Unfortunately, for all of our policies, we cannot provide any vet fees or liability cover for any animal registered under the Dangerous Dogs Act 1991 and/or the Dogs (Muzzling) regulations (Northern Ireland) 1991 or any amendments; or (whether pedigree, cross breed, mixed breed or known or classed as the names listed) an Abruzzese Mastiff, African Crested Dog, African Wild Dog, Alangu Mastiff, American Bulldog, American Bully, American Bully XL, American Indian Dog, American Mancon, American Mastiff, American Pit Bull Terrier, American Rottweiler, American Staffordshire Bull Terrier, American Staffordshire Terrier, Argentine Dogo, Argentinian Mastiff, Australian Dingo, Bandogge, Bandogge Mastiff, Blue Bull Terrier, Boerboel, Bole, Brazilian Mastiff, Bully, Bully Kutta, Canadian Inuit Dog, Canary Dog, Canary Mastiff, Cane Corso, Cão de Fila de São Miguel, Cão Fila, Chinese Shar Pei, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, East Siberian Laika, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Inuit Dog American, Irish Staffordshire, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Irish Wolfhound, Italian Mastiff, Japanese Mastiff, Japanese Tosa, Johnson American Bulldog, Korean Jindo, Korean Mastiff, Laika, Libyan Desert Dog, Neapolitan Mastiff, Northern Inuit Dog, Pakistani Bull Dog, Perro de Presa Canario, Pit Bull Mastiff, Pit Bull Terrier, Pocket Bully, Presa Canario, Racing Greyhound, Sarloos Wolfhound, Shar Pei, South African Boerboel, South African Mastiff, Tamaskan Dog, Tibetan Mastiff, Tosa, Tosa Inu, Utonagan Dog, Wolf Hybrid and Wolfdog.
FAQs
Does liability cover hitting a dog? ›
Generally, if you have comprehensive coverage, your insurance will pay for any damage to your vehicle. Depending on the circ*mstances of the accident, your liability coverage may cover the dog's vet bills and other expenses if you're found responsible for them.
How does dog liability insurance work? ›In addition to compensating victims for medical bills or the cost to repair or replace their property, “dangerous dog” insurance protects you if an injured party decides to sue you. Dog bites are a common reason behind insurance claims so without it, you could be on the hook for thousands of dollars in damages.
Do I need third party insurance for my dog? ›If you're a dog owner, third party dog insurance is recommended for protection if your dog is involved in an incident that causes injury to another person, a dog, or damage to someone else's belongings or property, such as; Your dog runs loose and causes someone to fall and hurt themself.
What does a third party liability policy provide coverage for? ›Third-party insurance is a form of liability insurance that covers you when someone makes a claim against you for damages. A common example of this is auto insurance, which will pay another driver who is injured in an accident that you have caused.
Can you sue someone if you hit their dog? ›If someone has injured your dog or cat, you may be able to file a civil lawsuit and get compensation. It's bad enough to watch your pet suffer or die.
What happens if a dog is hit by a car? ›Call your primary care veterinarian or, if it's out of hours or you're away from home, contact your nearest 24/7 animal emergency hospital. While most emergency veterinary clinics are available for walk-ins it is always better to call ahead to let them know what has happened and that you're on your way.
What is canine liability exclusion? ›A canine liability exclusion is a homeowners policy exclusion that precludes personal liability and medical payment losses for canines described in the endorsem*nt schedule that are owned by or in the care, custody, or control of an insured.
Does dog insurance cover everything? ›Pet insurance covers medicine, surgery, hospitalization and other expenses if your pet is sick or hurt. Most pet insurance plans pay to treat cancer, diabetes and other common illnesses, but coverage varies for things like dental care and hereditary conditions.
Can you get pet liability insurance? ›You can choose to insure your dog for Third Party Liability on all our levels of cover. This protects you if your dog is involved in an incident and for example, they are involved in a traffic accident or they injure a member of the public.
Why use third party insurance? ›Benefits of Third Party Car Insurance Policies are:
Third party car insurance policy covers the insured person's legal liability in case of death or disability to any third party, and any loss or damage to a third party property. The legal and financial burden is taken care of in such a scenario.
Do indoor dogs need pet insurance? ›
Yes, pet insurance covers your indoor pet for accidents. While you might not like to dwell upon the bad things that could happen to your furry friend, and hope that being at home will keep them safe, accidents can happen. What if an intrepid dog consumes something toxic left too close to the edge of the kitchen table?
Is it OK to not have pet insurance? ›But without insurance coverage, the cost to treat unexpected pet emergencies can present a financial burden for the majority of pet parents — in fact, six out of 10 Americans have less than $1,000 in savings to spend in an emergency. In the worst cases, a pet medical emergency can lead to long-term expenses .
What are considered third party liabilities? ›Third Party Liability (TPL) refers to the legal obligation of third parties (for example, certain individuals, entities, insurers, or programs) to pay part or all of the expenditures for medical assistance furnished under a Medicaid state plan.
Why is it called third-party liability? ›The term third-party liability can also refer to an agreement between two or more parties in which one party agrees to indemnify the other in the event of liability for damages or losses caused to a third party. This type of agreement is commonly used by businesses to protect themselves from potential liability.
What are the third party liabilities? ›Third Party Liability means insurance, or section of insurance, that protects the first party (You - the policyholder) from legal liability to a third party (The other person / property involved– i.e. the other car involved in a road traffic accident).
Will liability insurance cover you for acts of your dog like biting someone? ›Also known as an umbrella liability policy, it protects you against personal liabilities—such as dog bites—that could impact a substantial portion of your assets. The amount of umbrella liability coverage usually ranges from $1 million to $10 million, and covers broad types of liability.
Is a dog an asset or liability? ›There may be situations where an animal is considered an asset, such as a show dog that is entered into competition and can win money for the owner, or an animal that is used for breeding offspring to be sold. Outside of these commercial interests, a pet is considered a liability because it costs money to maintain.
Does State Farm cover hitting a dog? ›Comprehensive insurance covers a vehicle that's stolen or damaged by such things as fire, windstorm, hail, flood, theft, vandalism, falling objects, and/or hitting an animal.