Travelers insurance what type of dog

Pet travel insurance is exactly what it sounds like: it covers expenses relating to accidents or issues when pets are traveling. There are only a couple of pet travel insurance companies on the market right now, one of which being Pet Travel Insurance. Because it is generally safer to travel with pets when using professional services, at the moment they only work with pets who are traveling under the oversight of registered members of the Independent Pet and Animal Transportation Association IPATA.

They will cover vet bills and travel costs up to a certain amount based on how much your pet is insured for. These benefits typically only extend for the duration of time between when your pet is dropped off at one airport and picked up at its destination.

If you're looking for ongoing insurance, you might prefer to check out pet health insurance. Pet health insurance is an ongoing type of insurance that some pet owners choose to have to make sure their pets are well covered in case of injury or disease. Some pet health insurance companies will cover pets traveling internationally and domestically as well.

But among insurers with banned breed lists, the lists can be found within filings made by home insurance companies to state insurance departments. Pit bulls of all types top the list. In a plea to the National Association of Insurance Commissioners NAIC , they raise an even bigger question: If insurers discriminate against the dog, do they also discriminate against the owner?

The groups contend that:. The number of dog bite claims fluctuates each year, with a recent high in of 18, claims, according to the Insurance Information Institute. But the dog-bite trend worries insurers. Sophia Buchan of Aberdeen Township, New Jersey, was walking with her young children and black Labrador retriever when a pit bull emerged from an unfenced yard and lunged at her son.

Her dog intervened and nearly lost a leg. The owner called the dog off but never came out of his house. Despite her experience she has no animosity toward pit bulls. States, cities and even local municipalities have their own lists that are often different and even contradictory to one another. BSL began in the s in response to several fatal dog attacks, according to PetPlace, an information website.

These laws equate the qualities of a dangerous dog with certain breeds, and ban or restrict them based on group, not on any offense the individual dog committed. Dog advocates challenge the evidence behind BSL, which includes a now-aging study by the Centers for Disease Control CDC that examined dog bites from through They say the study was flawed by the random way in which data was collected, much of it from newspaper reports.

Insurers have conducted their own studies that show which breeds do the most damage, and justifiably exclude certain breeds, says Loretta Worters of the Insurance Information Institute, which compiles information on dog bites.

Banned dog breed lists are based on insurance claims, she says. Hamilton, New Jersey resident Joe Mihalyi, whose son owns a pit bull, visited several dog shelters looking for a pet, and came away amazed at what he saw.

And many of them, at least ,, are pit bulls. Best Friends Animal Society provides community-level data on how well animal shelters are doing at saving cats and dogs. Some insurers ban certain dog breeds, while others provide wiggle room for pets already in the home, and still others will simply ignore the issue for rich clients who bring good business, according to the dog advocate groups. Some states do not allow insurers to ban breeds. Passing the Canine Good Citizen test from the American Kennel Club could also help your effort to keep you and your dog properly insured.

Looking for pet insurance for your dog? He has written multiple cover stories, hard-hitting features and executive profiles for major media outlets, and is the author of The Woman Who Rode the Wind, a novel about early flight. But you may be asking: What dogs will insurance not cover? We contacted some of the top insurance providers in the United States to find out which breeds, if any, are on their blacklists. First of all, the laws governing dog bite liability vary by state.

This means your policy will be affected by the state you live in. Similarly, liability coverage itself will vary by state. Instead, they have a number of entities often referred to as underwriters working with them who determine your policy based on where you live and your specific situation. All of the information in this article was taken directly from conversations with customer service representatives and insurance agents.

We will now discuss the top companies that have breed restrictions including what dogs insurance will not cover:. An agent for American Family Insurance said that you are allowed to own any dog.

According to an agent from Erie Insurance , Erie will not provide homeowners insurance to people who own the following breeds:. However, Nationwide will not cover the following breeds:. Travelers refuses to offer homeowners insurance to anyone who owns the following breeds:. Liberty Mutual may or may not have breed restrictions depending on the location. If your dog were to hurt someone while insured by Liberty Mutual, then Liberty Mutual may choose not to renew your policy.

Progressive has a relationship with eight different companies that write homeowners insurance policies. After speaking with them, Progressive has their own breed restrictions, which they will not disclose. In addition, some of the companies they work with may also impose their own breed restrictions whereas others may not.

Two people have commented on this blog that their Pit Bull and Belgian Malinois were both denied based on their breed. Like many other insurance providers, if your dog were to hurt someone, your liability limit may decrease or your dog might be dropped from coverage altogether regardless of the breed.

Allstate does not have any breed restrictions. However, they will not provide coverage to owners of dogs that have a history of aggressive behavior, no matter the breed. Amica does not exactly have a blacklist, but the company is still wary of certain breeds like German Shepherds, Rottweilers, and Pit Bulls.

Instead of immediately saying no to a certain breed, Amica may choose to send out an inspector who will visit you and your dog to determine if the dog is a liability or not.

Many insurance companies will immediately refuse to cover homeowners with dogs that have a history of aggression. However, Amica is willing to consider these dogs if they have gone through behavior modification and again, if the inspectors feel the dogs are safe. Farmers Insurance does not have any breed restrictions; however, if your dog has a bite history then they will refuse to write a policy for you. If the dog has any incident, whether it is a bite or knocking someone over and hurting them, then the dog will be removed from your policy.

State Farm is the one insurance company that actually does have information about breed restrictions on its website. For the following companies, they work with different partners to get quotes, so depending on the location and their partners, they may have breed restrictions, but not always:.