Top 10 dog breeds that need pet insurance

The American Veterinary Medical Association (AVMA) has warned pet owners that regardless of size, gender, or age, “any dog ​​can bite,” but added that in most cases, such incidents can be prevented.

“Even the sweetest, sweetest, sweetest pet can bite when provoked,” the organization explained in a dog bite prevention manual on its website. “Remember that it is not the type of dog that determines whether it will bite, but the history of the dog and its behavior.”

read more: Revealed – the top 15 insurance providers in the US

Why do dogs bite?

There are several reasons why canines bite, according to the AVMA, but usually they are doing something.

“If a dog finds itself in a dangerous situation, it may bite to protect itself or its territory,” said the organization. “Dogs can bite out of fear or surprise. They may bite because they feel threatened. They may bite to protect something precious to them, such as their puppies, their food, or a toy.

Some dogs also become irritable when they are sick or injured as they will want to be left alone. But even if they are healthy or playing, there is a risk that they can bite.

“Dogs can also bite and bite during play,” the agency added. “While playful jumping can be fun for a dog, it can be dangerous for humans. It is best to avoid fighting with your dog or fighting. This type of activity can make your dog very excited, which can lead to biting or biting. “

What is the average cost of dog injury?

These incidents highlight the importance of having the right type of coverage for many dog ​​owners in the country.

AVMA data shows that pet insurance companies paid $881 million in claims related to dog bites and other dog-related injuries in 2021, the average cost per claim was about $49,025.

Among the insurers with the highest payouts for dogs over the past few years is State Farm, which has paid out more than $1.1 billion between 2012 and 2021.

Meanwhile, the top 10 states with the highest number of dog bite incidents last year in alphabetical order are Arizona, California, Florida, Illinois, Michigan, New Jersey, New York, Ohio, Pennsylvania, and Texas.

read more: Dog breeds with the cheapest insurance

What types of insurance should dog owners take out?

Pet insurance, including dog insurance, usually offers three types of coverage, mostly health-related. These are:

  • Accident and disease: The most common type of coverage, this type of policy covers injuries caused by accidents – including broken bones, torn ligaments, bite wounds, eye injuries, and poisoning – and diseases – such as skin diseases, cancer, Arthritis, tuberculosis. , ear infections, diarrhea, and parasites.
  • Accident Only: Some insurers offer this type of plan, which covers anything related to accidental injury. These types of policies usually cost less than accident and disease plans, and are compatible with pre-existing pets.
  • Benefits: This plan pays for basic health care, including annual physical exams, spays or neuters, blood panels, heartworm testing and treatment, stool tests, urinalysis, routine vaccinations, dental cleanings, and flea and tick treatments. tick.

However, experts advise canine owners to take out other protection, which covers injuries and damage their pets cause to others. This type of policy is called pet liability insurance.

How does pet liability insurance work?

Most homeowner’s and renter’s insurance policies cover interest up to a limit. This includes claims for pet-related injuries and damages. Besides dog bites, some plans cover property damage, including when an animal, for example, chews up someone’s bed or urinates on someone’s laptop.

Dog owners can also purchase dog coverage, especially if their pets are classified as “aggressive” or if they feel that their insurance coverage is insufficient.

Read more: Dog bites are a growing liability for businesses and pet owners

Top 10 dog breeds that need pet insurance

In a recent blog, Pawlicy Advisor listed the top 10 dog breeds that may need help due to various behavioral and health issues.

To find this list, the pet insurance market took into account several parameters, including data from the company’s website Pet Comments, the temperament score – which measures how well a dog behaves in different environments – from the American Temperament Test Society (ATTS). ), and the number of home insurance companies (among 42 providers) for the Forbes Advisor brand. These metrics show the risk of each species when it comes to hitting or biting others. Pawlicy Advisor has also introduced the various diseases that these species face.

Here are the top 10 dog breeds that need coverage, according to the pet insurance market. The list is arranged alphabetically:

1. Akita

Bite force: 350 to 400 pounds per inch (PSI)

Number of Bite Force: 11th

Average temperature: 77.8%

Home insurance coverage percentage: 79%

Common health problems: Sebaceous adenitis and hip dysplasia

2. Alaskan Malamutes

Bite force: 235 PSI*

Number of Bite Force: Not selected

Average temperature: 84.8%

Home insurance coverage percentage: 26%

Health effects: Bloat (abdominal dilatation-volvulus)

3. American Staffordshire Terrier (AmStaff)

Bite force: 328 PSI**

Number of Bite Force: Not selected

Average temperature: 85.5%

Percentage of home insurance policies against color: 100% (listed under bulls)

Many health problems: Elbow dysplasia, hypothyroidism, progressive retinal atrophy, and cerebellar ataxia.

4. Bulldogs

Bite force: 305 PSI**

Number of Bite Force: Not selected

Average temperature: 86.9%

Home insurance coverage percentage: 19%

Common diseases: Diseases related to the nose, eyes, teeth, and respiratory system

5. Cane Corso

Bite force: 700 PSI

Strength growth: 3rd

Maximum temperature: 88.1%

Home insurance coverage percentage: 19%

Common health problems: Seizures, abdominal dilatation-volvulus, and eyelid problems

6. Chow Chow

Bite force: 220 PSI

Number of Bite Force: 22nd

Average temperature: 71.7%

Home insurance coverage percentage: 95%

Many health problems: Hypothyroidism, eye and ear infections, obesity, and depression

7. Doberman Pinscher

Bite force: 245 PSI

Number of Bite Force: 16th

Average temperature: 79.5%

Home insurance coverage percentage: 100%

Many health problems: Some types of cancer, dilated cardiomyopathy (DCM), inflammation of the liver, wobbler syndrome, and bloat.

8. German Shepherd

Bite force: 238 PSI

Number of Bite Force: 17th

Average temperature: 85.3%

Home insurance coverage percentage: 45%

Health effects: Pelvic and abdominal problems

9. Labrador retriever

Bite force: 230 PSI

Number of Bite Force: 20th

Average temperature: 92.2%

Percentage of home insurance policies that limit color: None

Common health problems: Elbow and hip dysplasia, as well as knee problems and eye problems

10. Rottweiler

Bite force: 328 PSI

Number of Bite Force: 12th

Maximum temperature: 84.7%

Home insurance coverage percentage: 100%

Many health problems: Heart disease, including aortic stenosis

* Information from a Dog Breeder

** Information from

Read more: 25 most dangerous dog breeds

How can owners stop their dogs from biting others?

Although the AVMA states that dogs – regardless of breed, age, or gender – can bite others when they are angry, there are several steps that canine owners can take to prevent such incidents. This includes:

  • Socializing with a dog: This can help dogs become more comfortable in different situations. According to the AVMA, the more a dog is introduced to people and other animals while still a puppy, the more comfortable it will be as an adult.
  • Being a responsible pet owner: This includes carefully choosing the right dog for their family, properly training and exercising it regularly, and spaying or neutering the pet.
  • Proper Education: Educating themselves and their children about how, or whether, to approach a dog can reduce the risk of being attacked or bitten.
  • Avoidance of dangerous situations: It is also important to know how to avoid an increase in dangerous situations and to understand when they should interact with dogs. This includes when the canine is not with its owner, or is crying, crying, sleeping, eating, playing with a toy, sick, or injured.
  • Paying attention to body language: Like people, dogs rely on body language, posture, and voice to express themselves and communicate. Although it is impossible to read a dog’s language, it can help people know if they are stressed, scared, or threatened.