Large Dog Breeds Exceptions: Many companies offer an exclusion for German Shepherds, Great Danes, Rottweilers and Staffordshire Terriers because of their history with hip dysplasia.

Bulldog Issues: Bulldogs have many health problems, thanks to their flat facial structures and breathing issues. They tend to react negatively to warm weather and can have problems sleeping at night. Many bulldogs also suffer from hip dysplasia as they age.

Cocker Spaniel Waiting Period: Many pet insurance companies will not ensure an English Cocker Spaniel until the dog is two years old. This is because this breed of dog has been known to develop Familial Nephropathy, a genetic condition that is normally fatal. The disease tends to make an appearance in the first two years of a Cocker Spaniel’s life, which is why pet insurance owners require the two year waiting period.

Liability Insurance Requirements: According to the Lester Kalmanson Agency, certain dog breeds must have liability insurance before some pet health insurance companies will consider coverage. This list typically includes:

• Akitas
• Boxers
• Chow chows
• Doberman pinschers
• Great Danes
• German shepherds
• Pit bulls
• Siberian huskies
• Presa Canario bulldogs
• Alaska malamutes