Pet Insurance - Crossbreed or breed

emeraldbugle

I'm looking for insurance and getting confused over which 'breed' I should select.

I have a Newfoundland Cross.

Do I select crossbreed or Newfoundland? It makes a huge difference in price.

Thanks

gettingready

of course a cross - as your dog is a cross....

and make sure the insurance offers for life and not per condition cover - lots of people get caught on the "per conditions" covers

emeraldbugle

Thanks gettingready, I am after a lifetime policy.

I am just concerned that they might not pay out, as he looks like a Newfoundland!

krlyr

Crossbreed. My Rottie x looks very Rottie like (just a bit slimmer with a longer snout) and I've had no problem with her being down as a crossbreed (and I've made claims). Just make sure he's registered on all his paperwork as a crossbreed because I've heard of insurance companies sometimes requesting photos of the dog in claims (I imagine it's not that common, but possible). Do you have any kind of receipt or adoption certificate that states he's a cross too? Worth keeping that to hand.

If in doubt, speak to the insurance company about it and have them make a note now. I'm with AXA and have to say their customer service has been fab whenever I've discussed a query or phoned for help/advice.

pawsies

Have you got proof he is a cross? You could email the evidence over.

Otherwise I would put crossbreed as I've never sent them a picture of my dog so I don't know how they'd argue anyway?

emeraldbugle

I only have the original advert where he is stated as a cross.

Do I need to make sure the Vet has him listed as a cross?

krlyr

Yes, because many insurers will require a medical history from the vet. If the paperwork arrives with the breed listed as Newfoundland you may find your claim queried and your policy perhaps voided (meaning the claim a) may not be paid and b) the condition listed as pre-existing once you've been charged the higher premiums for a Newfoundland)
To be honest, I have no solid proof that Kiki is a cross as she was a private rehome, but it's never been queried. She's always been down on the vet's systm as a cross though, and on her microchip info, and I've always insured her as a cross.

gettingready

I made a mistake of registering Zara as a GS although with no papers really she should be registered as cross which she probably is.. just looks like a GS my hairy mutt.. and the premiums were high from the start

krlyr

gettingready wrote: »

I made a mistake of registering Zara as a GS although with no papers really she should be registered as cross which she probably is.. just looks like a GS my hairy mutt.. and the premiums were high from the start

Can I ask why you think she is "probably" a cross? Looks full GSD to me from her photos.

Fire_Fox

Should insure as a crossbreed but check with the insurer now, they can put a note on the system about what you have said. Presumably he is down as a crossbreed at the vets too? The records must match.

gettingready

krlyr wrote: »

Can I ask why you think she is "probably" a cross? Looks full GSD to me from her photos.

Some people do not recognise a dog with no pedigree papers as a proper breed