Thread: Working/ hunting dog insurance FMG

Originally Posted by Chelsea

Not being your typical working dog breed I wonder if they will cover her as a working dog. She has kelpie in there but I have had people say she looks staffy. She was dumped as a puppy and vets told us kelpie, lab, jack russell.

So mongrel then

Does the vet know where the pup came from or is it an educated guess? If it’s a guess then there’s really no way of knowing what has gone into the dog. Part of the reason for having FMG type insurance is the “fair market value” cover for the loss of the dog. Obviously the dog is going to be worth a lot more to you than it would on the open market, where in all likelihood it would be pretty much worthless. I say this because dogs of mixed breed like this are usually free or traded for a few beers.

Personally I wouldn’t bother insuring a useful mutt. No harm going through the process to establish what the premiums are but at the end of the day you’d have to be sure you were going to see a reasonable benefit for the value of the dog should it be a total loss.