Their policies unfortunately do not always reflect the science. However, insurance providers do not take this into account, and a blanket policy of purebred dogs being more expensive is standard. Furthermore, careful breeding, genetic testing and breeding schemes are helping to reduce the incidence of certain diseases, such as the Kennel Club’s hip dysplasia scheme. In that article, we discovered that some genetic diseases are actually less common in purebred dogs compared to mixed breeds, while others are equally common in pure or mixed breeds. Some conditions are so severe that they require intense management or surgery at a young age. Some common diseases include heart and brain issues in Cavalier King Charles spaniels, hip dysplasia and arthritis in German shepherds, and breathing issues in pugs and Frenchies. This is why insurance companies raise the premiums for purebred dogs. Many are quite severe, resulting in high vet bills and thus high payouts for insurance. Over time in relatively small populations, the practice results in genetic diseases being very common in certain breeds. This is because purebred dogs are more likely to be inbred resulting in uncommon diseases being more likely to be passed onto their puppies. We’ve written a blog on this before, so check it out for more detail.Ī number of conditions are more prevalent in purebred dogs. The main reason why purebred dogs tend to be more expensive to insure than mixed breeds is the apparent increased incidence of health conditions in purebred dogs. However, never mislead insurance providers as it could lead to increased premiums or even the insurance being voided. This may mean that your dog could be unexpectedly classed as a more expensive purebred. Others differentiate between crossbred (a mix of two distinct breeds) and mixed breeds (a mix of more than two breeds). This means that there can never be a Kennel Club pedigree Puggle, but an insurance provider would class a Puggle with a Puggle mum and dad as a ‘purebred Puggle’. For example, some recognise breeds that the Kennel Club doesn’t, such as Puggles (a mix of a Pug and a Beagle). However, insurance companies often have different definitions. Again, we’ve discussed some issues with that previously, but those are the common definitions. A Pedigree dog has purebred parents of proven lineage with a registered club, commonly the UK Kennel Club in this country. While a mixed breed has different breed parents (a Labrador mum with a Poodle dad). In short, a purebred dog has parents both of the same breed (a Labrador mum and a Labrador girl for example). The differences between pedigree, purebred and mixed dogs have been explained in previous articles. Pedigree or Purebred or Mixed? What is my dog? Pedigree or Purebred or Mixed? What is my dog?.
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