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OFF BEAT: Will that cute puppy grow up insurable?


Questions that prospective dog owners might ask themselves when considering which breed to choose include: Will it need to be walked often? How much does it eat? Will it fit in my handbag?

But how many consider insurance costs when selecting a canine companion?

Luckily, U.K.-based members-only insurance advisory group Bought By Many has provided a handy checklist of the major factors that affect insurance costs for dogs and a ranking of the most expensive and the cheapest dogs to insure.

According to the company's website, U.K. dog owners pay an average of £28 ($42) per month to insure their pet.

But the cost of dog insurance can vary greatly, according to Bought By Many.

The most expensive breed to insure, according to the company's website, is the Dogue de Bordeaux, also known as the Bordeaux Mastiff or French Mastiff, a breed immortalized in the 1989 comedy drama “Turner & Hooch” starring Tom Hanks and Beasley the dog as a man-canine detective partnership.

Dogue de Bordeaux dogs are expensive to insure in part because of their size, according to Bought By Many.

The second most costly breed to insure is the Great Dane, whose immense size means that many do not live much beyond 10 years of age.

By contrast, the cheapest breed of dog to insure is the Jack Russell terrier, known for a robust constitution, according to Bought By Many.

A blog posting on the company's site outlines the five major factors that affect the cost of dog insurance:

• The type of policy bought — for example whether it covers accident only or offers per condition coverage

• Where you live

• The age of the dog

• The breed of dog

• The specific policy and company chosen