Thread: Working/ hunting dog insurance FMG

Originally Posted by Flyblown

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.

Yep a mutt. Can definitely see the kelpie in her quiet strongly. vets took her for fixing and I told them the situation with her being dumped at a rest stop in the middle of no where and asked them to “identify” her breeding. When I picked her up kelpie x lab x jack Russell was their answer.
I’m more thinking insurance simply because should she ever have an accident regardless of her working status id want to be able to cover the vet costs. Same as why I have my cars insured.
As for the replacement side of things, while she’s not the common type of working dog she is good at her job and I have put a lot of work into her. If she becomes unusable or dies on the job to get a dog at her level of skill certainly won’t be cheap or free. Again just like my older car. Might not be worth much but should I write it off I’m not going to be able to replace it cheap or free, I have it insured at a fixed rate more than market value.