Late last week I read a news story about a dog who was lost for more than six months – and then found on the streets of Salinas, California, more than 1,200 miles from his home in Boulder, Colorado. He never would have been identified and returned to his owner if not for his identification microchip. It’s the kind of story that warms the heart of every shelter worker and volunteer, and highlights the value of the tiny implanted chips.
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But one fact in the story was alarming: When the shelter staff scanned the seven-year-old dog, found the microchip, and looked up the chip’s registration information, they found several phone numbers for the dog’s owner – none of which were working numbers for that person. Folks, you have to make sure that any phone number you use for registering your dog’s microchip is current!
Fortunately, the shelter then sent a certified letter to the address they found on file for the owner. Nine days later, the owner received and opened the letter, and joyfully called the shelter to identify and claim her dog. It was a close call, because the shelter’s policy was to wait 10 days after sending such a letter before making the dog available for adoption. A day longer, and the dog could have been living in someone else’s home, instead of flying back to Colorado on a flight donated by Frontier Airlines – hey, kudos to you, Frontier!
If you’re certain that your phone number has not changed since you registered your dog’s microchip, good on you! If, however, you are not sure how or where your dog’s microchip is registered, or can’t remember whether you have changed your number since you adopted your dog (or had a microchip implanted in your dog), take the following steps:
If you know where your dog was originally implanted with a microchip (shelter or vet clinic), contact them and ask about the registry for the chips they use. Follow up with the registry.
Or, call your vet and/or local shelter, and ask if they have a scanner you can use to scan your dog’s microchip. My veterinarian has a scanner in the lobby, enabling clients to scan their own dogs and confirm the registration number. Ask the vet or shelter staff for help in identifying the maker of the chip, and tracking down its registration. Then follow up with the registry.
For more information about microchip registration, and the best way to make sure your dog’s chip can lead as directly as possible to you, see the following article from WDJ’s November 2009 issue: https://www.whole-dog-journal.com/health/canine-health-news-and-current-events-november-2009/
So, for years, I’ve been hearing about the “FURminator,” some sort of super-powered dog brush. I just couldn’t imagine there was all that much to it – and it was wildly expensive. FIFTY dollars for a dog brush? Or, as the company’s literature refers to it, a “de-Shedding Tool,” complete with that completely random capitalization. This year, though, I finally got desperate enough to shell out the money, in hopes of getting a handle on the copious amounts of hair that my darling dog Otto is shedding.
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Shock and awe. I *love* the FURminator. It’s an amazing tool. It really does perform as advertised; it pulls all the loose hair off the dog — or cat! It worked great on my old cat Shadow’s super-fine coat, too!
A week ago, I spent a night at a friend’s house. My friend is the owner of Carly, a now-elderly dog who was once a frequent model for WDJ. Carly’s coat has gotten thicker and thicker over the years, and her shedding is now practically year-round. I mentioned the FURminator to Carly’s owner. “I know it’s expensive; buy one anyway. You’ll love it.”
I got the report this weekend. Maureen said, “I can’t believe how much hair I got off of Carly in the first session with the FURminator. I just keep thinking how much of my time and space in my vacuum bags this is going to save me.”
Have you tried the FURminator? Did it live up to your expectations?
So, I’m fostering a cat and her five kittens. Poor Juno (I just named her, a teenaged mom) was abandoned by some former neighbors, who moved away about two months ago. I hadn’t known they didn’t take her with them when they moved out of the apartment building that’s two doors down from my home; I hadn’t seen her since they moved.
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But Otto found her — and her five new kittens – in the ivy that grows on the fence between our house and the empty (foreclosed) house next door. Oh, the economy. Otto’s favorite job is chasing stray (feral or wandering) cats out of our yard, and since the house next door was foreclosed, his duties have expanded to include periodic sweeps of that yard, too.
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I didn’t think of this for fun; the vacuum created by the lack of a present homeowner led to nightly cat fights and cat sex scenes that had Otto waking us up several times a night – when the cat noises themselves didn’t wake us already. Otto loves the job, racing into the yard with his big bear-like roar, sending cats flying over fences at top speed. He comes back an inch taller every time.
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He doesn’t chase our cat, Shadow, an ancient, bony, whiny cat who stays in our house and yard. In fact, while he doesn’t seem to like her one bit – I never see him regard her with anything like affection — he tolerates her daily intrusions in his life.
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She sometimes sleeps in his crate on the back porch, she sometimes eats his food, she walks over when he’s napping on the deck and lies down right next to his tummy . . . In each case, he acts like she has cooties, and carefully extracts himself. But he never, never chases or snaps at her.
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Otto’s self-control with Shadow is one of the reasons I thought (correctly) that it would turn out just fine if I got some chickens, even though Otto came from the shelter three years ago with a chicken “murder” on his rap sheet. I brought home three hens, and five months later I still have three hens. He licks his lips a lot when they are close to him, but they can walk underneath him without harm, even if the tension does make him pant a little.
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So now his self-control abilities are being tested with kittens, and I’m happy to report that this dog is a prince. I have the teenaged mom and the five kittens in a big crate on the back porch of our new house/office (didn’t want to stress Shadow with all this) and Otto visits every day. I keep him away from the mom, who is not quite ready to accept the dog who so recently chased her. But when she takes a stroll around the yard, I let him visit the babies. He’s fascinated with the now-four-week-old kittens, and they are fascinated with him: his tail, his fur, his big nose. I just love this dog.
The primary function of the dog’s hair is as a protective and insulating coating.
But if the eyes are the gateway or the window to the soul, the skin and hair are both gateway and window to the embodiment of an animal’s inner health and well-being. Shiny hair, that is, a hair coat that exudes a healthy and lustrous sheen, is an indicator of overall health of the animal. In contrast, a dull coat that lacks luster is an indicator that the animal isn’t as healthy as she could be.
A dog’s coat color is determined by his genes. That said, a variety of environmental factors can somewhat alter the color of his hair. Specific nutrients may be involved in hair color. Cystine, methionine, arginine, tyrosine, and phenylalanine deficiencies are reported to induce hair discoloration. Protein malnutrition induces disturbances in hair growth and quality.
A 2004 study by the American Society for Nutritional Sciences reported that trace-element deficiencies or imbalances also affect hair quality. Suboptimal zinc levels, it said, induce graying of hair, and copper deficiency causes fading of brown- or black-pigmented hair. Other trace elements such as iron and iodine can also affect hair color, as well as vitamins A, B-2, and B-6, pantothenic, folic, and nicotinic acids, and biotin.
Too much exposure to sunlight can make the hair brittle and cause a black coat to redden or turn brown. After a dog has been clipped, the color of its hair is noticeably lighter, and scars often leave a mark of hair that remains white throughout the rest of the dog’s life.
In aged dogs, hair color tends to fade. As a dog ages, his hair turns gray, especially on the head, beginning with the muzzle.
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There were two points that Pat Miller, Whole Dog Journal’s Training Editor, made in her article, “Park It” (on page 6), that resonate so much that I have to repeat them. The first is that at least half the problems seen at dog parks stem from inappropriate human behavior.
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Bringing a baby or toddler (or even grade school-aged kids) into a dog park is the inappropriate human behavior I most deplore. When our kids were about 8 years old, a friend took my son, his twin boys, and their dog to the dog park – and then left them all there together while he drove someplace to get coffee. When he got back to the park, he was alarmed to see an ambulance in the dog park parking lot . . . and then horrified to see that the EMTs were gathered around one of his sons, while the other two boys stood by with frightened expressions. It turns out that the boys were playing (and probably completely absorbed in their own world) when one of them got flattened – knocked to the ground, hard – by a dog who was running by with a pack of big, boisterous dogs. Mike was okay, but he had the wind knocked out of him (and he has asthma anyway), so when it appeared that he couldn’t breathe, and the nearby dog owners learned that the boys were there without a parent, someone called 911.
I didn’t feel like I had to call my friend onto the carpet (and I’m sure his wife did an adequate job of that!). But I’ve thought about that incident many times. What if it had been my son who had been flattened?! What if one of the boys had been bitten – or mauled? I have to force my mind not to race down that highway of bad thoughts.
It’s one of the reasons that I no longer just cluck and shake my head when I see someone with a small child in a dog park. Clearly, they haven’t fully considered the bad things that can happen to even an older, sturdy, dog-savvy kid when a bunch of dogs are whipping around at top speed. “Please, oh please take the baby out of here,” I’ve begged some parents, probably with tears in my eyes. They most likely think I’m nuts – but I’ve seen it with my own eyes: a small child who gets knocked down and starts to scream is like a magnet for some dogs. It gives me shivers.
It’s not just kids, though, who are at risk in dog parks. Senior citizens, people using canes or walkers, old or rickety dogs, young puppies, and small dogs in a park with a lot of big dogs are also quite vulnerable. In the blink of an eye, they can be brutalized – by accident! – by a flying pack, or in the heat of the moment by an aroused or defensive dog.
Another one of Pat’s brilliant points: That dogs are not any different from humans in that it’s actually a rare individual who is willing to play and interact with every other individual they come into contact with. And yet many of us expect our dogs to do just that when they get to the dog park. Fascinating.
Check out Pat’s advice for structuring your dog’s experiences in such a way that he doesn’t have to defend himself – and can’t help but enjoy himself – at the park.
Pfizer has announced plans to discontinue manufacture and sale of its flea and tick control product, ProMeris. Orders will continue to be filled until September 20, 2011.
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ProMeris was introduced in the fall of 2007, and touted as the first topical product to use metaflumizone. Pfizer gained control of ProMeris when it acquired Wyeth/Fort Dodge Animal Health in 2009. Pfizer is also the maker of Revolution, used to control fleas and one species of ticks, along with heartworm, ear mites, and sarcoptic mange.
While no specific reasons were given, it’s likely that Pfizer’s decision was influenced by the March publication of a study in the journal Veterinary Dermatology that was done at North Carolina State University. The study concluded that ProMeris “has the potential of triggering a variant of PF” (pemphigus foliaceus, an autoimmune disorder of the skin that will be discussed in an upcoming article on nose and footpad disorders). Lesions begin at the site of application, sometimes months after the initial application, and may later spread to other areas of the body. Immunosuppressive drugs are sometimes required for treatment. While most dogs achieve complete remission, lesions may recur in a few cases even without the further application of ProMeris. Labrador Retrievers and other large-breed dogs appear to have an increased risk for this adverse reaction. It’s important for vets to be aware of these findings, to avoid misdiagnosis.
Amitraz, one of the active ingredients in ProMeris, is a monoamine oxidase inhibitor (MAOI). Other products that contain amitraz include Preventic collars and Mitaban. Products containing amitraz should never be used together.
Amitraz can be dangerous when combined with antidepressants, such as Prozac (fluoxetine), or with other MAOI inhibitors, such as Anipryl (l-deprenyl, selegiline). DL-Phenylalanine (DLPA), used to treat chronic pain in dogs, should also be avoided when using MAOIs, such as amitraz. Cats are at risk if they come into contact with topical products, and even owners who are taking MAOIs themselves may run into problems using these products on their dogs.
ProMeris had recently been approved for treatment of generalized demodicosis, also called demodectic mange or demodex (treatment is not needed for the localized form). Other treatments for generalized demodex include giving high doses of ivermectin (the active ingredient in Heartgard) daily or every other day for long periods, and weekly or biweekly dips with potentially toxic Mitaban. In comparison, ProMeris is far more convenient, requiring only topical application every two to four weeks, and many veterinarians are sorry to see it go for that reason. Owners of dogs who reacted badly to the drug, however, may be wondering why it’s not being pulled off the market immediately.
Purchasing veterinary medications such as heartworm preventatives online can offer significant cost savings, but how can you be sure that you’re buying the real thing and not counterfeit products from China, which can be impossible to tell apart?
I recently read about a dog who tested positive for heartworms despite being given monthly preventative medications. The reason may be that the heartworm preventative the owner purchased online was not what it claimed to be.
The Veterinary Information Network (VIN) looked into Nuheart, a generic form of ivermectin that claims to be comparable to Heartgard. It is sold over the counter in Australia, where no prescription is required. VIN reported that one online pet pharmacy marketing Nuheart in the U.S. lists a street address in Washington state that belongs to Mail Boxes Plus. That same address is linked to a number of other online pharmacies whose websites are registered to entities that share an address in the South Pacific Cook Islands. None of those companies responded to VIN’s attempts to contact them by phone or email.
This is just one example of a widespread problem with drugs being sold on the Internet that may be counterfeit, adulterated, or expired. Warnings abound regarding the dangers of buying medications online. The U.S. Food and Drug Administration (FDA) states that it “has found companies that sell unapproved pet drugs and counterfeit pet products, make fraudulent claims, dispense prescription drugs without requiring a prescription, and sell expired drugs.”
So how can you be sure that “what you see is what you get”? One solution is to look for the Veterinary-Verified Internet Pharmacy Practice Sites (Vet-VIPPS) seal of approval from the National Association of Boards of Pharmacy (NABP).
When Vet-VIPPS was first announced in 2009, it sounded like a great idea. Unfortunately, no veterinary pharmacies were approved at that time, but the situation has improved. A quick search yielded 11 verified online veterinary pharmacy sites. I was pleased to see four sites I’ve recommended on the list: 1-800-PetMeds, Drs. Foster & Smith, PetCareRx, and National Pet Pharmacy.
Note that these pharmacies will not offer to sell you prescription medications without a prescription. Administering medication without the help of a veterinarian is not a smart way to save money. Mistakes can range from giving the wrong dosage to using the wrong medication entirely, or giving dangerous combinations of drugs. Some inappropriate medications are only ineffective; others could be dangerous or even fatal.
The FDA has the following suggestions for protecting yourself when purchasing pet medications online, using the acronym AWARE:
-Ask your veterinarian if she knows anything about the site you plan to use.
-Watch for red flags, such as not requiring a prescription, not listing an address and phone number, or not having a pharmacist available to answer questions.
-Always check for site accreditation, such as from Vet-VIPPS.
-Report problems and suspicious online pharmacies. They suggest reporting any problems first to the manufacturer, and then to the FDA’s Center for Veterinary Medicine (see www.fda.gov/AnimalVeterinary/SafetyHealth or call 1-888-FDA-VETS).
-Educate yourself about online pharmacies.
Use common sense when purchasing medications online; if a deal seems too good, you’re likely not getting the real thing.
Another consideration when buying medications online is that the manufacturer’s warranty may be invalidated by an online purchase. Manufacturers of heartworm preventatives in particular guarantee products only when purchased from a veterinarian; not even a VIPPS-accredited pharmacy will do.
Fortunately, some online pharmacies offer their own guarantees. For example, 1-800-PetMeds claims that its guarantee is even better than the manufacturer’s: it will cover the cost of treatment if your dog becomes infected while taking heartworm product purchased from its site as long as the drug has been used for nine consecutive months prior to diagnosis (see 1800petmeds.com/guarantee.jsp). Drs. Foster & Smith also offers its own guarantee for all heartworm preventatives it sells (drsfostersmith.com/general.cfm?gid=569).
Many pets need to take drugs that have been compounded, where the drug’s dosage, form, or flavor are manipulated to make them work for animals. Compounding pharmacies produce drugs in dosages suitable for small dogs, in flavors that pets are willing to eagerly eat, and in forms such as transdermal, where the drug is applied to the skin rather than given orally. Compounding pharmacies can also be a source for drugs that have been discontinued. Because of their specialized nature, compounded drugs don’t go through an FDA drug-approval process, and so are not formally tested for safety or efficacy.
Compounded drugs can be life-savers for some pets, but they can be ineffective if poor quality ingredients are used and deadly when mistakes are made. Twenty-one polo horses died in 2009 after being injected with a vitamin compound that included a toxic amount of selenium due to an error by the compounding pharmacy that made it.
The NABP doesn’t list any compounding pharmacies, although Choice Compounding Pharmacy (choicecompoundingpharmacy.com) was recently granted approval. In addition, there’s a separate organization, the Pharmacy Compounding Accreditation Board (PCAB), that focuses on this area of specialization. The PCAB was created in 2004 in an attempt by the pharmacy industry to police itself and raise the quality of compounded drugs. Go to its website at pcab.info to search for accredited compounding pharmacies by state.
Not every pharmacy without approval from VIPPS or PCAB sells counterfeit or dangerous products. The approval process is costly and takes time; not all pharmacies can afford it. In the absence of reliable information, however, these accreditations offer peace of mind when buying veterinary medications for your dog from someone other than your veterinarian.
– Mary Straus
For more information:
-To find a Vet-VIPPS online pharmacy, see: nabp.net/programs/accreditation/vet-vipps/
A new 20-year retrospective study from the University of Georgia examined causes of death in dogs between 1984 and 2004. Researchers looked at records of 74,566 dogs from the Veterinary Medical Database, which includes data from 27 veterinary teaching hospitals. These results may be biased toward more severe, complicated, or unusual causes than the general dog population, but are fascinating nonetheless.
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The study grouped deaths by organ system and by disease category (“pathophysiological process”), and analyzed results based on age, breed, and average breed size. Eighty-two breeds with at least 100 representatives were included in breed-based analyses; mixed-breed dogs were considered as one group.
Only conditions that led to death were considered; if a dog had multiple conditions, only one was deemed the cause of death.
Disease Categories
The study found that cancer was by far the most common disease category cause of death in adult dogs; cancer was the leading cause of death in all but 11 breeds! Almost a third of all adult dogs were found to have died of cancer. Cancer was designated the cause of death almost three times as often as the next most common category of deaths (trauma).
Interestingly, the frequency of cancer deaths begins to taper after age 10. Cancer occurred less frequently in small breeds, with the exception of the Boston Terrier and Cairn Terrier (30 and 32 percent respectively of deaths in those breeds were from cancer).
The Miniature Pinscher had the lowest rate of cancer at 3.6 percent. Other breeds with low percentages of death from cancer include Miniature Dachshund (6.0), Chihuahua (7.5), Pekingese (7.9), Pomeranian (7.9), Dachshund (8.9), and Maltese (9.2).
The most common causes of death for puppies (dogs less than one year of age) by disease category are very different than for adult dogs. Puppies were overwhelmingly most likely to die of infection, trauma, or congenital disease. About 60 percent of all puppies died from something in these three disease categories.
Organ Systems
When looking at deaths classified by organ system, the gastrointestinal and musculoskeletal systems were most commonly involved in the deaths of puppies.
In adult dogs, no single organ system was responsible for a dramatic majority of deaths; seven different organ systems had similar results, ranging from about 8 to 12 percent of adult dog deaths. The leaders (if we can call them that) were the nervous system (neurologic), musculoskeletal, and gastrointestinal systems, followed by the urogenital, hematopoietic, cardiovascular, and respiratory systems.
Older dogs are increasingly likely to die from something involving the cardiovascular system, as well as endocrine, neurologic, and urogenital systems. The frequency of gastrointestinal-related deaths remained fairly constant throughout adulthood, while hematopoietic and musculoskeletal deaths declined with age.
Small-breed dogs were more likely to die from neurologic, endocrine, and urogenital causes. The larger the dog, the more likely they were to die of musculoskeletal and gastrointestinal causes.
Some Surprises
Some of the breed differences found were surprising. A higher incidence of cancer in Bernese Mountain Dogs, Golden Retrievers, Scottish Terriers, and Boxers is well-known, but the 47 percent death rate from cancer among Bouvier de Flandres was unexpected.
Cardiovascular disease is well known in toy breeds, such as Chihuahuas and Maltese, because of their high incidence of mitral valve disease, but researchers were surprised to find that the rate was almost as high in Fox Terriers. It’s unknown if that’s because Fox Terriers are more prone to heart disease than previously realized, or if they’re simply more protected from other diseases.
A high proportion of deaths from respiratory disease was expected in Bulldogs due to their brachycephalic airways, but finding that respiratory disease accounted for the highest percentage of deaths in the Afghan Hound and Vizla was unexpected.
Examples of Organ System Problems
The study did not provide details about which diseases are included in each category (my mind boggles at the details left out of published studies), but following are some examples of conditions that are likely to be classifed in each organ system:
–Gastrointestinal – Gastric dilatation and volvulus (GDV, or bloat) is likely the most common gastrointestinal cause of death; other causes would include pancreatitis, inflammatory bowel disease (IBD), intestinal obstruction, perianal fistula, exocrine pancreatic insufficiency (EPI), lymphangiectasia and other forms of protein-losing enteropathy, and cancer.
–Neurologic – Diseases of the brain and spinal cord, such as intervertebral disc disease (IDD or IVDD) that can cause paralysis; strokes; seizure disorders; degenerative myelopathy; myasthenia gravis; encephalitis; laryngeal paralysis; wobbler syndrome; syringomyelia (common in Cavalier King Charles Spaniels); and tumors of the brain and spinal cord.
This category likely includes cognitive disorders as well, such as canine cognitive disorder (CCD) or cognitive dysfunction syndrome (CDS), similar to Alzheimer’s in people. Diseases that cause paralysis, such as tick paralysis, polyradiculoneuritis (coonhound paralysis), and botulism would likely be included in this category.
–Musculoskeletal – Joint problems such as hip dysplasia, elbow dysplasia, and arthritis. Bone cancer would also fall into this category. Trauma is often linked to the musculoskeletal system as well.
–Urogenital – Kidney disease, urinary stones, pyometra (infection of the uterus), and prostate disease. Stones are undoubtedly the major contributor to the Dalmatian’s 16 percent of deaths in this category, and probably a big part of the high rates in Lhasa Apsos, Shih Tzu, and Miniature Schnauzers as well.
–Respiratory – Brachycephalic airway, collapsed trachea, and pulmonary fibrosis. The Afghan Hound is prone to lung lobe torsion, which may account for their high rate of death in this category. Laryngeal paralysis is not uncommon in Vizslas; perhaps that disease was considered respiratory rather than neurologic by the study.
–Hematopoietic – Relating to blood. Causes might include thrombocytopenia (low platelets), autoimmune hemolytic anemia (AIHA), and disseminated intravascular coagulation (DIC). This category could also include blood-related cancers such as leukemia, lymphoma, and hemangiosarcoma.
–Endocrine – Cushing’s disease and diabetes mellitus are the most common endocrine disorders in dogs. Addison’s disease would also fall into this category.
Examples of Disease Processes
Examples of conditions that were likely to be classified into the different disease process categories:
–Trauma – Injury, such as being hit by a car, or being accidentally dropped or stepped on, especially in the case of toy-breed puppies.
–Infectious – Viral disease, such as parvovirus and distemper; bacterial infections, such as leptospirosis and most tick diseases; fungal infections, such as blastomycosis and histoplasmosis; and protozoal disease, such as babesiosis and leishmaniasis.
–Congenital – A condition present at birth, which may be genetic or caused by something that happened in the womb or during birth. Examples include liver shunts, common in the Yorkshire Terrier and Maltese as well as other toy breeds; and heart defects, common in the Newfoundland and Bulldog, among others.
–Degenerative – Diseases such as degenerative disc disease, hip dysplasia, and other forms of joint disease fall into this category. There are also degenerative diseases of the eyes, heart, and other organs.
–Inflammatory – IBD, pancreatitis, masticatory muscle myositis, and granulomatous meningoencepha-lomyelitis (GME) are inflammatory diseases.
–Metabolic – Anything that affects the organs, including kidney and liver disease. Endocrine diseases would be considered metabolic, along with diabetes insipidus and urinary stones.
–Toxic – Poisoning, such as by ingesting rat poison, toxic mushrooms, or antifreeze.
–Vascular – Stroke (cerebral vascular accident) is the most obvious. Other possibilities include acquired liver shunts and fibrocartilaginous embolism (FCE).
Prevention Strategy
You can use this information to help your dog stay healthy.
First and foremost, keep your dog lean! Overweight dogs are more likely to develop musculoskeletal problems, disc disease, diabetes, heart disease, and even some forms of cancer.
Proper vaccination of puppies protects them from most infectious diseases, though frequent revaccination for viral diseases is unnecessary in adult dogs. Spayed females cannot get pyometra (uterine infection) and neutered males are less likely to develop prostate disease.
Letting dogs off lead only in protected areas helps prevent deaths due to trauma.
Gastropexy (surgery to tack the stomach to the side of the body wall) to prevent torsion and reduce the risk of fatality from bloat can be performed proactively for commonly affected breeds or dogs with close relatives who have bloated, or during bloat surgery.
Even “doggie dementia” can be helped with appropriate supplements and medications (see “Old and Confused,” December 2008). EPA, DHA, antioxidants, and mitochondrial cofactors have been shown to improve the performance of older dogs on various cognitive tasks in as little as two to eight weeks.
Recently it’s been suggested that the high rate of cancer in Golden Retrievers can be partly traced to a single “popular sire” who sired over 1,000 puppies and later died of hemangiosarcoma. Because this dog and his progeny were used so extensively, the genes predisposing Golden Retrievers to hemangiosarcoma are now so widespread that it is difficult to breed around them. Breeders can help ensure genetic variation and avoid such outcomes by not over-breeding to a single dog or line of dogs.
The hope is that, armed with this new knowledge, veterinarians and owners can be proactive in watching for these diseases, taking preventative measures and beginning treatment early. The information from this study can also help direct breed-specific research on genetic causes and preventative measures for specific diseases.
Mary Straus does research on canine health and nutrition topics as an avocation. She is the owner of the DogAware.com website.
If you are visiting family or friends, the key to a great vacation with your dog pal is to ask first! Be direct: Would it be convenient for me to bring my dog? Even if your family and friends love your dog as much as you do (or love you enough to understand that you are a package deal), there may be situations when it is just not suitable to bring your dog.
For example, if your niece is allergic to your dog, or your uncle just adopted a new cat who is afraid of dogs, leaving your dog at home might be a better choice. If you are visiting friends or family for an event – say a wedding or other large gathering – keep in mind how your dog will fit in with the plans. What will he or she do while you are at the rehearsal dinner? Will he be comfortable and quiet – or panting and barking – in a crate while you are toasting the bride and groom?
If your dog is welcome, and the visit is one that will allow your dog some fun times, too, checking in a little more than usual with your host can go a long way toward keeping good family and friend relationships happy. Consider asking, “What can I do to make it easier for you or your other family members (including your pets)? Do you have any household restrictions or requests (like not letting the dog on the new white carpet!)? Can I bring any extra supplies (like sheets to cover furniture)?”
Once you get to your family’s house, spend a little time helping your dog get settled before you get too involved with catching up with the relatives. Make sure he eliminates outside before you go in, then show him around in a calm, controlled manner, perhaps even keeping him on leash.
If there is a resident dog, take the dogs for a walk together before bringing them into the house together; even if they know each other, this will help them transition and be calmer once inside. Remember throughout your visit to help your dog follow the household rules like staying off the furniture or out of certain rooms. With your help, your dog-pal can learn the rules of this new place, and will be much more likely to be invited back again!
For some of us, taking a vacation just wouldn’t be nearly as much fun if we couldn’t share it with our dogs. Camping and other outdoor adventures are natural vacation options with our four-legged friends, although dog-friendly vacations can be as plush as a four-star hotel stay! Depending on you and your dog, your perfect dog-friendly vacation might mean a visit with your favorite aunt and uncle, sightseeing in your favorite historical town, long days hiking and swimming, or simply snoozing in a hammock on your favorite beach.
While taking your dog on vacation can be great fun, it can also pose some challenges. Not every dog (or person, for that matter) will enjoy a visit to a crowded tourist destination. Not every relative will appreciate having us show up on their doorstep with our dog in tow. And some dogs just aren’t cut out for rugged camping adventures. Plus, some dogs become over-excited or anxious when traveling, which can lead to things like marking, barking, or destructive behavior. These won’t make for the most relaxing vacation experience!
So how can you make sure that you have a fun-filled, happy vacation that includes your dog, and a dog who loves to vacation with you? It all starts with realistic expectations and being prepared.
When you think about vacationing with your dog, you may already have a destination, such as a visit with your favorite aunt or a trip to a national forest. If you’re still considering your options, a quick Google search will reveal thousands of dog-friendly vacationing opportunities: camping, cabins, resorts, hotels and motels, beaches, dog camps, and even canoeing and boating trips. But which will you and your dog really enjoy?
To avoid a lot of “pre-training” for what you know will probably be a one-time experience, you may want to choose a get-away that brings you the experience you desire, while still taking into account your dog’s personality. Consider some of these dog-related questions when thinking about your vacation:
-Does your dog like adventure and excitement? Or would she be happier with a calm, quiet experience?
-Is your dog a seasoned traveler? Or will this experience be all new?
-Does your dog enjoy people? Other dogs?
-Does your dog have any special needs or physical limitations that might affect her enjoyment of a trip?
How will thinking about these questions help? If your dog is a social butterfly, and you both love the bustle of people and activity, for example, you might choose a dog-friendly resort area or city.
In contrast, if your dog is shy of people or likes to run and swim, you might choose a quiet week in a lake-front cabin instead. Keeping your dog’s personality and experience in mind will help you plan a fun vacation for you both.
Dogs Allowed or Dog-Friendly?
Once you have a specific type of trip in mind, it’s time to do a little research. For most vacation destinations, you can find options that will allow dogs. But there is a vast difference between a place that simply allows pets and one that is truly pet-friendly.
Some tourist destinations, for example, allow dogs in hotels, campsites, and parking areas, but not when visiting the actual attractions. We found that out one year when visiting a state park. Our dogs were allowed in our campsite and the parking lot areas, but not on the trails that led to the river, beach, or redwoods.
In contrast, a friend recently returned from a tour of art galleries in Santa Fe, New Mexico. Their accommodations were welcoming of their young German Shepherd, but Cassie was also invited into every gallery they visited. Plus the city boasts a large off-leash dog park and walking area. Both dog and humans had a wonderful vacation and plan to return in the near future.
When making your vacation plans, call or query ahead and ask to make sure that what they consider “pet-friendly” really does meet your canine’s needs. Check out these 5 Tips for Staying in a Hotel With Dogs from Dogster.com to make sure you know exactly what to expect.
-Are dogs allowed in the hotel, motel, or campground?
-Are there size or breed restrictions?
-Are there restrictions on the number of dogs you can have?
-Is there an extra charge or a cleaning fee for dogs?
-Are dogs required to be on-leash?
-Are there dog-friendly parks in the area? What about off-leash parks or beaches?
-Are dogs allowed on walkways, paths, or trails? In city or downtown areas? On sidewalks? In stores, galleries, wineries, or other locals attractions?
-Do I need proof of vaccinations or a health certificate?
Keep in mind that there are no right or wrong answers here. Some people may really want to visit a place where their dog can romp off-leash, while for others that isn’t as important, or could even be a deterrent. The answers to these questions will help you assess if this is the right place to take your dog.
Preparing for Travel with Dogs
Travel is a huge part of many vacations. My vacations usually involve car and foot travel (i.e., walking and hiking), but I have friends who have ridden bicycles across the country with their dogs, and know others for whom canoeing and kayaking are important parts of their dog-friendly vacations.
The most important thing to consider about traveling with your dog is how accustomed he or she is to the type of travel you will be doing. Is your dog comfortable in the car or canoe? Can you take steps ahead of time to help him become more comfortable?
If traveling by car or recreational vehicle, make sure your dog is relaxed on longer rides, doesn’t get car sick, and knows how to settle down. To make it even more pleasant for your dog, plan to make frequent stops to stretch, play, and potty.
If your vacation involves walking, hiking, or backpacking, make sure your dog is in good enough shape to handle your walking expectations. In addition, make sure his or her pads are toughened up for new terrain or have him habituated to wearing booties to protect his feet.
Bike and boat travel with dogs usually involves dogs riding in a specific spot, carrier, or cart. Similar to traveling by car, your dog will need to be comfortable in the particular vehicle and know how to settle in for the ride.
Are you considering public transportation as part of your travel plans? Depending on where you live and the type of travel you are doing, this may or may not be an option. For example, in the U.S., Amtrak trains and Greyhound buses do not allow dogs, with the exception of service dogs. But some trains in other countries do. Do your homework ahead of time to find out the rules.
Prepare for “Dog Time”
Some vacations involve continual travel or moving from place to place. Others are about getting to and enjoying a single destination. But either way, your vacation will mean a lot of together time with your dog. This is where a whole set of “do’s and don’ts” come into play.
Do plan to have your dog with you all of the time. Your dog will need to be with you or one of your traveling companions at all times.
Don’t leave your dog alone in a hotel room or campsite (most places don’t allow it, and even if they do, many dogs will be completely freaked out at being left in a strange, new place).
Don’t leave your dog alone in the car while you play tourist. Even in the shade, even with the windows down, leaving dogs in cars can be very dangerous. On a 75 degree day, for example, the temperature inside of a car can reach 120 degrees in 30 minutes or less. This can put your dog at risk for heat stroke and death. Cold is equally problematic. In cold or snow, your car can become a refrigerator in a matter of minutes. Plus, dogs can be stolen from cars when left unattended.
If you are staying in one place (say a rental cabin or a family member’s home) for more than a few days, Do condition your dog to staying in this new place for short periods of time. It’s easiest to do this with dogs who are crate trained or already accustomed to visiting places other than your home.
Some tourist destinations also have day kennels where you may be able to leave your dog while you visit the sights, but Do check out any kennel carefully to make sure it is a safe and appropriate place for your dog.
Not being able to leave your dog does limit how you will travel and what you can do. But it also opens up opportunities to do more fun things with your dog. For example, you can find great dog-friendly restaurants with outdoor seating, or get take-out and have a picnic at a nearby park or riverbank. While you may not be able to hike that national park trail, you probably can hike an equally beautiful trail in a neighboring national forest. An outdoor art exhibit or private gallery may allow your dog even if the county museum does not.
Train Your Dog Along the Way
Like with everything in the life of a dog, a little training can really pay off in the long run. Some behaviors are especially helpful when it comes to traveling.
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Eliminating on cue (“Go potty” or “Get busy”) may be one of the more important things you can teach a dog with whom you would like to vacation! A dog’s house-training may or may not travel with him to a new place. Dogs tend to learn where to go at home and the places they visit regularly, but they won’t know when you first step out of your car in a new city or town where the appropriate toilet spot is located. When you teach them to eliminate on cue, you have a huge step up to helping them learn to go when and where you want them to go (like in a posted potty area rather than the hotel flower garden, or worse yet, the lobby planter!).
Here’s how to get this behavior on cue:
1. Pick a word or cue such as “go potty” or “get busy.”
2. For about a week, every time you see your dog about to pee or poop, say “get busy” or your cue. This will begin creating an association between the words and the action. When the dog finishes, praise or give a reward.
3. Once your dog seems to be making the connection between the cue and eliminating, try asking your dog to “get busy” when you know he needs to, but isn’t yet about to do it. Does your dog look for a place and make it happen? If so, you’ve successfully created an association, and you can use it in new places.
4. Keep rewarding your dog until he has it down! Now, when you get to a new place, you can take your dog to a designated potty area and say, “get busy.”
Along with teaching an elimination cue, you can help your dog understand where to go by doing the following:
–Give him the chance to relieve himself as soon as you arrive at a new place.
–Take your dog out regularly, much as you would a puppy. Praise or reward him for going in an appropriate spot.
–Don’t expect your dog to know how to “ask” in this new place. And certainly don’t expect him to find the potty spot on his own until you have been in a place several days and it is well established.
–Is your dog a marker? If so, keep a very close eye on him in the first hours or days in a new place. Interrupt marking behavior immediately and take him to a designated potty area.
Other behaviors that can help your dog have a great vacation include:
Coming when called. This is a critical safety skill. If your dog gets loose in a new environment, he can easily become disoriented. Knowing to come back when called is even important for dogs who will be kept on-leash. You just never know when a dog will become upset or freaked out and take off unexpectedly.
Settle on their bed or in their crate. If your dog knows how to settle, then you can use this behavior when you are dining in an outdoor restaurant or when you are ready to relax back at the hotel room. If you are visiting family, your dog may be more likely to be invited back if he can settle quietly during dinner or at the end of a busy social day.
Say hello. During travel, you will likely run into unfamiliar people. Teaching your dog the important skill of greeting strangers can really help your dog’s comfort level in a new place.
Loose-leash walking. Leashes are almost always required at some point during a vacation, and you’ll both have a lot more fun if your dog isn’t dragging you around.
When you are embarking on a new experience with your dog, training ahead will help. But keep in mind that for a novice traveling dog, you will likely need to do some training along the way, too.
For example, one of my dogs started off his first camping adventure afraid of night noises. The first few nights of our camping trip were not much fun at all. I was awake, working with him to understand that the night rustles and owl hoots really weren’t anything to be concerned about. But after that initial training, he became a great camping dog – knowing what to ignore, and when to alert. Giving up a little sleep in order to train paid off big time for years of camping adventures.
Doggy Packing List?
When getting ready to pack for yourself, your decisions will be influenced by where you will be staying, the weather, and what activities you will be enjoying. Consider the same things when deciding what to bring for your dog. The basics include food, water, and bowls, treats, poop bags, and a leash, but your list may expand depending on the type of vacation you are taking.
If your dog will have the opportunity to get wet, muddy, or covered with burrs and ticks, bring dog towels (and dog shampoo?), a brush, flea comb, and tick remover. For a hotel stay, bringing a comfy crate and an extra sheet or blanket to protect your bed would be more appropriate.
One of the most important things to consider for your dog is identification. Make sure your dog wears a well-fitting collar with current ID tags or nameplate. Even if your dog does not wear a collar or tags at home, it is critical should you become separated during your travels. Make sure the ID has a phone number that can be reached on your travels – ideally, your cell number.
A microchip is also a very good idea for all dogs, but especially when you take your dog on a trip. Most shelters and veterinary emergency hospitals have scanners and will check for a microchip should your dog become lost. This is one time when planning for the worst is essential!
In some cases, for example if you are crossing state or national borders, you may need to have health certificates or proof of vaccines with you. Some parks or camp areas may also require proof of rabies or other vaccinations. Check ahead to make sure you have the paperwork you need.
For your dog’s comfort, always bring along some things that are familiar. A favorite bed or blanket or a cozy sleeping kennel are ideal. Having a familiar bed or blanket can really help your dog understand that where you are, he belongs! And if your dog has been taught to settle on his bed, he will also know where to take a break from the excitement of your travels. Favorite toys can also help.
Think about confinement tools, too. A crate for sleeping or traveling in the car is great, but you might want to consider other types of confinement as well. For example, if you are car camping, your dog may be required to be on-leash at all times in the campground. But if you’re cooking over an open fire, you will not want to hold on to your dog’s leash. A cable tie-out or an exercise pen may be good options for hanging out around the camp. Of course you will need to be with your dog and supervise if he is on a tie-out or in a pen, but your hands will be free for other activities.
Finally, think about what you’ll need, and then come up with a similar list for your dog. Will you need sun protection? Then you might need to think about sun protection for your dog as well. Will it be cold enough for a jacket? Perhaps your short-haired dog will also relax more comfortably with a sweater or jacket. What about insect repellent? Will you encounter fleas, ticks, or mosquitoes during your travels? Are you taking along your boots for hiking or a life jacket for boating? Then your dog may benefit from foot protection and a flotation vest. What about a first-aid kit? Obviously, for some vacations, you won’t need all of these items, but be sure to consider all of the “what ifs.”
Enjoy Your Dog!
My vacation this year will be to our favorite place in Northern California, called The Other Place. The house we will rent sits on a ridge top above the town of Boonville. It has the perfect balance of creature comforts for me and my partner, and wild dog experiences for our young Queensland heeler-mix. Plus, it’s private and calm – a good match for my dog’s needs and personality. We’ll hike and play, she’ll swim in the pond, and we’ll all relax in a big hammock overlooking a beautiful valley, brimming with bird song. We will also take a trip to the coast, spend a day walking wwthe dog-friendly trails of the Mendocino Botanical Gardens, dine at outdoor restaurants, and probably picnic by the river, too.
This type of vacation is well suited for our dog, with the right balance of activity, calm and quiet, and just a touch of social interaction. Some day, I may have a very outgoing dog, and then I will plan a vacation to one of the great dog-friendly resorts, or perhaps spend a week at a dog camp playing agility with other dog-fanatics and their dogs. But for now, this trip will suit all of us perfectly and give us, well, a real vacation!
When Erin Sullivan’s employer offered her a promotion and relocation to Orlando from Baltimore, she jumped at the chance to leave the cold behind in favor of the Sunshine State. Little did she know that her excitement would soon be quashed as she attempted to find a rental home – and subsequently, renter’s insurance – that would accept her, her Pit Bull, and two Pit Bull-mixes.
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Stories of breed discrimination by insurance companies (and rental property owners) abound as insurance companies increasingly refuse to write homeowner’s and renter’s policies for people who own breeds of dogs that the insurance industry considers to be “dangerous.” Many opponents argue that the industry’s decisions are based on faulty assumptions and improper use of dog bite statistics. Authors of scientific studies on dog bites have argued against the use of their data to support breed-based decision-making by insurers and legislatures. Major veterinary and breed registry organizations have also strongly opposed breed discrimination in insurance. None of these expert opinions seem to dissuade the insurance industry, however.
A Triple Whammy
When Sullivan embarked upon a search to find rental housing in Orlando that would accept her and her dogs, she prepared resumes for her dogs, wrote letters explaining that she would be more than happy to provide liability insurance through a renters’ policy that would cover the dogs, that she’d pay extra deposits, provide stellar references, and Canine Good Citizen (CGC) and Temperament Testing certificates.
That strategy seemed to work – at first. She soon discovered that although she might find a suitable home to rent, the insurance policy of the home’s owner would not allow for Sullivan’s dogs to be on the premises. It took Sullivan “a couple of months of searching and worrying and being rejected by, literally, dozens of agents and private homeowners” before she found a great landlord who had a State Farm policy and allowed her to have her dogs live with her in the house.
It turns out that Sullivan’s dogs were not the only factor that made it difficult for her to find an insurance provider. Sullivan learned that national insurance carriers had been leaving the state of Florida in droves, declining to renew – never mind issuing – policies due to high risk associated with Florida’s hurricanes. Her choices were already limited by her choice of moving to Florida, and her choice in dogs made the task even more difficult!
Insurance Landscape
Homeowner’s and renter’s insurance are categorized by what the industry calls “cause of loss.” These are property damage (fire, lightning, and debris removal; wind and hail; water damage and freezing; theft; all other) and liability (bodily injury and property damage; medical payments and other; credit card and other). Dog bites are in the latter category.
States are responsible for crafting laws that regulate insurers within their borders, and in no state is it mandatory that coverage be offered to every consumer who applies.
The problem is this: Many insurers base their decisions to cover renting or home-owning dog owners solely on the breed of the dogs, not the individual characteristics of the applicants’ dogs. The insurance industry has prejudged entire breeds of dogs as being too risky. And few states have laws that compel insurers to write policies for all dog owners.
When it comes to insuring homeowners or renters with dogs, a few insurance companies consider each applicant on a case-by-case basis that includes the dog’s history — querying the home owner as to whether the dog has a bite history (this is the case with my insurer, USAA). Others, however, maintain that their decisions are based upon their experience with claims for a certain breed, taken from their own database of the number of claims for dog bites and dog attacks per breed. Some base their decisions on lists of dogs considered to be dangerous; others cite published reports on the frequency of dog bites for certain breeds.
The Insurance Information Institute reports that, “Insurers generally oppose legislation that would require changes to their dog breed practices. They contend that government public health studies and the industry’s claims histories show that some breeds are more dangerous than others and are higher loss risks.”
When I inquired with the states of Florida and Georgia, I received similar replies: It’s legal for insurance companies to decline to offer coverage to individuals who own certain breeds of dogs or other animals that are considered aggressive. This seems to be the case across most of the U.S., although a few more forward-thinking states have passed laws that prohibit insurers from discriminating against dog owners based only on breed (Michigan and Pennsylvania, for example).
Valid Rationale?
It’s true that dogs bite. According to the Centers for Disease Control and Prevention, more than 4.7 million people are bitten by dogs annually, resulting in an estimated 800,000 injuries that require medical attention. Information from a December 2010 report from the Agency for Healthcare Research and Quality shows that in 2008, 9,500 Americans received “serious” dog bites. Treating patients admitted to a hospital for dog bites cost hospitals an average of $18,200 per patient and $54 million overall. The report also claims that over a 15-year period, hospitalizations for dog bites increased 100 percent.
The Insurance Information Institute reports that dog bites account for more than one-third of all homeowners’ insurance liability claims, and that the total cost of the dog bite-related claims was about $412 million in 2009. It reports that the average cost of dog bite claims was $24,840 in 2009, while the number of claims increased 4.8 percent to 16,586.
Four hundred and twelve million sounds like a lot of money, but let’s put it into perspective. Property damage accounts for about 96 percent of all claims, with liability claims accounting for the remaining 4 percent of claims – and dog bites accounting for a bit more than a third of liability claims.
Even if we assume the insurance industry has a grasp on dog bite numbers, the statistics they lack are reliable reports of bites by breed, which is a story in itself due to concerns about breed misidentification.
Two published reports seem to serve as the basis for breed discrimination related to dog bites by insurance companies. The first was a 1997 report, “Dog-Bite-Related Fatalities – United States, 1995-1996,” published in the Centers for Disease Control’s (CDC) weekly “Morbidity and Mortality Report.” Authors of this report analyzed data from the Humane Society of the United States (HSUS) and media accounts of dog-bite-related fatalities in the NEXIS database.
The second report is “Breeds of Dogs Involved in Fatal Human Attacks in the United States between 1970 and 1998,” published in the Journal of the American Veterinary Medical Association (JAVMA) in 2000. Its authors also analyzed data from HSUS and media accounts.
Here’s the interesting thing: Both the CDC and American Veterinary Medical Association (AVMA) concluded that their own analyses cannot be used to infer breed-specific risk for dog bite fatalities, nor to identify specific breeds most likely to bite or kill. The CDC went so far as to stop tracking dog attacks by breed in 1998. Both organizations have further qualified that their reports should not be used for policy-making decisions. Why? Both cited several reasons, including the fact attacks by some breeds seem to be regarded as more news-worthy than other breeds, resulting in a disproportionate number of articles about bites by certain breeds. Another factor cited was that identification of breeds is often subjective. Dog-bite-related fatalities, said the JAVMA study, “may be differentially ascribed to breeds with a reputation for aggression.”
Karen Delise, author of the Pit Bull Placebo and founder/researcher for the National Canine Research Council, notes that the CDC recommends “A Community Approach to Dog Bite Prevention” by the AVMA Task Force on Canine Aggression and Human-Canine Interactions. The CDC says, “Dog bites are a largely preventable public health problem, and adults and children can learn to reduce their chances of being bitten.” Their stance is that public education, not breed bans, will prevent dog bites.
Unfortunately, the CDC and JAVMA studies are still cited by some insurance companies as the basis for their policies to deny coverage to people with certain breeds of dogs.
Between a Rock and a Hard Place
If you are a homeowner with a mortgage, your mortgage company requires that you have insurance. Many landlords require their tenants to have a renter’s insurance policy. You are not required to have liability insurance if you own your home outright or your landlord does not require it, but going without insurance leaves you open to significant liability. The website Dog Bite Law advises that “Every dog owner needs to have homeowner’s insurance or renter’s insurance that (a) provides coverage for, and does not exclude, injuries inflicted by dogs or animals in general, and (b) has a limit of at least $100,000 for personal liability.”
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Attorney Larry Cunningham, Assistant Dean for Students and assistant professor of legal writing at St. John’s University School of Law in New York, had firsthand experience with breed discrimination in Lubbock, Texas, when he went to buy a home and sought to purchase homeowner’s insurance to cover him and his two dogs, a Rottweiler and a Chow-mix. As a result of his eye-opening experience, he penned an informative piece, “The Case Against Dog Breed Discrimination by Homeowners’ Insurance Companies.”
Cunningham is clear on one point: You must not lie about your status as a dog owner when applying for insurance. “Consumers should definitely shop around, since there are a few companies who will consider an individual family’s circumstances and whether the family dog has a bite history. Above all else, however, families should not lie. Lying on an insurance application is a felony in most states (‘insurance fraud’) and can invalidate the policy later on if there is a claim.”
The American Kennel Club (AKC) is against breed discrimination by insurance companies, stating, “If a dog is a well-behaved member of the household and the community, there is no reason to deny or cancel coverage. In fact, insurance companies should consider a dog an asset, a natural alarm system whose bark may deter intruders and prevent potential theft.” Below are some of the tips they offer to dog owners on how to find homeowner’s insurance (from the online AKC Homeowners’ Insurance Resource Center):
–Ask your dog-owner friends who they use for insurance; if your dog is a purebred, check with your dog’s national breed club for ideas. I’d add to this: also check with local breed and training clubs, and other local dog resources such as dog daycare centers and trainers.
–Contact your state’s insurance commissioner to get a list of the insurance companies doing business there. Tell the commissioner of your frustration over companies’ discriminatory practices. The AKC recommends that, if you have had a policy cancellation or refusal to renew, ask the commissioner to review your policy. Remember, laws might exist, such as in Pennsylvania or Michigan, that prohibit insurance companies from discriminating by breed.
–Agents within the same company may have different policies. Talk to more than one representative for a particular carrier before giving up.
–Contact your state senator or representative and let him or her know the difficulties you are having. Ask that she introduce legislation prohibiting insurance companies from discriminating against homeowners based on the breed of dog they own. (Note: The AKC’s Government Relations Department has materials to help with this.)
–Provide proof that your dog has been trained, and/or has his CGC.
–Consider buying a separate liability policy or separate rider to your existing policy that is specifically directed toward your dogs.
Erin Sullivan’s solution was to get an umbrella policy tied to her car insurance policy that offers liability insurance and covers the dogs. Unfortunately, she could not find any rental policies or homeowner’s policies that would insure her. She says, “At this moment, I do not have any renter’s insurance; no one down here in Florida will write a policy for my dogs, except Citizens (Property Insurance Corporation). And it would only exclude the dogs; it would not cover them.”
In Cunningham’s case, after weeks of calling nearly every insurance agent in Lubbock, he obtained insurance through the Texas Farm Bureau, an organization that he says “advocates for farmers and farming issues.”
I queried other individuals in similar situations; there are those who have foregone insurance; others have lied about their dogs; one built her own home after being asked to leave her rental apartment and also finding restrictions from some neighborhood associations; and one is paying an additional $1,200 a year for a policy that has no breed restrictions.
The Stark Reality
Doggone Safe is a nonprofit organization dedicated to dog bite prevention through education and dog bite victim support. Co-founder and President Joan Orr says, “We think that the history and characteristics of the individual dog and the owner characteristics should be considered rather than the breed. This is difficult for insurance companies since they base everything on statistics and the stats indicate that certain breeds bite more.
“This does not take many other important variables into account, but I am not sure how else they could do it. Teenage and young adult males pay huge car insurance premiums (three or more times what females pay) because statistically they get into more accidents. This is not fair on the boys that are safe and cautious, but it is the way insurance risk assessment works.”
I asked Dean Cunningham what would be needed to convince state insurance regulators to step in and push through changes that would help dog owners. “State legislatures step in when there is political support behind particular regulation,” he says. “For example, in the mid-1990s, it came to light that new mothers were being discharged from hospitals within 12-24 hours of giving birth because the insurance companies were not paying for longer stays. State legislatures stepped in and required insurance companies to pay for at least 48 hours. There was a political uproar that supported the legislative change. I’m not sure the same political pressure exists with the breed discrimination issue.”
Lisa Rodier shares her home with her husband and senior Bouvier, Jolie.
Years ago, I had high hopes for participating in dock diving sport with my now-9-year-old dog, Woody. But it turned out that my high-jumping, strong-swimming dog absolutely hates getting water in his ears!
