I was hoping someone could give me some advice...

I have a beautiful 13 week old female Pug (Moo-Moo) who I hope to breed with my sisters Pug (Johnny) in the future.
I'm having trouble with pet insurance - I want to take out insurance for Moo as she hasn't got any at the moment but nearly every pocily I've seen online (which is a fair few) say that you have to agree upfront that the dog to be insured will not be used for commerical breeding.

If anyone could give me any advice on this that would be amazing - Thanks in advance!

erm they wont cover for breeding....not sure what advise you wanted... im not aware of any insurers that will.

dont forget health tests etc... not as simple as just bitch + male. also if suitable your bitch will have to be much older (i believe its 2yrs) dont quote me on that though

Thank-you for your reply.

I was just wondering if anyone knew of any insurance companys who provide insurance for dogs who will eventually be bred?

Firstly, as yet, you have absolutely NO idea whether your girl will be suitable for breeding - there may be health tests required for your breed which should be done before you even consider breeding her - similarly, your sister's pug may not be the best dog for her when the time comes.

Therefore, at this point in time, she is in very simple terms, a (hopefully), much loved pet.

Similarly, commercial breeding is very different to a hobby breeder taking a litter - there's not much money (if any) to be made from breeding in many breeds if you do it properly- therefore, the determination of whether it is breeding for commercial purposes has more than a few shades of grey.

I breed the occasional litter, I've got mine insured, the contracts clearly state that they will not cover any claim arising from breeding - which is fair enough.

Your girl is a puppy, there is no harm in playing around with pedigrees and thinking about what you might like to do in the future IF everything is in order -but that's a couple of years away yet - so at present, your girl is not in any way a breeding bitch - she is a pet (and maybe show) pug that in the future you MIGHT want to breed from.

Call it semantics if you like - but unless you are planning on breeding within the next 12 months, and I seriously hope you are not, then, there's no reason to declare anything on the insurance. When the time comes to mate here, then you check the small print around this, even speak to the insurance company if you feel happier about it - but ultimately, you will probably find that very simply, they will not - understandably cover any claim arising from breeding.

I believe Pugs are one of those breeds where problems are more common than others and C-Sections more likely - those are things you will have to foot the bill for unless you can find an affordable breeders insurance when the time comes.

__________________
What you need to know before buying a Labrador puppy

O be honest, I'd put the idea of breeding out of your mind for at least 4 or so months, but research it for fun and curiosity in the mean time!
From my understanding, pugs are terribly bad whelpers- their head-to-hip ratio has to be exact or she could fracture her pelvis trying to pass a pup. C-sects are likely in unresearched pedigree breedings, unless you bought her for the purpose of breeding?
At 13 weeks remember you have no idea who she will grow up to be, so keep this in mind when deciding on your insurer. But no, many won't unsure a breeding bitch (especially the likes of the pug), and any that do cost an arm and a leg and have a lot of fine print and very little they will cover!

They will insure them, they simply won't cover them for anything they deem to be directly related to, or arising because of breeding.

Unless something has changed very recently, I've only come across Sainsbury's and one other insurer who even ask the question.

They do ask if your dog is going to be used for commercial purposes, but the meaning of this is usually around work and security.

I have two bitches who I have known from the off, probably before they even arrived, that I would like to consider breeding from in the future, but have latterly for various reasons decided I won't take a litter from them.

In summary, you are worrying about something that may never happen, as mother nature does like to put obstacles in the way - for now, just insure her as a pet, and when the time is right to breed from her - then is when you should be speaking to insurers and checking whether your policy can remain in place or not.

__________________
What you need to know before buying a Labrador puppy

Again, thank-you very much for taking the time to reply.

Can you tell this is my first puppy?

I understand breeding will depend on future suitability but was just a little worried when I kept seeing the same catuions coming up on the pet insurance quotes & didn't want to do anything that may invalidate the insurance in the future.

Just to check am I right in saying that I could take out a normal pet insurance policy for Moo & if & when I do breed her (in the very distant furutre) if something were to go wrong I could foot the bill personally or take out a seperatre breeders insurance beforehand?

Thank-you again

Swarthy I see you have answered my above question - thankyou for taking the time to reply & all the advice, I'll take out normal dog insurance for the time being.

Kodakkuki - thanking you also for the advice & taking time to reply.

gahh! Sorry that's what I meant; that they wil not insure for breeding purposes! I really to need to start proof reading- it all made sense in my head!

I don't have my girls insured anymore. I did when the first 2 were younger, but once missy was bred her insurance doubled- and they were going to charge me £45pcm for dex, my rescue chi, as he was 3 at the time of insuring him... So instead I just put £ that I would have been spending on insurance into a separate bank account for use on vet fees and animal emergencies!

But yes, normal insurance for a few years at least! and then once she and he have been evaluated, start saving for breeding costs- make it a fair few months in advance though; or clear a credit card!!!