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The following is a communication sent out by Nationwide Insurance regarding a change to their policy on insuring homeowners
with dogs. This new change allows previously uninsurable breeds to bow be insurable based on some simple steps taken by pet
owners.
with dogs. This new change allows previously uninsurable breeds to bow be insurable based on some simple steps taken by pet
owners.
Communique From Nationwide Insurance:
We are pleased to announce that, effective June 22, 2004, new business customers owning one of the previously ineligible breeds
will be accepted, provided the animal has successfully completed the Canine Good Citizen.program (CGC), which is supported by
the American Kennel Club (AKC). The CGC Program is certification process that stresses responsible pet ownership for owners
and basic good manners for dogs. Animals with a bite history, as well as trained attack or guard dogs, will remain ineligible.
What will it look like and what do I need to do?
In order for new business to be eligible, the dog will need to have completed the CGC program, which is a certification program
designed to reward dogs who have good manners at home and in the community. At the time of binding, eligible customers will be
required to produce the certificate that is issued by the American Kennel Club upon passing the CGC program and evaluation. The
document must be submitted to the Service Center as a trailing document. If the certificate is not submitted, the policy will be
rejected.
Frequently Asked Questions
Q. Why is Nationwide changing its position on ineligible dogs?
Nationwide's new position allows policyholders to preserve coverage, while retaining the company's responsibility to adequately
price its products according to the risk each customer presents. Prospective Nationwide customers possessing a disqualified dog
must meet general underwriting guidelines and additionally demonstrate the dog's successful completion of the American Kennel
Club's Canine Good Citizen program.
Q. Will we write a new business customer that owns a Rottweiler?
Yes, provided that the customer can produce, at the time of binding, a certificate validating that the Rottweiler and the dog owner
have successfully completed the American Kennel Club's Canine Good Citizen certificatio program.
Q. A prospective customer's Doberman has gone to obedience training and received a certificate of completion from the local
Humane Society. Is that acceptable documentation?
No. The only documentation that is acceptable is certification from the American Kennel Club's Canine Good Citizen Program,
which must be submitted to the service center at the time of binding.
Q. Is a letter from the veterinarian assessing the dog's temperament sufficient?
No. The Canine Good Citizen certificate is the only acceptable proof of completion. Canine Good Citizen is a two-part program that
stresses responsible pet ownership and appropriate training for the dog.
Q. The customer's Pit Bull is just enrolled in the Canine Good Citizen Program with a trainer certified by the AKC. Can I bind the
business?
No. The owner must demonstrate that the dog has successfully completed the Canine Good Citizen program to bind coverage. The
certificate must be presented by the customer and submitted to the service center as a trailing document.
Q. Do existing policyholders that acquire (in the future) or currently possess an ineligible dog need to get AKC CGC certification?
No. CGC certification is not required in order to renew the policy.
We are pleased to announce that, effective June 22, 2004, new business customers owning one of the previously ineligible breeds
will be accepted, provided the animal has successfully completed the Canine Good Citizen.program (CGC), which is supported by
the American Kennel Club (AKC). The CGC Program is certification process that stresses responsible pet ownership for owners
and basic good manners for dogs. Animals with a bite history, as well as trained attack or guard dogs, will remain ineligible.
What will it look like and what do I need to do?
In order for new business to be eligible, the dog will need to have completed the CGC program, which is a certification program
designed to reward dogs who have good manners at home and in the community. At the time of binding, eligible customers will be
required to produce the certificate that is issued by the American Kennel Club upon passing the CGC program and evaluation. The
document must be submitted to the Service Center as a trailing document. If the certificate is not submitted, the policy will be
rejected.
Frequently Asked Questions
Q. Why is Nationwide changing its position on ineligible dogs?
Nationwide's new position allows policyholders to preserve coverage, while retaining the company's responsibility to adequately
price its products according to the risk each customer presents. Prospective Nationwide customers possessing a disqualified dog
must meet general underwriting guidelines and additionally demonstrate the dog's successful completion of the American Kennel
Club's Canine Good Citizen program.
Q. Will we write a new business customer that owns a Rottweiler?
Yes, provided that the customer can produce, at the time of binding, a certificate validating that the Rottweiler and the dog owner
have successfully completed the American Kennel Club's Canine Good Citizen certificatio program.
Q. A prospective customer's Doberman has gone to obedience training and received a certificate of completion from the local
Humane Society. Is that acceptable documentation?
No. The only documentation that is acceptable is certification from the American Kennel Club's Canine Good Citizen Program,
which must be submitted to the service center at the time of binding.
Q. Is a letter from the veterinarian assessing the dog's temperament sufficient?
No. The Canine Good Citizen certificate is the only acceptable proof of completion. Canine Good Citizen is a two-part program that
stresses responsible pet ownership and appropriate training for the dog.
Q. The customer's Pit Bull is just enrolled in the Canine Good Citizen Program with a trainer certified by the AKC. Can I bind the
business?
No. The owner must demonstrate that the dog has successfully completed the Canine Good Citizen program to bind coverage. The
certificate must be presented by the customer and submitted to the service center as a trailing document.
Q. Do existing policyholders that acquire (in the future) or currently possess an ineligible dog need to get AKC CGC certification?
No. CGC certification is not required in order to renew the policy.
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