Who insures their dog?

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Maybe the difference could be that pedigree (= registered) Labrador would have to have been bred according to the health program for the breed, such as parents with good HD result etc. But with a Labrador X the insurance company presumes the parent have not fulfilled the breed requirement (bad HD score) or haven't been checked?
from Sweden.
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But my KC reg Lab her parents did not have hip scores done! So throws that theory out! Though I did have her done last year.
 
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