The smaller insurance companies may be laughing now, as people switch to them because they are angry with Allstate, but what happens in a year or two when these smaller companies have had to make all the payouts for those 460,000 per year canadian dog bites? Imagine how angry the non-dog policy holders will be to see their policy rates go through the roof.

My guess is that all insurance companies will eventually be forced to follow Allstate's lead.
And Allstate is not the only large insurance company to do this. HSBC Canadian Direct has a similar policy, and will refuse coverage to people with certain dog breeds too.

The only way I can see a reversal to this trend in the insurance business, is for strict dog breeding controls to be implemented and enforced at the Municipal and Provincial levels of government.

The Surrey SPCA and the Calgary Humane Society have both publicly spoken out against Allstate's new policy, and are pointing the finger in advance to blame Allstate for any power breed overflow of dogs they may see in their shelter systems with the new insurance rules in place.

But if these organizations had been focusing on their real mandates all of these years, and had lobbied for breeding controls which they would help enforce,instead of operating as municipal pounds and dumping grounds for owner surrenders, there wouldn't be a problem in the first place.