The price of pet insurance in the U.K. and throughout Europe is often determined by the gender of the animal. According to Pelzartige Freunddecke, an Austrian pet insurance company, the industry bases its price structure on the fact that the University of Texas Health Science Center in San Antonio’s research into the lifespan of dogs indicated that females live longer. Therefore, an insurance company takes on a greater risk when they offer a policy to the owner of a female animal, and the annual premium reflects this.
An Austrian man believes that pricing pet insurance policies differently due to the gender of the animal is a violation of the Gender Directive, and he has filed a case against Pelzartige Freunddecke. It will be interesting to see if the European Court of Justice applies the Gender Directive ban that makes it illegal to give different price points on automobile insurance based on gender to animals. Unfortunately, it is likely to be at least 18 months before a decision is made.