Some pet insurance policies include ‘Third Party Liability’, which can cover dog owners for claims like these.
In some circumstances, the dog owner may have household insurance which covers them for ‘public liability’ if they have caused an accident resulting in an injury to the member of the public (including dog bites/attacks)
If our investigations show that the owner is not insured, then it is more difficult to pursue a claim. You can make a claim against an individual, but we’d only recommend this if you know the person would have the financial means to pay anything the court might order them to.
In some limited circumstances, if you have your own home insurance, you may be covered by what is known as a ‘reverse indemnity clause’, so that if you claim against an individual who does not have the financial means to pay, you can claim via your own household insurers and your insurance would pay the damages.
If the dog attack is reported to and investigated by the police, and is deemed to be an intentional crime of violence, then you can make a claim via the Criminal Injuries Compensation Authority.