Best Pet Insurance For Australian Shepherds: Guide & Review

Australian Shepherd Pet Insurance

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This is the most comprehensive guide to finding the best pet insurance for Australian Shepherds.

Looking for the best pet insurance for your Australian Shepherd can be daunting. But don’t worry, we walk you through everything you need to know about pet insurance for Aussie dogs.

We start with the basics. From how much it costs, benefits to breed-specific health conditions, side-by-side plan comparison and more.

Because not all policies are created equal, and some will be more expensive than others, it’s important to do the research. Luckilywe’veedon’tt that for you here. Let’s get started!

The Best Pet Insurance Companies For Australian Shepherds

Here are CanineBible’s top 3 picks for the best pet insurance for Australian Shepherds.

healthy paws pet insurance
Top Pick

Best Overall

embrace pet insurance
Top Pick

Curable Pre-Existing Conditions

pets best pet insurance
Top Pick

Best Value

You can click this link to go straight to the reviews, but we encourage you to keep reading to make a more informed decision about getting pet insurance for your Australian Shepherd.

  1. Healthy Paws: Best overall pet insurance for your Australian Shepherd.
  2. Embrace Pet Insurance: Great for curable pre-existing conditions.
  3. Pets Best: Best value for your wallet.

What Is Pet Insurance?

Getting pet insurance for your Australian Shepherd dog is equivalent to getting health insurance for yourself. Pet Insurance is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving peace of mind and protecting your savings.

How Much Does Pet Insurance Cost For Australian Shepherds?

Australian Shepherd’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Keep in mind rising vet costs due to advances in technology and an increasing number of claims in the location where you live can make your monthly payment increase. For instance, if your Australian Shepherd is quoted at $50 per month today, that price is subject to change.

We compared quotes for plans for Australian Shepherds with three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage.

We chose three Australian Shepherds at different stages in their life. An adult Australian Shepherd (5 years old), a young Australian Shepherd (1-year-old), and a puppy Australian Shepherd (3 months old).


Check out this pet insurance price comparison table for Australian Shepherds.

Pet Insurance Quotes For Australian Shepherds

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50080%Unlimited$42.65Denver
(zip code: 80014)
MaleAustralian Shepherd5 years
Embrace$50080%$30,000$98.04Denver
(zip code: 80014)
MaleAustralian Shepherd5 years
Pets Best$50080%Unlimited$32.13Denver
(zip code: 80014)
MaleAustralian Shepherd5 years
Healthy Paws$50090%Unlimited$42.76Sacramento
(zip code: 94203)
FemaleAustralian Shepherd1 year
Embrace$50090%$30,000$41.44Sacramento
(zip code: 94203)
FemaleAustralian Shepherd1 year
Pets Best$50090%Unlimited$31.96Sacramento
(zip code: 94203)
FemaleAustralian Shepherd1 year
Healthy Paws$50070%Unlimited$27.82Miami
(zip code: 33126)
FemaleAustralian Shepherd3 months
Embrace$50070%$30,000$36.59Miami
(zip code: 33126)
FemaleAustralian Shepherd3 months
Pets Best$50070%Unlimited$22.92Miami
(zip code: 33126)
FemaleAustralian Shepherd3 months

So, how much are you expected to pay for canine insurance for your Australian Shepherd?

If you get Pet Insurance for your Australian Shepherd, you can expect to pay between $23 to $98 per month. Depending on where you live, what deductible, and the reimbursement percentage you choose, you may spend more or less.

NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from February 2022.

Is Pet insurance For Australian Shepherds Worth it?

The reason you need pet insurance is simple: vet bills can add up quickly! A single visit to the vet can easily cost hundreds of dollars, and if your dog needs surgery or chronic medication, the costs can be devastating to your finances and the life of your dog. With the right pet insurance in place, you can breathe easy knowing your furry friend is covered with regular vet visits or in case of an emergency.

It’s a good idea to have Australian Shepherd insurance to protect your dog and your finances in case of an accident. Depending on your insurance plan, you will be reimbursed 70-90% of your vet bill.

Here are three main reasons you should consider getting pet insurance for your Australian Shepherd.

1. Avoid Deciding Between Your Wallet & Your Australian Shepherd

In recent years, increasing numbers of dog owners have had to euthanize their pups because they could not afford surgery or treatment.1

With pet insurance, you are to seek out medical care for your sick or injured Australian Shepherds without worrying about financial difficulties.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Australian Shepherd, like Cushing’s Disease, can cost $3,000 to $10,000 to diagnose and treat.2

2. Accidents

According to the American Pet Products Association, nearly 70% of U.S. households own pets, and 1 in 3 will require emergency veterinary treatment every year.

So, how does that translate to Australian Shepherds numbers?

According to the latest survey, there are roughly 90 million dogs in the U.S.3 So, unfortunately, 33% (1 in 3) of the Australian Shepherds population may need emergency care.

This could lead to massive vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Health Issues For Australian Shepherds

Still not sure you need Pet Insurance for your Aussie dog?

The following table depicts the most common health conditions Australian Shepherds are likely to develop. We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay. This may change your mind about pet insurance after reading it.

ConditionRiskCost to Diagnose and Treat
Hip DysplasiaMedium$1500 - $6000
Elbow DysplasiaMedium$1500 - $4000
Cushing's DiseaseMedium$3000 - $10000
Optic Nerve ColobomasHigh$100 - $300
EpilepsyMedium$200 - $5000
Heart DiseaseMedium$500 - $1100
Chronic AllergiesHighVaries
HypothyroidismHigh$300 - $800 first year, $700 each additional year
Drug Sensitivity (Medicine Sensitivity)MediumVaries
DeafnessLow$150 - $700
Skin DiseaseHigh$500 - $2500
Osteochondrosis DissecansMedium$2000 - $4000
CataractsLow$2700 - $4000
CancerMedium$8000 - $15000

Data Source: Embrace, Walwalking & PetMD.

Other Reasons To Get Dog Insurance For Your Australian Shepherd

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

PRO TIP: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Australian Shepherd insurance can prevent a lot of financial hardship for you. A dog’s chronic health issues, emergencies, and frequent vet visits can rack up costs throughout his lifetime. 


Best Pet Insurance For Australian Shepherds

Meet CanineBible’ss top picks for the best pet insurance for Australian Shepherds.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose the right company and coverage for your Australian Shepherd.


Healthy Paws (Best Overall)

Why is Healthy Paws a good choice for your Australian Shepherd?

When you file a claim under a Healthy Paws insurance plan, there are no caps on payouts. 

A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for a healthy Australian Shepherd at a $500 deductible, with 70%-90% coverage. Depending on your location and pet’s age and other factors, you can expect to pay between $28 and $43.

With Healthy Paws, you can start protecting your Australian Shepherd at just 8-weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.


PROS
  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make
CONS
  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fee and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Embrace Pet Insurance Review (Great For Curable Pre-Existing Conditions)

If your Australian Shepherd suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice!

Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptom and are treatment-free.

If you sign up with Embrace, based on our research, you can expect to pay between $37 and $98, but prices may vary depending on your location, Australian Shepherd’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Australian Shepherd gets hurt unexpectedly. They can also cover Elbow Dysplasia treatment, which Australian Shepherds are prone to, as long as they were diagnosed after coverage.

Claims are addressed fairly quickly (averages 10 to 15 business days), and centers for after-hour treatment are included in emergency care coverage. 

Also, your Australian Shepherd’s annual deductible goes down $50 each year you don’t receive an accident or illness claim reimbursement.


PROS
  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet
CONS
  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards not available in Rhode Island.


Pets Best Review (Best Value)

Pets Best offers excellent pet insurance coverage for your Australian Shepherd, but that’s also affordable.

To estimate your monthly premium, we ran a few quotes for a healthy Australian Shepherd at a $xxx deductible and a 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $23 and $32, depending on your location, pet’s age, gender, and other factors.

This company has no upper age limit so that you can enroll your aging Australian Shepherd in a plan no matter their age. Keep in mind that rates go up depending on your pet’s age.

Their plans cover emergencies, cancer, illnesses, and other situations your senior dog may encounter. It even includes access to a 24/7 Pet Helpline so you can speak with a veterinarian any time.

It typically has a reasonable claim repayment time of 2 days if you have a direct deposit. If you don’t, it will take between 5-7 days.


PROS
  • Most affordable coverage pricing
  • BBB Rating: A+
  • 24/7 Pet Helpline to speak with a vet expert
  • Pet travel is covered in the U.S., Canada, and Puerto Rico
  • 30-day money-back guarantee
  • Routine care coverage
  • 5% multi-pet discount
  • No age limits
  • Accident and illness exam fee coverage
CONS
  • 14-day waiting period for illness and 3 days for Accident
  • Premiums increase as pet ages
  • 6-month waiting period for CCL injuries
  • Average claim repayment is longer than the competition

Average Cost of Australian Shepherds Vet Bills (Healthy Vet Visit vs Emergencies)

Aside from treatment costs for specific health conditions, here is a general overview of the average price for common regular vet visits and emergency visits. Without pet insurance, you should expect to pay similar amounts for either type of visit.

Healthy Vet Visits

  • Puppy vaccinations: $75-100
  • Flea & tick prevention: $40-200
  • Heartworm prevention: $24-120
  • Spay or neuter surgery: $200-800
  • Annual exam: $240-600
  • Teeth cleaning: $200-500
  • Microchip: $40

Emergency Vet Visits

  • General consultation/exam: $100-$150
  • General bloodwork: $80-200
  • X-rays: $150-$250
  • Ultrasound: $300-$600
  • 1-2 day hospitalization: $600-$1,700
  • 3-5 day hospitalization: $1,500-$3,500
  • Wound treatment & repair: $800-$1,500
  • Emergency surgery: $800-$2,500
  • Oxygen therapy: $500

Sources: Emergency Vets USA & Rover

Pet Insurance For Australian Shepherds Puppy

Do you need to insure your Australian Shepherd puppy? Here are the top reasons why you should get Australian Shepherd puppy insurance.

  • Lower Premiums. The cost of insuring younger pets is lower than that of older ones. Due to the fact that pet insurance rates are based on age, breed, and location, puppies will have a lower premium.
  • Covering Future Conditions. If you know your dog breed is presdisposed to certain health issues, it’s best to insure your puppy before he shoes shows any symptoms or is diagnosed with an illness or issue. Most pet insurance provides won’t cover pre-existing conditions. However, if your puppy develops one (i.e. cancer, allergies, diabetis) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Australian Shepherds puppies will eat, chew and lick pretty much anything. They are more prone to suffer from accidents and bacteria, virus infection.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with rasing a puppy. From toys, food to vet-related expenses. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy. While, the upfront costs for first-year pet ownership typically cost over $1,000 says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Australian Shepherd was hit by a car.

Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

You can sign up for 1 or 2 (or both), but this will mostly depend on your Australian Shepherd’s needs and finances. Most pet insurance companies nowadays offer a single plan that includes accident and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

Take a look at the table below to see the most common items covered by each type of pet insurance plan.


Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
PoisoningHypothyroidism
De-worming
InjuriesDigestive Issues
teeth cleaning
EmergenciesIVDD
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

*i. Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

Pet insurance doesn’t cover it all!

Before selecting pet insurance for your Aussie, you should carefully review the different plans to determine what is and isn’t covered.

Most pet insurance policies exclude the following:

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Boarding and transportation

This exclusion will vary depending on which pet insurance company and plan you choose.

Pro Tip: Please always READ your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Australian Shepherd is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Australian Shepherd?

Here are eight tips to help you choose the best pet insurance policy for your Australian Shepherd.

  1. Compare the coverage under each plan with your Australian Shepherd’s specific health concerns.
  2. Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Australian Shepherds health issues).
  3. Speak with your veterinarian about your dog’s aging health concerns.
  4. Pick a plan based on the right cost and coverage benefits, not price alone.
  5. Obtain at least three quotes based on the information you provide about your Australian Shepherd’s age, health, gender, and needs.
  6. The earlier you sign your Australian Shepherd for pet insurance, typically means lower the monthly premiums 
  7. Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  8. Narrow down your choices with our recommended top 3 providers.

Should I Get Australian Shepherd Pet Insurance?

If you’re considering adding an Australian Shepherd to your family or already have one, consider the cost of potential health issues and pet insurance.

It is also crucial to have pet insurance if your dog becomes ill or injured, as the cost of treatment can be expensive. By doing your research and comparing providers, you can find a policy that fits your budget and provides coverage for the medical expenses you may incur.

The best way to find out if pet insurance is right for you and your Aussie is to shop around and compare policies. Ask questions of the insurers until you understand precisely what is covered and what isn’t.


Resources & References: [1] USA Today, [2] Value Penguin, [3] Washington Post

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