Best Pet Insurance For Border Collies: Cost, Quotes & Plans
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If you’re the proud parent of a Border Collie, you know just how high-energy and intelligent these dogs can be. And while they are certainly a joy to own, they also come with unique health concerns you’ll want to be prepared for. One of the best ways to do that is by getting pet insurance for your Border Collie. But what’s the best policy for your furry friend? Keep reading everything you need about Border Collie pet insurance, including quotes and FAQs.
- Top Picks Insurance
- What Is Pet Insurance?
- How Much Will I Pay?
- Is Border Collie Pet Insurance Worth It?
- Best Border Collie Pet Insurance Reviews
- Average Cost of Healthy Vet Visits & Emergencies
- Pet Insurance For Border Collie Puppy
- Pet Insurance Types
- What Is Not Covered
- How to Pick Pet Insurance
- Should I Get Border Collie Pet Insurance?
The Best Pet Insurance Companies For Border Collies
Here are Canine Bible’s top 4 picks for the best pet insurance for Border Collies.
Best Pre-Existing Conditions
You can click this link to go to the reviews, but we encourage you to keep reading to make a more educated decision about getting pet insurance for your Border Collie.
What Is Pet Insurance?
Getting pet insurance for your Border Collie 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 them peace of mind and protecting their savings.
How Much Does Pet Insurance Cost For Border Collie?
Border Collies’ 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 technological advances and an increasing number of claims in your location, which can increase your monthly payment. For instance, if your Border Collie is quoted at $45 per month today, that price is subject to change.
We compared quotes for plans for Border Collie 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 Border Collies at different stages in their life.
Check out our Pet Insurance Comparison table for Border Collies below.
Pet Insurance Quotes For Border Collie
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Healthy Paws | $500 | 70% | Unlimited | $29.98 | Wausau (zip code: 54401) | Male | Border Collie | 5 years |
| Lemonade | $500 | 70% | $100,000 | $28.22 | Wausau (zip code: 54401) | Male | Border Collie | 5 years |
| Spot Pet Insurance | $500 | 70% | Unlimited | $48.68 | Wausau (zip code: 54401) | Male | Border Collie | 5 years |
| Healthy Paws | $500 | 80% | Unlimited | $31.59 | Orlando (zip code: 32801) | Female | Border Collie | 1 year |
| Lemonade | $500 | 80% | $100,000 | $27.29 | Orlando (zip code: 32801) | Female | Border Collie | 1 year |
| Spot Pet Insurance | $500 | 80% | Unlimited | $52.48 | Orlando (zip code: 32801) | Female | Border Collie | 1 year |
| Healthy Paws | $500 | 70% | Unlimited | $18.89 | Dayton (zip code: 45402) | Female | Border Collie | 3 months |
| Lemonade | $500 | 70% | $100,000 | $24.16 | Dayton (zip code: 45402) | Female | Border Collie | 3 months |
| Spot Pet Insurance | $500 | 70% | Unlimited | $46.15 | Dayton (zip code: 45402) | Female | Border Collie | 3 months |
How Much Can You Expect to Pay For Border Collie Canine Insurance?
If you get Pet Insurance for your Border Collie, you can expect to pay between $18 to $52 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 [enter current date]
Is Pet insurance For Border Collie Worth it?
Here are three main reasons you should consider getting pet insurance for your Border Collie.
1. Avoid Deciding Between Your Wallet And Your Border Collie
USA Today reports that many dog owners have made the terrible decision to euthanize their pups because they didn’t have the money to pay for surgery or treatment.[1]
Pet insurance allows you to seek medical care for your sick or injured Border Collie without worrying about hurting your finances.
On average, the most common dog treatments cost $252.75, while a more severe and common condition in Border Collie, like Hip Dysplasia, can cost between $1500 – $6000 to diagnose and treat.[2]
2. Pet Insurance For Border Collie Accidents
According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and it’s estimated that 1 in 3 will need emergency veterinary treatment every year. So, how does that translate to Border Collie numbers?
A recent survey found that roughly 90 million dogs live in the United States.[3] So, unfortunately, 33% (1 in 3) of Border Collies may need emergency care this year. 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.[4] Sadly, only 61 percent of Americans cannot cover a $1,000 emergency.[5]
A good pet insurance plan will cover most 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 Border Collies
The following table shows the most common health conditions Border Collie is likely to develop.
We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.
| Condition | Risk | Cost to Diagnose & Treat |
|---|---|---|
| Hip Dysplasia | High | $1,500 - $6,000 |
| Follicular Dysplasia | Medium | $200 - $500 |
| Progressive Retinal Atrophy (PRA) | Medium | $1500 - $2000 per eye |
| Osteochondritis Dissecans (OCD) | High | $2,000 and $4,000 per joint |
| Glaucoma | Medium | $1,400 one eye |
| Patent Ductus Arteriosus(POA) | Low | $2,500 - $5,000 |
| Collie Eye Anomaly (CEA) | High | $1000 per eye |
| Multi-Drug Resistance (MDR1) Gene Mutation | High | Depends on drug reaction |
| Optic Nerve Coloboma | High | $100 - $300 |
Other Reasons To Get Dog Insurance For Your Border Collie
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.
Pet Insurance for your Border Collie can spare you financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Border Collie’s life.
Best Pet Insurance For Border Collies
Here are Canine Bible’s top picks for the best pet insurance for Border Collies.
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 Border Collie.
Best Overall — Healthy Paws
We named Healthy Paws our best overall pet insurance for your Border Collie for its comprehensive coverage, pricing, availability, and customer service.
There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. 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 Border Collie at a $500 deductible, with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $18 and $31.
With Healthy Paws, you can start protecting your Border Collie at 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
Cons
Best Value — Lemonade Pet Insurance
Lemonade offers excellent pet insurance coverage for your Border Collie at the most affordable price. While your monthly premium cost will vary by location, pet’s age, gender, and other factors, Lemonade premiums usually start at just $10 a month, the lowest in the industry.
To estimate your monthly premium, we ran a few quotes for a healthy Border Collie at a $500 deductible and 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $24 and $28.
We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions, and more.
They also offer several add-ons to help pet owners pay for exam fees, physical therapy and preventive care costs.
Pros
Cons
Most Customizable Plans — Spot Insurance
Spot Pet Insurance is ideal for Border Collie dog owners who want a variety of ways to customize their policy. Spot offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Border Collie gets sick, you pay less money upfront before your plan starts paying. With so many customization options, this company it’s our top pick for finding a plan for meeting your specific financial needs and those of your pet.
Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage.
If you sign up with Spot Pet Insurance, based on our research, you can expect to pay between $46 and $52, but prices may vary depending on your location, Border Collie’s age, and other factors.
Spot covers you when your Border Collie gets hurt unexpectedly from tooth extractions to torn ligaments. They can also cover [health condition] treatment, which Border Collies are prone to, as long as they were diagnosed after coverage.
Pros
Cons
Great For Pre-Existing Conditions
If your Border Collie 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 symptoms and are treatment-free.
Border Collie Average Vet Bill Costs
Are you wondering how much you would have to pay out of pocket for regular vet visits and emergencies? Here is a breakdown of the average price for both.
If you don’t have insurance, you are likely to pay similar amounts for either type of visit.
Healthy Vet Visits
Emergency Vet Visits
Pet Insurance For Border Collie Puppy
Should you get pet insurance for your Border Collie puppy?
Here are the top reasons you should consider Border Collie puppy insurance.
Types of Pet Insurance Coverage
What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.
You can sign up for 1 or 2 (or both), but this will mostly depend on your Border Collie’s needs and finances. Most pet insurance companies nowadays offer a single plan that includes accidents 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.
The Most Common Items Covered Per Type of Pet Insurance
| Accident Coverage | Illness Coverage | Wellness Coverage |
|---|---|---|
| Broken bones | Obesity | Flea, tick and worm treatments |
| Torn ligaments | UTIs | Rabies |
| Bite wounds | Cancer | Microchip |
| Poisoning | Hypothyroidism | De-worming |
| Injuries | Digestive Issues | teeth cleaning |
| Emergencies | IVDD | Routine testing |
| Eye Injuries | Vomiting and diarrhea | Annual exams |
| Snake Bite | Arthritis | Spay and neuter |
| Toxin food ingestion | Parasites | Urinalysis (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!
When buying Pet Insurance for your Border Collie, you’ll need to carefully review the different plans to see what isn’t covered.
Most pet insurance policies exclude the following:
This exclusion will vary depending on your pet insurance company and plan.
Tip: Please always read your policy! Request the complete list of exclusions before getting pet insurance. This will ensure your Border Collie 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 Border Collie?
Here are eight tips to help you choose the best pet insurance policy for your Border Collie.
Should I Get Pet Insurance for my border collie?
Pet insurance is a personal decision based on many factors. Some people feel that pet insurance is worth it for its peace of mind, while others find that it doesn’t make financial sense. If you are considering getting pet insurance for your border collie, be sure to do your research and compare policies to find the best fit for your needs and budget. We highly recommend getting pet insurance as it’s the best way to cover your finances and your dog’s life when accidents happen.
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