Best Pet Insurance For Border Collies 2024
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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.
Why you should trust us: Our writers, editors, and in-house veterinarians spend hours analyzing and reviewing products and services to help find what’s best for you. Read the product review methodology and editorial mission to find out how we test, analyze, and rate.
Best Border Collie Pet Insurance — At A Glance
Best Overall
Best Personalized
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
What Is Border Collie Pet Insurance: Pet insurance is a healthcare policy that provides coverage for your pet, offering reimbursement for specific veterinary expenses. This ensures that your savings remain secure despite unforeseen medical costs. Such a policy involves a monthly premium. Should your pet fall ill or sustain an injury, you would file a claim with the insurance company to recoup your expenses.
The monthly premium for Border Collie pet insurance
$27 to $50
How Much Does Pet Insurance Cost For Border Collies?
The cost of pet insurance for a Border Collie dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s important to remember that with the progression of veterinary technology and increased claims within your locality, your insurance premiums may rise. For example, even if your Border Collie is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Border Collies can range from $27 to $50. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Border Collie owners can expect to pay an average $37 monthly premium.
Pet Insurance Quotes For Border Collies
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Border Collies.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $38.37 | SC, 29044 | Male | Border Collie | 6 years |
| Spot | $500 | 70% | Unlimited | $41.05 | SC, 29044 | Male | Border Collie | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $32.97 | SC, 29044 | Male | Border Collie | 6 years |
| Lemonade | $500 | 70% | $100,000 | $33.69 | CA, 95842 | Female | Border Collie | 2 year |
| Spot | $500 | 70% | Unlimited | $50.40 | CA, 95842 | Female | Border Collie | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $26.94 | CA, 95842 | Female | Border Collie | 2 year |
| Lemonade | $500 | 70% | $100,000 | $34.09 | TX, 75219 | Female | Border Collie | 6 months |
| Spot | $500 | 70% | Unlimited | $44.41 | TX, 75219 | Female | Border Collie | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $29.25 | TX, 75219 | Female | Border Collie | 6 months |
Border Collie puppy monthly cost: $36
Adult Border Collie monthly cost: $37
Senior Border Collie monthly cost: $37
Is Pet Insurance For Border Collie Worth it?
The decision to purchase pet insurance for your Border Collie hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Border Collie falls seriously ill or suffers an injury from an accident, incurring veterinary bills in the thousands. On average, the most common dog treatments cost $254.[1] A more severe and common condition in Border Collies, like Hip Dysplasia, can cost between $1,500 and $6,000 to diagnose and treat. Can you pay for an unexpected $6,000 veterinary bill out-of-pocket? Most people can’t. The Federal Reserve states that 40% of Americans don’t have enough savings to cover a $400 emergency and 57% of U.S. adults cannot afford a $1,000 emergency expense.[2]
Investing in pet insurance for your Border Collie is a wise choice to protect your finances and ensure your dog can receive the necessary care. With pet insurance, should an unexpected accident or illness occur, you could be reimbursed for 70% to 100% of the veterinary costs, depending on the details of your plan and provider. Pet insurance gives peace of mind, knowing your finances and pet’s health are covered.
Predict & Protect Your Border Collie’s Future Health
Canine Bible uses years of clinical health findings, pet insurance data points, trends, and surveys to identify common health conditions in dogs. By gaining insight into your Border Collie’s potential future health issues and risks, you can take preventive action today and ensure that your Border Collie does not become a part of these statistics.
1 in 3
dogs will need emergency veterinary treatment every year.
$250 to $8K
is the average cost of unexpected veterinary care for dogs.[3]
5 – 10%
Border Collies are affected by Border Collie collapse (BCC).[4]
55 to 70%
Border Collies are affected by MDR1 (susceptible to medicine).[5]
If you know your dog’s breed is predisposed to certain health issues, we strongly advise getting a pet insurance policy while your dog is still healthy. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Border Collie’s life. Pet Insurance can spare you a lot of financial trouble.
Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life.How Pet Insurance Helps With Border Collie Health Conditions
Cost to treat hip dysplasia
Hip dysplasia involves abnormal development of the hip joint, leading to looseness and instability. This genetic disorder is exacerbated by rapid growth, obesity, and environmental factors. Symptoms include limping, difficulty in movement, and arthritis.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat follicular dysplasia
Follicular dysplasia in dogs typically manifests as abnormal hair growth or hair loss, often with a change in hair texture. It’s usually a genetic condition, that leads to defective hair follicles. Symptoms often appear early in the dog’s life.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat progressive retinal atrophy
Progressive Retinal Atrophy in dogs is a genetic disorder leading to the gradual deterioration of the retina, resulting in vision loss and potentially blindness. Early signs include night blindness and dilated pupils. There’s no cure, but affected dogs often adapt well to their limited vision in a safe, consistent environment.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat multi-drug resistance
Due to a specific gene mutation, affected Border Collies cannot effectively pump certain drugs out of the brain, leading to increased sensitivity and potential toxicity from standard doses of certain medications.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat glaucoma
Glaucoma in dogs is a condition where increased pressure within the eye leads to damage to the optic nerve, causing pain and potential blindness. It can be hereditary or secondary to other eye conditions. Early detection and treatment, which may include medication or surgery, are critical to prevent vision loss.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat osteochondritis dissecans
In Border Collies, abnormal growth of cartilage and bone can lead to joint pain and stiffness. This condition, often seen in rapidly growing dogs, results from disrupted blood supply to the bone beneath the cartilage.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat patent ductus arteriosus
This congenital heart defect occurs when a fetal blood vessel fails to close after birth, leading to abnormal circulation. Affected Border Collies may experience heart failure or reduced exercise tolerance.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat collie eye anomaly
This genetic disorder affects the eyes, causing changes in the choroid, sclera, and retina. It can lead to vision problems or blindness in severe cases.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat optic nerve coloboma
This eye defect, present at birth, involves a gap in the optic nerve. It can range from mild to severe, potentially affecting vision and leading to blindness in some cases.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Why Get Pet Insurance For Border Collies?
Benefits For Border Collies
Benefits For Owners
How to Pick The Best Border Collie Pet Insurance
Best Pet Insurance For Border Collies
1. Best Overall Border Collie Pet Insurance
Lemonade
Who It’s For: Excellent for Border Collie parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.
Why we picked and recommended it: We named Lemonade our best overall pet insurance for Border Collies for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums usually start at just $10 monthly, the lowest in the industry. We ran a few quotes for a healthy Border Collie at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $33 and $38 monthly. 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.
2. Best Personalized Border Collie Pet Insurance
Spot Insurance
Who It’s For: Spot Pet Insurance is ideal for Border Collie dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.
Why we picked and recommended it: Spot Pet Insurance 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 upfront before your plan starts paying. With so many customization options, this company is 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. We ran a few quotes for a healthy Border Collie at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $41 and $50, 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 and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Border Collie Pet Insurance
Healthy Paws
Who It’s For: With no financial cap, it’s ideal for covering major medical or ongoing expenses such as chronic conditions. Beneficial for high-risk breeds such as Border Collie.
Why we picked and recommended it: Healthy Paws offers the benefit of no cap payout, meaning there’s no maximum limit on the amount they will pay, which is particularly advantageous for severe conditions or chronic diseases that require ongoing, expensive treatments. With no financial cap, you can choose the best treatments for your pet. This can include access to advanced medical procedures, specialized surgeries, or cutting-edge treatments that might otherwise be prohibitively expensive. Additionally, Healthy Paws stands out for its quick claim processing, typically paying 99% of claims in two days, notably faster than many competitors. 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 $26 and $33. Healthy Paws insurance plans cover accidents and illnesses, cancer, emergency care, genetic conditions, alternative care, etc. They have competitive premium prices and fewer coverage exclusions.
Types of Pet Insurance Coverage For Border Collies
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Border Collie, reviewing and understanding your policy’s exclusions is important.
Exclusions vary based on the pet insurance company and the policy you choose. Be sure to review the list of exclusions before purchasing pet insurance to confirm that your Border Collie is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Border Collie Puppies
Should you get pet insurance for your Border Collie puppy? Here are the top reasons you should consider Border Collie puppy insurance.
Average Cost of Border Collie Vet Bills
This is what you will pay out-of-pocket on average if you don’t have pet insurance or a wellness plan.
Average Cost of Typical Vet Procedures
| Typical Vet Procedure | Average Cost of Procedure |
|---|---|
| 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 |
Average Cost of Emergency Vet Procedures
| Typical Vet Procedure | Average Cost Of Procedure |
|---|---|
| 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 days holspitalization | $1,500 - $3,500 |
| Wound treatment & repair | $800 - $1,500 |
| Emergency surgery | $800 - $2,500 |
| Oxygen therapy | 500 |
Sources: 5 & 6
Factors That Impact the Cost of Your Border Collie Pet Insurance Policy
Deductibles, co-pays & coverage limits
The lower the amount you pay out of pocket for your pet’s care, the higher your insurance premium will be. For instance, selecting a deductible of $300 instead of $800 means you’ll get reimbursed quicker for your pet’s care, but it also leads to higher premium payments.
Breed
Certain breeds are prone to congenital health issues. For example, breeds such as Border Collies often struggle with Cancer and bloat. These breed tendencies could influence your pet insurance expenses.
Location
Local veterinary care expenses are taken into account by pet insurance companies when setting the price of your policy.
Pet’s Age
Older pets generally face more health problems, which results in higher insurance premiums because there is a higher risk for the insurance company.
Understand Insurance Policy Basics
How Does Border Collie Pet Insurance Work?
Imagine your Border Collie’s pet insurance policy has the following terms:
Now, let’s say your Border Collie incurs a veterinary bill of $2,000 for medical treatment.
This example assumes you haven’t yet met your deductible for the year. If you’ve already met your annual deductible, you won’t have to pay again for this or any new claims within the same policy year. And, since every claim you make contributes to your annual payout limit after the insurance company pays $1,400 for this claim, the remaining yearly payout limit is $15,000 – $1,400= $13,600.
Frequently Asked Question
Border Collie Pet Insurance — Conclusion
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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Disclaimer: The details about insurance company offerings, including prices, availability, and contract specifics, can change at any time and are at the discretion of the insurance company. This website does not control these changes. The information provided here is for reference only. It is important to thoroughly read and understand your policy before signing up for a new insurance contract, as your situation may differ from the examples used in this article.
Sources
Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process and product review methodology to learn more about how we fact-check, test products, and keep our content accurate, reliable, and trustworthy.
- Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
- Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
- Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
- AKC Canine Health Foundation | Genetic Basis of Exercise-Induced Collapse in Border Collie Related Breeds. (n.d.). Akcchf.org.
- Collie Health Foundation. (2023, August 12). MDR1.
- Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
- Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
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