Best Pet Insurance For Collies
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Pet insurance protects pet owners by ensuring that their furry companions receive the necessary care for illness or injury. Choosing the best pet insurance for your Collie can be difficult with so many options. The article provides a concise overview of the best Collies pet insurance options, considering factors such as coverage options, pricing, and customer reviews. By selecting the appropriate insurance, you can ensure that your Collie receives the care they require without financial stress.
Best Collies Pet Insurance — At A Glance
Best Overall
Best Personalized
Spot
Offers the most
customizable plans for your budget
and specific needs of your Collie.
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
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.
What Is Collie Pet Insurance?
Pet insurance is a healthcare policy that provides coverage for your pet and reimburses 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.
How Much Does Pet Insurance Cost For Collies?
The cost of pet insurance for a 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 Collie is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Collies can range from $37 to $55. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Collie owners can expect to pay an average $47 monthly premium.
The monthly premium for Collies pet insurance
$37 to $55
Pet Insurance Quotes For Collies
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Collies.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $49.28 | SC, 29044 | Male | Collie | 6 years |
| Spot | $500 | 70% | Unlimited | $48.79 | SC, 29044 | Male | Collie | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $50.08 | SC, 29044 | Male | Collie | 6 years |
| Lemonade | $500 | 70% | $100,000 | $40.77 | CA, 95842 | Female | Collie | 2 year |
| Spot | $500 | 70% | Unlimited | $55.16 | CA, 95842 | Female | Collie | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $40.92 | CA, 95842 | Female | Collie | 2 year |
| Lemonade | $500 | 70% | $100,000 | $36.83 | TX, 75219 | Female | Collie | 6 months |
| Spot | $500 | 70% | Unlimited | $52.78 | TX, 75219 | Female | Collie | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $44.41 | TX, 75219 | Female | Collie | 6 months |
Collie puppy monthly cost: $45
Adult Collie monthly cost: $46
Senior Collie monthly cost: $49
Is Pet Insurance For Collies Worth it?
The decision to purchase pet insurance for your 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 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 Collies, like Gastric Dilatation Volvulus, can cost between $1,500 and $7,500 to diagnose and treat. Can you pay for an unexpected $7,500 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 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 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 Collie’s potential future health issues and risks, you can take preventive action today and ensure that your 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]
80% to 90
of Collie dogs
experience Collie Eye Anomaly.[4]
3 out of 4
Collies have the mutant multidrug resistance mutation gene (MDR1).[5]
Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life. 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 Collie’s life. Pet Insurance can spare you a lot of financial trouble.
How Pet Insurance Helps With Common Health Conditions In Collies
Cost to treat bloat
Bloat, also known as gastric dilatation-volvulus, is a rapid stomach expansion with gas and often a twist that obstructs blood flow. It’s a life-threatening emergency that causes distress, drooling, and a swollen belly.
*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 exocrine pancreatic insufficiency (EPI)
(EPI) is a condition characterized by the inability of the pancreas to produce sufficient digestive enzymes. These enzymes are essential for breaking down food in the small intestine so that the body can absorb nutrients. In Border Collies, as in other dog breeds, EPI can lead to malnutrition, weight loss, diarrhea, and other digestive problems.
*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 degenerative myelopathy
This progressive disease of the spinal cord typically appears in older dogs. It results in weakness and paralysis in the hind limbs, eventually leading to full paralysis. The cause is a genetic mutation, and while there’s no cure, supportive care can help manage symptoms and maintain quality of 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 lupus erythematosus
Lupus erythematosus is a complex autoimmune disease that can affect dogs, including Border Collies. There are two primary types of lupus: systemic lupus erythematosus (SLE) and discoid lupus erythematosus (DLE).
*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.
Cost to treat pemphigus
Pemphigus is a group of autoimmune skin diseases characterized by blisters and erosions on the skin and mucous membranes. The dog’s immune system mistakenly attacks its own skin cells, leading to lesions. Various forms of pemphigus exist, each with slightly different symptoms and affected areas.
*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 hip dysplasia
Hip dysplasia involves abnormal hip joint development, 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 epilepsy
Epilepsy in Collies is a neurological condition characterized by recurrent seizures, which can range from mild, barely noticeable episodes to severe convulsions. The cause is often genetic, making it a hereditary issue within the breed. Managing epilepsy typically involves long-term medication to control seizures and regular veterinary monitoring.
*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 Collies?
Here is how pet insurance can benefit Collie pet owners and their pets.
Benefits For Collies
- Access to better care and health outcomes due to financial barriers removed
- Cover hereditary conditions and get better breed-specific care
- Prompt access to medical treatments
- Ongoing access to healthcare and emergency care
- Preventive care options
- Facilitates treatment from specialists
Benefits For Owners
- Decreases the likelihood of economic euthanasia when the cost is a limiting factor for treatment
- Reduces unexpected veterinary costs
- Financial peace of mind
- Cover third-party liabilities
- Avoid veterinary rising cost
- Can help you find your missing/stolen pet
How to Pick The Best Collies Pet Insurance
Best Pet Insurance For Collies
1. Best Overall Collie Pet Insurance
Lemonade
Who It’s For: Excellent for Collie parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.
Deductible: $100, $250, $500 or $750
Reimbursement rates: 70%, 80% or 90%
Annual payout limit: $5K, $10K, $20K, $50K or $100K
Why we recommended it: We named Lemonade our best overall pet insurance for 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 Collie at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $37 and $49 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 Collie Pet Insurance
Spot Insurance
Who It’s For: Spot Pet Insurance is ideal for Collie dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.
Deductible: $100, $250, $500, $750 or $1,000
Reimbursement rates: 70%, 80% or 90%
Annual payout limit: $2,500 to Unlimited
Why we 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 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 Collie at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $49 and $55, but prices may vary depending on your location, Collie’s age, and other factors. Spot covers you when your Collie gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout 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 Collie.
Deductible: $100, $250 or $500
Reimbursement rates: 70%, 80% or 90%
Annual payout limit: Unlimited
Why we 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 Collie at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $41 and $50. 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 Collies
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your 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 Collie is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Collie Puppies
Here are the top reasons you should consider Collie puppy insurance.
Average Cost of Collies 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 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 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 Collie Pet Insurance Work?
Imagine your Collie’s pet insurance policy has the following terms:
Now, let’s say your 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 $1,530 for this claim, the remaining yearly payout limit is $20,000 – $1,530 = $18,470.
Frequently Asked Question
Conclusion
In conclusion, pet insurance is a crucial factor for Collie owners as it provides security and financial protection in the event of unforeseen medical costs. It is choosing whether or not to get Collie insurance is a personal choice that ultimately depends on your unique situation and priorities. To get the ideal insurance for your pet friend, it is essential to research different insurance alternatives, and compare cover, prices, and customer reviews. No matter what life throws at you, having the appropriate insurance will guarantee that your Collie will get the care they need.
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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.
- Palánová, Anna. (2015). Collie eye anomaly: A review. Veterinarni Medicina.
- Program in Individualized Medicine. (2021, October 19). Dog breeds commonly affected by MDR1 mutation. Washington State University.
- 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.
Dr. Sandra Tashkovska, our esteemed Senior In-House Veterinarian, is passionately committed to sharing her extensive knowledge and experience with our readers, aiming to assist with any issues concerning your non-human family members. A staunch advocate for animal welfare and preventive medicine, she specializes in companion animals, dedicating much of her time to these furry friends. Despite spending two days a week at a local veterinary practice, she aspires to make a broader impact by disseminating crucial information gleaned from her consultations and academic research through her writing.
In addition to her veterinary role, Dr. Tashkovska holds the position of Financial Manager and maintains active membership in the International Veterinary Students' Association (IVSA). Her unwavering commitment to her field and international collaboration shines through her active participation in Erasmus+ and CEEPUS projects, and her volunteer work in Erasmus training courses and Youth exchanges.
Her educational journey is both extensive and diverse. Dr. Tashkovska earned her Masters in Veterinary Medicine from the renowned Ss. Cyril and Methodius University in Skopje, Faculty of Veterinary Medicine, and furthered her education at Summer Schools in Sarajevo and Vienna, where she explored vital topics such as Animal Welfare, Veterinary Ethics and Law, and Communication Skills.
Her pursuit of excellence doesn’t end there. Dr. Tashkovska has actively engaged in numerous prestigious events and training, including the International Veterinary Medicine Student Scientific Research Congresses in Istanbul, the Congress of Veterinarians in Small Practice in Zagreb, and the Eastern European Regional Veterinary Conference, among others. These cumulative experiences continuously augment her professional insight, solidifying her position at the forefront of veterinary medicine.
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