When you purchase through links on our site, we may earn a commission. Here’s how it works.
Border Collies are known for their intelligence, agility, and obedience. They are fantastic family pets and have enormous amounts of love and affection to give. These herding champs are also major high-energy dogs requiring at least two hours of exercise daily.
Their seemingly endless energy levels make them susceptible to accidents and some secondary health issues if they don’t receive enough mental and physical activity. Without proper stimulation, they may develop anxiety and exhibit destructive behaviors, like chewing on everything around them.
Additionally, Borders are at risk for several genetic health problems, including congenital heart and liver issues, hip dysplasia, tears in the cranial cruciate ligament (CCL), eye disorders, epilepsy, and others. Considering these potential health challenges can be a source of concern when planning financially for your dog’s future.
However, pet insurance can help ease the financial strain of expensive health concerns that might come up with a purebred Border Collie. With more than 10 years of experience in pet insurance, I’m here to help you uncover the best coverage options. I can also provide useful information about typical health issues and their costs so you can make a smart choice for your furry friend.
Best Pet Insurance For Border Collies
Border Collies have particular insurance needs, just like any other purebred canine. After extensive research, I’ve compiled a list of the best pet insurance plans for Borders. I took into account a number of variables, including breed-specific health conditions, coverage options, a dog’s age, premium costs, and more.
| Best For | Company | Get Quotes | Read In-Depth Reviews |
|---|---|---|---|
| Most Affordable |  |  | Read Review |
| Value |  | | Read Review |
| Unlimited Payouts |  | | Read Review |
| Short Accident Waiting Period |  | | Read Review |
| Customizable Plans |  | | Read Review |
| Border Collie Puppies |  | | Read Review |
| Vet Direct Pay |  | | Read Review |
Most Affordable: Pets Best
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $50, $100, $200, $250, $500, $1,000
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Pets Best
Pets Best provides Border Collies with first-rate policies and some of the most affordable rates for all levels of coverage. You can choose from three customizable plans that cover accidents and illnesses and an accident-only option. Another stand-out feature is that Pets Best has shorter waiting periods than many providers for orthopedic conditions commonly affecting this breed, like hip dysplasia and osteochondritis dissecans (OCD). Knowing that your coverage for these costly issues will begin sooner gives you peace of mind.
In addition to their insurance options, Pets Best provides a wellness plan add-on at a reasonable monthly rate. This plan assists with routine preventative veterinary care costs like annual checkups, immunizations, and professional dental cleanings. If you want maximum benefits and a low deductible, this provider’s rates are surprisingly affordable for Collies.
Expert Price Analysis
When I looked at quotes for Border Collies across various ages and regions, I found that Pets Best consistently provided some of the best rates. Most impressive was their pricing for premium coverage ($100 deductible, 90% reimbursement, and no payout caps). This option is quite affordable compared to similar plans offered by most other insurance providers.
| Pros | Cons |
|---|---|
| Among the most budget-friendly premiums for Border Collies | Claim reimbursement takes 18–30 days on average |
| One of few companies to offer an accident-only plan | Plan upgrades necessary for vet exam fee and complementary care* coverage |
| Provides coverage for treatable pre-existing conditions once they’ve been cured | 6-month waiting period for CCL coverage (accident & illness plan) |
| 5% off when you insure more than one pet | Accident-only plan doesn’t cover CCL injuries |
| Offers 2 optional wellness plans | |
| 14-day hip dysplasia waiting period is much shorter than average | |
| No age restrictions to enroll older dogs |
In-Depth Review Of Pets Best
Check out my comprehensive review of Pets Best to discover more about its multiple plan offerings, customization choices, waiting periods, and other important details.
Best Value: Fetch
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $250, $300, $400, $500, $600, $700
- Annual Payout Options: $5,000, $10,000, $15,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Why I Picked Fetch
Fetch offers excellent pet insurance plans for owners seeking extensive coverage with minimal exclusions. Their all-inclusive policies come with a vast array of benefits, including coverage for vet exam costs, complementary and behavioral therapies, curable pre-existing conditions, treatment for gum disease, and C-sections. Plus, they offer special advantages like $1,000 in annual coverage for virtual veterinary visits without a deductible. Another perk is that Fetch provides pre-approval of treatment procedures and cost estimates, giving you peace of mind knowing that your claim is already guaranteed.
Expert Price Analysis
When I compared quotes for Border Collies, I discovered that Fetch provided the best value with its maximum benefits ($100 deductible, 90% reimbursement, and $15,000 payout). It was more affordable than many other insurers that offered similar coverage options. Also, Fetch’s premiums were often competitive for lower coverage options ($500 deductible, 90% reimbursement, and $5,000 payout) when I tacked on exam fee coverage for other providers.
| Pros | Cons |
|---|---|
| Excellent value for the broad coverage you get with every policy | 15-day accident waiting period is longer than many providers |
| Curable pre-existing conditions are covered once a year has passed with no symptoms | Hip dysplasia and CCL coverage waiting periods are 6 months |
| All policies offer special benefits like trip cancellation and virtual veterinary consultations | No discount when you insure more than one pet |
| Offers an optional wellness plan | |
| Approves procedures and cost estimates in advance of treatment | |
| No age restrictions to enroll older dogs |
In-Depth Review Of Fetch
To learn more about this provider’s expansive coverage, special perks, customizations, waiting periods, and other features, please read my thorough review of Fetch.
Best For Unlimited Payouts: Healthy Paws
- Policy Options: Accident & Illness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%
Why I Picked Healthy Paws
When considering the potential unexpected accidents and genetic health issues your Border Collie may face, it’s wise to explore pet insurance options offering unlimited annual payouts. Healthy Paws stands out in this area. With Healthy Paws, you can have peace of mind knowing that there is no coverage limit to worry about, as every policy includes an unlimited annual cap. Furthermore, Healthy Paws does not have any lifetime payout limits.
You might wonder if Healthy Paws is more expensive than other options since all policies have no reimbursement caps. In many cases, the answer is no. In fact, Healthy Paws plans are often more affordable than those offered by different insurers, which provide unlimited annual payouts and comparable deductibles and reimbursement rates. For some Collies, Healthy Paws may be a more economical choice than policies with lower payout limits.
Expert Price Analysis
Comparing Healthy Paws’ premium costs with other insurance providers can be challenging because they only offer unlimited payouts. However, their pricing for Border Collies is often more cost-effective or similar to that of other insurers offering similar deductibles, reimbursement rates, and a $5,000 annual payout.
| Pros | Cons |
|---|---|
| Unlimited caps with every policy | Limited deductible and reimbursement choices once your dog gets older |
| Affordable premiums for plans with comparable coverage and unlimited payouts when compared to other insurers | No ability to obtain coverage for veterinary exam fees or behavioral therapy |
| Fast claim reimbursement of 2 days on average | Some Borders are uninsurable due to location and age |
| Waiting period for CCL coverage is only 15 days | Much longer than average waiting period for hip dysplasia coverage (12 months) |
| All policies cover complementary care | Hip dysplasia coverage is unavailable for dogs enrolled at 6 years of age or older |
| One of few insurers to cover pre-existing bilateral conditions for the other side of the body (except CCL injuries) | Can’t enroll dogs age 14 and up |
| Outstanding track record of customer satisfaction |
In-Depth Review Of Healthy Paws
In my detailed review of Healthy Paws, I delve into this insurer’s coverage and benefits, exclusions, waiting periods, and additional features.
Best For Short Accident Waiting Period: Figo
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%, 100%
Why I Picked Figo
Due to their boundless energy and need for tons of mental stimulation, Border Collies can be prone to various accidents. But thanks to Figo’s one-day accident waiting period, your pup will be covered quickly should he swallow a foreign object, get injured during rough play, or ingest something toxic.
Another thing that sets Figo apart is their customizable options, including unlimited annual caps and full reimbursement, which is rare in the industry. Their comprehensive policies also cover dental illness, complementary treatments, behavioral therapies, and treatable pre-existing conditions.
Expert Price Analysis
Figo’s premiums were typically average or slightly above average when I compared quotes for Border Collies with lower coverage ($5,000 payouts, 70% reimbursement, and a $750 deductible). However, rates for Figo’s maximum coverage (unlimited payouts, 90% reimbursement, and a $100 deductible) surpassed many other insurers’ pricing.
| Pros | Cons |
|---|---|
| Rare offering of 100% reimbursement | Coverage for veterinary exam costs requires an add-on |
| Industry-leading 1-day waiting period for accidents | Hip dysplasia and CCL coverage waiting periods are 6 months |
| Coverage for dental illness, behavioral therapy, and complementary care are included in all policies | |
| Curable pre-existing conditions are covered once a year has passed with no symptoms | |
| Offers an optional wellness plan | |
| For each year you don’t make a claim, Figo lowers your deductible by $50 | |
| Fast claim reimbursement of 2 days on average | |
| 5% off when you insure more than one pet | |
| No age restrictions to enroll older dogs |
In-Depth Review Of Figo
For a more detailed look at this provider’s various plan options, coverage, reimbursement process, and other features, check out my comprehensive review of Figo.
Best For Customizable Plans: Embrace
- Policy Options: Accident-Only, Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750, $1,000
- Annual Payout Options: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited
- Reimbursement Options: 70%, 80%, 90%
Why I Picked Embrace
Embrace offers a wide range of choices regarding deductibles, reimbursement rates, and annual payouts, including unlimited caps. With these numerous options, you have the flexibility to customize an insurance policy that fits your budget and the specific health needs of your beloved Border Collie. You also have the option to include coverage for vet exam fees and prescription medications to ensure more comprehensive coverage. In addition, Embrace’s accident and illness policies include complementary care, behavior therapy, and up to $1,000 in annual dental coverage at no extra cost. This means you get additional benefits without having to pay more.
Expert Price Analysis
When comparing Border Collie pet insurance quotes, Embrace’s premium pricing was slightly below average to average. This was based on a $500 deductible, 90% reimbursement, and $5,000 payout. However, there were a few instances where their pricing was exceptionally competitive, especially for an eight-year-old dog living in Jersey City, NJ.
| Pros | Cons |
|---|---|
| Numerous options for deductible, reimbursement, and yearly payout customizations | Coverage for veterinary exam costs and prescription drugs each require an add-on |
| 10% off when you insure more than one pet | Some Borders are uninsurable due to age and location (e.g., pets over 5 are ineligible for coverage in California) |
| For each year you don’t make a claim, Embrace lowers your deductible by $50 | Hip dysplasia and CCL coverage waiting periods are 6 months |
| Coverage for dental illness, behavioral therapy, and complementary care are included in all policies | |
| Curable pre-existing conditions are covered once a year has passed with no symptoms | |
| Accident waiting period is only 2 days | |
| Offers 3 optional wellness plans |
In-Depth Review Of Embrace
To learn more about this insurer’s coverage, benefits, customization options, add-ons, reimbursement process, and other features, be sure to read my in-depth review of Embrace.
Best For Border Collie Puppies: Lemonade
- Policy Options: Accident & Illness, Wellness
- Annual Deductible Options: $100, $250, $500, $750
- Annual Payout Options: $5,000, $10,000, $20,000, $50,000, $100,000
- Reimbursement Options: 60%, 70%, 80%, 90%
Lemonade Pet Insurance Is NOT Available In: AK, AZ, DE, HI, ID, KS, KY, LA, ME, MT, WV, WY
Why I Picked Lemonade
Lemonade is well-known for its budget-friendly rates for lower coverage, which holds true for Border Collie puppies. In addition to low rates for little Borders, this insurer offers a two-day waiting period for accidents, providing peace of mind if your puppy gets injured while exploring their new surroundings.
Another benefit for young Border Collies is Lemonade’s wellness plan, specifically designed for puppies. This plan covers services such as spaying/neutering, two wellness exams, six vaccinations, two fecal tests for parasites, and more. It is worth noting that Lemonade entered the pet insurance industry in 2020, so it may not have the same history as some other companies I recommend here. However, it has quickly built a solid reputation among its customers.
Expert Price Analysis
I found that Lemonade consistently offers some of the most affordable premiums for Border Collie puppies, as well as for older dogs in many cases. The premiums remain competitive even when including coverage for vet exam fees.
| Pros | Cons |
|---|---|
| Among the most affordable premiums for Border puppies | Only available in 38 states and Washington, D.C. |
| 5% off when you insure more than one pet | Coverage for vet exam costs, dental illness, complementary care, and behavioral therapy require add-ons for each |
| Fast claim reimbursement of 2 days on average | |
| Curable pre-existing conditions are covered once a year has passed with no symptoms | |
| 2 wellness add-on plans (1 designed for puppies) | |
| Coverage for hip dysplasia has a shorter than usual 30-day waiting period |
In-Depth Review Of Lemonade
To learn more about this provider’s coverage, numerous add-ons, fast AI-powered reimbursement process, and other features, read my comprehensive review of Lemonade.
Best For Vet Direct Pay: Trupanion
- Policy Options: Accident & Illness
- Per-Incident Deductible Options: $0 – $1,000 (in $5 increments)
- Annual Payout Options: Unlimited
- Reimbursement Options: 50%, 60%, 70%, 80%, 90%, 100%
Why I Picked Trupanion
Trupanion stands out for its VetDirect Pay feature, which can eliminate the time you have to wait for reimbursement. Trupanion is the only pet insurance company in the industry offering immediate direct pay to your vet at checkout. The only caveat is that your vet must be set up with Trupanion’s VetDirect Pay. You can ask them to set it up if yours doesn’t. This provider could be your best bet if you’re worried you won’t have the funds in your bank account to cover your vet bill.
Expert Price Analysis
Trupanion’s Border Collie insurance premiums were significantly more expensive than those of other companies when I compared quotes for various ages and regions. Their premium prices were frequently two to three times higher.
| Pros | Cons |
|---|---|
| Unlimited caps with every policy | Highest premium pricing for Collies |
| VetDirect Pay eliminates waiting for reimbursement | No ability to obtain coverage for veterinary exam fees |
| Covers pre-existing bilateral conditions with no signs present 18 months before the policy’s effective date | Waiting period for illnesses is 30 days (most have 14-15 days) |
| Curable pre-existing conditions are covered once a year has passed with no symptoms | Can’t enroll dogs age 14 and up |
| Fast claim reimbursement of 2 days on average | |
| Waiting period for hip dysplasia and CCL coverage is only 30 days |
In-Depth Review Of Trupanion
To learn more about this provider’s VetDirect Pay feature, customization options, waiting periods, and more, see my comprehensive review of Trupanion.
What Type Of Pet Insurance Plan Is Best For Border Collies?
You have two main choices for pet insurance policies: accident-only and accident and illness plans. Additionally, a wellness plan is an elective offered by some insurance companies during the enrollment process. It’s important to realize that wellness plans are not pet insurance; however, they can help you save money on your Border’s preventive care.
| Accident-Only | Accident & Illness | Wellness | |
|---|---|---|---|
| Injuries (intestinal blockage, accidental poisoning, broken bones, wounds, sprains, etc.) |  | | |
| Diseases (chronic skin disease, hip dysplasia, epilepsy, congenital heart & liver diseases, eye disorders, etc.) | | ||
| Preventative (annual checkups, vaccines, parasite prevention, professional dental cleaning, etc.) | |
What Are Accident-Only Pet Insurance Plans?
Accident-only pet insurance plans offer an affordable solution for pet owners who want to ensure their pups can receive emergency care in case of injuries such as sprains, wounds, accidental poisoning, intestinal blockages from foreign objects, and broken bones. These plans are ideal for those who are on a very tight budget. However, they also provide coverage for pets with several pre-existing conditions that likely would not be included in a more comprehensive accident and illness policy. Still, it’s important for you to know that very few providers offer an accident-only plan.
Pricing Tip – The premiums for accident-only plans are typically significantly less than those for accident and illness plans.
What Are Accident & Illness Pet Insurance Plans?
Accident and illness plans provide the most comprehensive health insurance for your pup. These policies cover not only accidental injuries but also a range of medical issues like hip dysplasia, CCL ruptures, epilepsy, inherited eye disorders, heart defects, dental issues, and other conditions that are frequently seen in Borders. With this insurance, you can be ready to deal with nearly any health problem that may come up for your pet.
What Are Wellness Plans?
Wellness plans help you pay for yearly vet checkups, vaccinations, annual dental cleanings, parasite prevention, and other essential preventive care. Including a wellness plan with your pet insurance is a wise choice to ensure your furry friend stays as healthy as possible.
Wellness plans are distinct from pet insurance and do not provide coverage for medical expenses associated with illnesses or injuries.
What Does Pet Insurance Cover & Exclude?
When determined medically necessary by a veterinarian, the following conditions are covered by accident and illness insurance plans offered by most insurance companies. However, coverage can differ based on the provider. Since various insurers may have different limitations for particular conditions, it’s imperative that you carefully review your policy.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo & radiation) | Cremation & burial costs |
| CT scans | Elective procedures (e.g., declawing, ear cropping, spaying/neutering, tail docking, etc.) |
| Chronic conditions | Food & supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy & breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams & care | |
| Surgery & hospitalization | |
| Ultrasounds | |
| X-rays |
Learn More About Pet Insurance Coverage
See my in-depth guide on pet insurance coverage to learn more about the restrictions to consider when selecting a policy.
What Determines The Cost Of Pet Insurance For Border Collies?
It’s important to understand the factors that affect premium pricing, so here’s a brief overview of the main things that isurers consider when setting their rates.
- The cost of pet insurance varies depending on your pet’s age. For example, older dogs generally have higher premiums than younger dogs because they are more likely to experience costly health issues.
- Local living costs significantly influence premium rates. Both you and veterinarians feel the impact of changes in the cost of living. As a result, if you reside in an area with high living expenses, you’ll likely face higher costs for pet insurance and veterinary services.
- A dog’s breed substantially affects pet insurance premiums. Some breeds are more likely than others to have health issues. Also, the increased health risks associated with purebred dogs compared to mixed breeds can significantly impact insurance rates.
- Compared to female dogs, male dogs may have higher insurance rates. This is because male dogs tend to be larger than females, which may necessitate stronger medication dosages, more sophisticated medical equipment, and extra supplies. However, some insurers don’t factor in gender to determine pricing.
You can still create a pet insurance policy that fits your needs and budget with various customization options, even though some factors influencing your premium costs may be out of your control. I’ll describe how this operates below.
Customization Options Affect Cost & Benefits
When looking for a pet insurance plan that meets your unique requirements, you have more options than you might imagine. Numerous pet insurance providers provide a range of adaptable plans to fit your spending limits. First, choose between a more comprehensive accident and illness policy or an accident-only plan. Additionally, you can modify the maximum payout, reimbursement rate, and deductible to suit your budget better. However, knowing how these changes will impact your coverage is crucial.
What Is A Maximum Payout?
Pet insurance companies typically provide two kinds of maximum payouts: annual and lifetime. An annual maximum payout indicates the total reimbursement amount you can receive for your pet’s medical costs within one policy year. In contrast, a lifetime cap signifies the total amount the insurer will cover over the entire insured life of your pet. The providers mentioned in this article offer annual payouts, with popular choices of $5,000, $10,000, and unlimited.
Pricing Tip – If you opt for a lower payout, your monthly premium will decrease, but you’ll need to cover more expenses if your Border’s medical costs exceed your annual limit.
What Is A Deductible?
The amount you must pay out of pocket before your insurance company reimburses you is known as the deductible. Deductibles typically range from $100 to $1,000, with $100, $250, and $500 being the most commonly selected amounts. There are two primary deductible types for pet insurance: annual and per-incident. I describe their differences below.
- Annual deductible: If your dog needs medical attention, you will have to pay a set amount every year as part of your policy. Regardless of how many medical issues or treatments your dog requires throughout the year, this is your full deductible. You can better control the costs of your pet’s medical care if you have a set annual amount. The majority of providers have yearly deductibles.
- Per-condition deductible: A per-incident (or per-condition) deductible must be paid each time your pet needs medical care for a brand-new condition. In the event that your dog develops several new health issues in a single year, this can quickly mount up. What’s the advantage of this type of deductible? It can be helpful for chronic conditions like skin disease, epilepsy, and hypothyroidism because you only have to pay a per-condition deductible once during a pet’s insured lifetime. Trupanion only provides per-condition deductibles.
Pricing Tip– If you opt for a higher deductible, your monthly premium will decrease but you’ll be responsible for more out-of-pocket costs.
What’s The Reimbursement Percentage?
Selecting a reimbursement percentage means determining the portion of your veterinary costs that your insurance will pay after you’ve met your deductible. For instance, if you opt for an 80% reimbursement rate and have a $500 deductible, you’ll first pay the $500, and then you’ll be responsible for 20% of the vet bills, with your provider covering the rest. Common reimbursement rates are 70%, 80%, and 90%.
Pricing Tip – Choosing a higher reimbursement percentage increases your monthly premium but lowers out-of-pocket costs if your dog needs medical care.
Learn More About Pet Insurance Costs
My comprehensive guide on pet insurance costs provides detailed insights into how your decisions about deductibles, reimbursement rates, and payouts influence your benefits and premium costs.
How Much Is Pet Insurance For A Border Collie?
To get a precise pet insurance quote for your Border Collie, enter your zip code and your dog’s information in the form below. We will then offer you tailored insurance quotes from several highly-rated providers, specifically for your beloved pet. Although looking at sample quotes for Border Collies can be useful, remember that the insurance cost for your dog may differ based on their unique characteristics.
According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).
To give you a general idea of premium costs, I obtained pet insurance quotes for Border Collies from the best providers I reviewed above, taking location and age differences into account. When possible, I used comparable deductibles, reimbursement percentages, and payouts to make the comparison as accurate as possible.
| Company | 6mo old male 95818 (Sacramento, CA) | 1yr old female 14211 (Buffalo, NY) | 2yr old male 33604 (Tampa, FL) | 5yr old female 78731 (Austin, TX) | 8yr old male 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|
| $35.74 | $23.88 | $22.59 | $38.87 | $109 |
| $45.38 | $30.72 | $37.05 | $65.45 | $98.33* |
| $31.68*§ | $22.79*§ | $44.44§ | $44.02*§ | $50.33†§ |
| $43.98 | $41.13 | $32.87 | $54.57 | $132.02 |
| $33.74 | $39.97 | $26.99 | $49.84 | $75.09 |
| $31.08 | $29.08 | $17.02 | $56.25 | $73.82 |
| $82.77§ | $106.92§ | $205.14‡§ | $136.73§ | $262.54§ |
*80% reimbursement; †50% reimbursement and $1,000 deductible (no other options); ‡$0 deductible; §Unlimited annual payouts
Border Collie Insurance Cost: Lowest & Highest Amounts
I gathered quotes for the highest and lowest monthly premiums for Border Collie pet insurance from the same companies, so you have another point of comparison. These quotes consider the annual payout, deductible, reimbursement, and optional add-ons (wellness plans excluded). Additionally, I’ve provided premium ranges for two different ages of Borders to illustrate how a dog’s age at enrollment may impact insurance premiums.
| Company | 2mo old 95818 (Sacramento, CA) | 5yr old 95818 (Sacramento, CA) | 2mo old 14211 (Buffalo, NY) | 5yr old 14211 (Buffalo, NY) | 2mo old 33604 (Tampa, FL) | 5yr old 33604 (Tampa, FL) | 2mo old 78731 (Austin, TX) | 5yr old 78731 (Austin, TX) | 2mo old 07305 (Jersey City, NJ) | 5yr old 07305 (Jersey City, NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $16-$99 | $22-$134 | $11-$68 | $14-$92 | $12-$75 | $14-$92 | $14-$80 | $17-$99 | $19-$111 | $24-$137 |
| $30-$76 | $56-$144 | $22-$46 | $37-$81 | $25-$54 | $42-$96 | $27-$58 | $45-$101 | $26-$49 | $43-$84 |
| $19-$48 | $27-$54 | $17-36 | Uninsurable | $27-$65 | $44-$113 | $23-$58 | $33-$52 | $21-$42 | $30-$47 |
| $19-$114 | $25-$149 | $17-$129 | $22-$167 | $13-$102 | $20-$148 | $15-$113 | $22-$164 | $24-$158 | $32-$205 |
| $13-$131 | Uninsurable | $14-$122 | $14-$125 | $11-$70 | $14-$91 | $15-$101 | $20-$132 | $16-$105 | $21-$138 |
| $15-$123 | $20-$159 | $18-$110 | $20-$125 | $11-$75 | $14-$101 | $26-$122 | $40-$177 | $21-$122 | $24-$139 |
| $50-$206 | $100-$441 | $56-$237 | $97-$423 | $53-$157 | $113-$336 | $43-$173 | $82-$356 | $52-$216 | $104-$455 |
What Are Waiting Periods For Border Collie Pet Insurance?
The time between enrolling in a pet insurance plan and the beginning of your coverage is known as the waiting period, and it can vary depending on the insurance company.* While waiting periods for illnesses typically last 14 days, they can range from 0 to 15 days for accidents. For orthopedic disorders like hip dysplasia and CCL tears, which can affect Border Collies, many insurers have lengthier waiting periods.
*States are slowly adopting a Model Law for pet insurance. This Model Law attempts to standardize each state’s regulations, which includes a standard for waiting periods that all companies must follow. Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland are as follows:
- Accidents – 0 days
- Illnesses – 14 days
- Cruciate Ligament Conditions – 30 days
- Routine Care – 0 days
Learn More About Waiting Periods
See my comprehensive guide on pet insurance waiting periods to learn why insurers set these waiting times and other important information.
How Does Pet Insurance For Border Collies Work?
Using pet insurance is straightforward once your policy’s waiting periods have passed.
- When you visit the vet, simply pay the total amount of the bill.
- Next, send a completed claim form and an itemized receipt to your insurance provider. It’s a good idea to take a copy of your claim form to your appointment, as some insurers may need your vet to sign it.
- After your claim is approved, you will receive your reimbursement* through your preferred payment method (like a check or direct deposit).
*Keep in mind that the time it takes to process reimbursements can vary based on the complexity of the claim and the specific timelines set by each company. It can range from a few minutes to a few weeks.
15 Health Issues In Border Collies
Border Collies typically live 12-15 years and are generally healthy dogs, but this breed does face some costly inherited diseases. They can also be prone to accidents due to their temperament. If you have a Border, it’s important to understand the possible health concerns and associated expenses that can come with this breed. Being well-informed can help you decide whether pet insurance suits your furry friend.
- Hip dysplasia results from the misalignment of the femur with the hip socket. Immobility and increasing discomfort are possible outcomes of this condition. Surgery is often required to improve your dog’s quality of life, and it can cost anywhere from $1,700 to $4,500 or more.
- Due to their genetics and incredible energy levels, Borders Collies often face the risk of cranial cruciate ligament (CCL) injuries. When the CCL in their knee tears, orthopedic surgery is frequently necessary. The costs for this procedure can range from $1,600 to over $6,000.
- Patent ductus arteriosus (PDA) is an inherited congenital (present at birth) heart defect. It leads to an overload of blood on the left side of the heart, which can cause heart failure. When caught early, diagnosing and surgically treating PDA costs about $2,500 to $5,000.
- A portosystemic (liver) shunt is a congenital condition in which an abnormal blood vessel compromises the liver’s capacity to filter toxins. Surgery is often necessary to correct the problem. Uncomplicated cases can cost anywhere from $2,000 to $3,000, while complex cases can cost over $10,000.
- Young Border Collies are susceptible to osteochondritis dissecans (OCD), an inherited developmental disorder. OCD occurs when a joint’s cartilage separates from the bone, usually in the ankle, knee, or shoulder. The cost of the diagnosis and surgery runs from $2,000 to $4,000 or more.
- Borders are at high risk for cataracts, collie eye anomaly (CEA), and progressive retinal atrophy (PRA). Diagnostics alone can run up to $1,000. Unfortunately, there’s no cure for PRA or CEA. However, surgical intervention (costing up to $3,000) for CEA can help repair some related damage. Cataract removal surgery ranges from $2,600 to $3,800.
- Border Collies may experience anxiety and behavioral issues, like excessive chewing, if they don’t get enough mental and physical stimulation. A serious intestinal blockage may result from swallowing a foreign object. The cost of diagnosing and treating this condition can vary from $800 to $7,000, depending on its severity.
- A hereditary chronic disease, follicular dysplasia causes hair loss, skin flaking and scaling, and secondary skin infections. Supplements, shampoos, topical creams, and topical antimicrobials are required to manage the lifelong disease, with the average monthly cost around $50.
- Border Collies can suffer from a genetic condition called dental hypomineralization (DH) or Raine syndrome, which causes extremely weak teeth. Signs, such as brown, worn, or cracked teeth, accompanied by pain, usually appear at an early age. The only treatment is tooth extraction, which can cost from $50 to $500 per tooth, depending on the complexity and tooth size.
- Dogs with epilepsy experience seizures as a result of abnormal electrical activity in their brains. The cost of prescription drugs and routine veterinary examinations for straightforward cases is roughly $500 per year. Dogs with more complicated conditions, however, might require more frequent checkups and more expensive drugs, which can cost anywhere from $1,000 to $5,000 per year.
- Hypothyroidism, a disorder in which the thyroid gland is unable to produce enough hormones, is another genetic problem that affects Border Collies. This necessitates continuous testing and lifelong medication. The typical cost of drugs is between $20 and $50 per month. The initial diagnostic tests could cost between $50 and $150. Furthermore, retesting every year usually costs $50 to $100.
- A genetic neurological disorder called degenerative myelopathy causes the hind legs to gradually weaken and lose their ability to function. Diagnostics may cost between $500 and $4,000. Nutritional supplements and physical therapy, which cost $500 or more a month, may help slow the progression of the disease. Unfortunately, there is no cure.
- Imerslund-Gräsbeck Syndrome (IGS) is an inherited metabolic condition that prevents Border Collies from absorbing vitamin B12 (cobalamin). Symptoms usually appear within 6–12 weeks of birth. Lifelong treatment involves regular B-12 supplements, either by monthly injection or a daily oral supplement. The cost averages $50 per month.
- Border Collie collapse (BCC), also called exercise-induced hyperthermia, is a neuromuscular disease that causes dogs disorientation, swaying, and falling to the side after 5 to 10 minutes of strenuous exercise. Dogs usually recover after 30 minutes. Unfortunately, there’s no treatment. Prevention is the best course of action.
- Trapped neutrophil syndrome (TNS) is an inherited disease that causes Borders to have severely weakened immune systems. Typically, affected dogs die from an infection by 4 months of age.
Get Your Border Tested For MDR1
While there is no cure or treatment, it’s important to know that your Border Collie could have MDR1 drug sensitivity. This is a genetic mutation that can make Borders more sensitive to the negative effects of certain medications. To avoid serious or even life-threatening adverse reactions, testing your pup for this genetic defect is essential. At-home DNA testing kits from Embark and Wisdom Panel can tell you if your Collie has inherited this health risk.
Our First-Hand Experience With Collie Eye Anomaly (CEA)
One of our Canine Journal writers rescued a six-year-old Border Collie, Tally. During his life, he was diagnosed with Collie Eye Anomaly (CEA). Below is Tally’s CEA experience and how pet insurance helped save Emma money and stress.
Border Collies are a very healthy breed, but they are predisposed to several eye conditions. One of the main concerns is CEA. This can result in various defects in many layers of the eye, including holes (coloboma) and thinning (choroidal hypoplasia). Most responsible breeders screen for this anomaly between six and eight weeks of age. And they can provide the certificate from the ophthalmologist giving the puppy the all-clear.
Our Border Collie, Tally, came from a local rescue center. At the time of getting him, there was no indication of any eye problems. But as time passed, it became clear that he was experiencing eye problems, including bumping into things, not seeing the ball when thrown, and becoming nervous outdoors in poor visibility.
We booked him in with the vet, and after looking at his eyes, they recommended a full eye scan. The scan showed he had choroidal hypoplasia, and although it affected his eyesight, it wasn’t severe enough to cause total blindness. For this reason, the vet recommended not to proceed with surgery, but we had to take extra safety precautions.
Thankfully, we signed him up for pet insurance as soon as we rescued him, which covered the costs of the complete eye scan. Because he had no previous eye problems, it was considered a “new” condition (not a pre-existing one). However, if he needed retinal reattachment surgery, it could have cost up to $1,500 per eye. Sadly, there is no cure for CEA, so if you decide to get a Border Collie from a breeder, make sure they screen for these conditions.
Tally lived his days out still bumping into things, but it didn’t stop his zest for life and playing with us endlessly.
– Emma Braby, Border Collie parent, writer for Canine Journal
Is Pet Insurance Worth It For Border Collies?
Consider the statistics. In the Orthopedic Foundation for Animals (OFA) 2023 breed summary report of Border Collies, 10% tested positive for hip dysplasia, 7.5% for advanced heart problems, nearly 12% for degenerative myelopathy (DM), and nearly 24% for at least one eye abnormality.
Considering this breed’s likelihood of facing expensive health problems, it’s essential to consider pet insurance for Border Collies. By investing in pet insurance, you can ensure your furry friend receives the necessary medical attention if any issues arise. It’s wise to secure insurance for your dog before any health emergencies or hereditary conditions occur. The reason? Most pre-existing conditions aren’t covered by pet insurance.
Determine If Your Border Collie Needs Insurance
I urge you to read my comprehensive guide, which covers whether pet insurance is worth it, to help you make an informed decision. It can help you weigh the pros and cons of your unique situation.
5 Steps To Find The Best Pet Insurance For Border Collies
Below are the most crucial aspects to consider when selecting the ideal insurance plan for your Collie.
- Evaluate each insurer’s reputation and financial stability. In general, long-standing pet insurance companies are more dependable than those with less experience.
- Scrutinize the policy details to see how each condition is addressed, taking into account any potential health concerns your Border may face.
- Choose between an accident-only policy and one that also covers illnesses and inherited conditions.
- Ensure you understand how reimbursement operates and how long it typically takes for each provider to process claims.
- To compare costs, get quotes from a minimum of three pet insurance providers.
Methodology
To determine the best pet insurance for Border Collies, we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry, their company, and their offerings
- Requiring national experience for companies
Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
- Best Pet Insurance
- Is Pet Insurance Worth It?
- What Does Pet Insurance Cover?
- How Much Does Pet Insurance Cost?
- Best Pet Insurance For Pre-Existing Conditions
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to writer for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions, which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones, a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
