Best Australian Cattle Dog Pet Insurance of October 2021

Lisa Scott

Australian Cattle Dogs are known to be incredibly healthy dogs. However, they are still prone to certain hereditary issues that can cost a fortune in medical bills. It is a good idea to consider pet insurance in case an illness or injury were to happen.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $19/m

$3,000

Annual Coverage

100%

Reimbursement Rate

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $19, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $19
  • Allows coverage on 6 pets for $19 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance for an Australian Cattle Dog worth it?

Australian cattle dogs tend to live relatively long lives for their size and this can result in expensive treatments in case of an illness. Veterinary bills for certain diseases and injuries can be thousands of dollars and most people might not be able to pay for these costs out of their own pocket.

Enrolling your dog for pet insurance can get your reimbursement for medical bills. It will also help that your pet has access to the best medical care if they need it.

Common health conditions for an Australian Cattle Dog

Although a healthy dog breed, Australian Cattle Dogs can still run into certain health issues during their lifetime. Some of the most common health issues that they are prone to are:

  • Retinal atrophy: This is a degenerative disease that results in a progressive loss of vision. It causes the cells to deteriorate with time and can lead to complete blindness.
  • Von willebrand disease: This is a common issue that can occur in Australian Cattle Dogs. It is a blood disorder that causes the blood to not clot properly and can lead to excessive bleeding in case of an injury.
  • Liver shunt: This is typically caused by a birth abnormality known as congenital portosystemic shunt which causes reduced blood flow to the liver. It can result in abnormal behaviours like disorientation, seizures, etc.
  • Osteochondrosis: This is a skeletal disorder that affects the joints of rapidly growing dogs. It is caused by abnormal cartilage growth and can lead to intermitted lameness or your dog being in constant pain.

What does pet insurance cover for an Australian Cattle Dog?

The type of insurance plan you buy will determine the amount of coverage you get and there are typically a few different types that you can choose from. 

  • Accident only: This type of insurance covers costs that are a result of accidents or injuries.
  • Accident and illness: This is the most popular type of pet insurance plan. It covers medical costs incurred due to accidents and illnesses.
  • Maximum benefit: These plans provide a fixed amount of coverage for different health issues or accidents. This coverage is valid until the maximum coverage is reached without a time limit.

Before you buy a plan you should be aware that insurance policies have exclusions that are not covered. These exclusions can include pre-existing conditions, routine care, etc.

How are premiums determined for an Australian Cattle Dogs?

Pet insurance premiums are decided based on a few different factors and can vary greatly. The premium for your Australian Cattle Dog will be determined by the following factors:

  • Breed, age and gender: Most insurers take this information into account when calculating your premium. Your dog’s breed’s susceptibility to hereditary illnesses plays a factor. Additionally, older and male dogs have higher insurance premiums.
  • Insurance plan type: The type of insurance plan you buy will have an impact on the premium you pay. Typically, the more coverage you opt for the more you will end up paying.
  • Location: The cost of medical care for your pet varies depending on the location. Therefore, your location will play a part in determining your insurance premium. 

How to choose the best pet insurance for an Australian Cattle Dog

When you are shopping for pet insurance for your dog, you should consider a few factors before you make a decision. Here are a few things you should consider:

  • Recognize your pet’s needs: Australian Cattle Dogs have needs specific to them and are more prone to suffer from certain medical complications. Knowing the needs of your pet can help you buy the most relevant insurance plan for your dog.
  • Compare insurers: When you are looking to buy a pet insurance plan, you should compare the different options available in the market. This will help you get a plan that suits your needs and budget.
  • Understand the coverage: Different insurers may have different policies and exclusions. It is a good idea to inquire about the coverage that is provided so you don’t have any confusion.
  • Insurer track record: You should look into the insurance companies history and try to gather information about their services and the way they process claims.