Best Australian Shepherd Pet Insurance of 2022

Lisa Scott

Australian Shepherds are highly intelligent, friendly, affectionate, and active, which makes them a great choice for families. But just like any other breed, they are prone to specific health conditions. Pet insurance can help you with unexpected veterinary costs when your dog gets injured or ill. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


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 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 Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


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 $24/m


Coverage Up To


Reimbursement Rates


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 $24, 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 $24
  • Allows coverage on 6 pets for $24 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 worth it for an Australian Shepherd?

All pet parents want the best for their furry friends. But an unexpected accident or illness can quickly turn happiness into a headache. That’s why more and more pet parents are choosing to protect their pets with insurance.

Insurance for your dog can help you cover the costs of unexpected vet bills, allowing you to focus on helping your pet get better rather than worrying about how you’re going to pay for it. It provides peace of mind that if something happens to your dog, you will have the financial means to provide the best care possible. 

Pet insurance can also help you manage routine veterinary expenses like vaccinations, dental cleanings, and medications.

Your pup can get the care they need and when they need it.

Common health conditions for an Australian Shepherd

Not all Australian Shepherds will get any or all of these diseases below, but it’s important to be aware of them. They include:

  • Hip dysplasia: Hip dysplasia is a severe, painful, and debilitating condition that can lead to lameness and arthritis in dogs. It occurs when the head of the femur doesn’t fit into the hip socket properly, causing joint inflammation and pain.
  • Eye conditions: Eye problems are common in Australian Shepherds, including cataracts, progressive retinal atrophy (PRA), iris coloboma, persistent pupillary membranes, and microphthalmia.
  • Hemophilia A: This disorder causes prolonged bleeding during and after surgery or trauma. It’s inherited as an X-linked trait, meaning it shows up more often in males than females.
  • Collie eye anomaly (CEA): This inherited eye condition leads to vision loss and blindness in dogs around 6 weeks old. The condition usually gets worse as the dog ages, but it’s possible for CEA to remain stable over time as well.
  • Epilepsy: Epilepsy is an inherited seizure disorder that can be very difficult to manage in dogs. It tends to be chronic and progressive over time.

What does pet insurance cover for an Australian Shepherd?

Here are the following that pet insurance will cover:

  • Accidents: The breed is known for its high energy. This can cause your pooch to get into accidents and suffer injuries like lacerations and broken bones. A pet insurance policy can help you pay for injuries related to an accident.
  • Illness: Australian Shepherds are more likely than average dogs to develop hip dysplasia, a condition where the thigh bone doesn’t fit properly into the hip joint. This can lead to arthritis and severe pain later in the dog’s life. Other conditions affecting Australian Shepherds include cataracts, glaucoma, progressive retinal atrophy (PRA), epilepsy, and allergies. Treatment for any of these conditions can cost thousands of dollars out of pocket without pet insurance coverage.
  • Routine care: Like most dogs, Australian Shepherds need regular vaccinations, flea control, and heartworm prevention medications. This is usually purchased as an add-on.

How are pet insurance premiums determined for an Australian Shepherd?

Factors that determine pet insurance premiums are:

  • Location: Geographic location can affect your premium because your location can affect claims history and costs. For example, in cities, veterinary care may be more expensive or there may be more claims for certain conditions than in rural areas.
  • Age: The older your Australian Shepherd dog, the higher their premium. This is because older dogs are more likely to have health issues that require medical attention.
  • Deductible: The larger the deductible, the lower the premium. A deductible is an amount you pay before your pet insurance provider covers any of the remaining costs of treatment. If you choose a higher deductible, you will have lower premiums. However, if you end up needing to make a claim, you will have to pay the deductible before your insurer will cover anything else. This means you need to be prepared to cover this amount if something happens to your dog.
  • Gender: Males dogs are generally more aggressive and adventorous then females. This means they will more likely have an accident or get into a fight, so male dogs have higher premiums.

How to choose the best pet insurance plan for an Australian Shepherd

Finding the best pet insurance plan for an Australian Shepherd is a matter of understanding what the breed needs and what your budget can accommodate:

  • Check out the company’s reputation: Before purchasing a policy, take the time to research the pet insurance company. You may want to request recommendations from friends.
  • Consider your budget: Premiums will vary depending on the breed, age, and health of your dog, so you’ll want to shop around for the best rates. Compare multiple companies and be sure to consider all costs associated with your pet’s care, including vet visits and any medications that might be needed. 
  • Consider pre-existing conditions: Many pet insurance companies won’t cover any condition your pet had before signing up with them. If your pet has any medical conditions or injuries that require treatment, be sure to look into whether or not your plan will cover them before signing on the dotted line.
  • Determine your needs: The first step in selecting a plan is determining what you need. Consider your dog’s age and health, how much you can afford to spend per month and how much you’re willing to pay toward any medical bills out of pocket.