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Best Border Collie Pet Insurance of 2022

Lisa Scott

Border Collies are lovable dogs that are loyal and care for their family. To keep your best friend healthy and happy throughout their life, be sure to secure a good pet insurance plan. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

Overview

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

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

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 $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

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 $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 a Border Collie?

Border Collies are one of the most popular breeds today, with tons of families having a Border Collie pet at home. They are intelligent and loving, as well as athletic and easy to train. In addition to that, they typically live a longer life compared to many other dog breeds.

However, even a healthy Border Collie is likely to need medical treatment at some point in its life. Whether it experiences a bad injury or develops a serious illness, most dogs will need to visit the veterinarian to get the necessary medical treatments required. While we always want to take care of our dogs, even just a couple trips to the veterinary clinic can become very expensive.

You never want to have to choose between your dog’s health and what you can afford. To help ensure you can always take care of your Border Collie, and to not worry about financial risk, consider purchasing a pet insurance plan.

Common health conditions for a Border Collie

Like all breeds, Border Collies are susceptible to certain illnesses and other medical issues. Some of the most common medical conditions Border Collies experience include:

  • Obesity: Border Collies are more likely to become obese, which can significantly damage their joints and organs. Overtime, this can lead to other serious medical conditions and sometimes death.
  • Bone disorders: when Border Collies are growing, their joint cartilage may not attach to their bone properly. This can lead to hip arthritis and other joint issues later on. 
  • Cancer: since Border Collies live longer than other breeds, they are more susceptible to developing cancer as they get older.

What does pet insurance cover for a Border Collie?

Border collie insurance offers a range of coverage options depending on the plan you take advantage of. Some of the most common treatments and procedures covered under pet insurance include:

  • Medications: if your Border Collie needs medication to treat their illness or injury, you can expect your pet insurance plan to cover the costs associated.
  • Vaccinations: when your Border Collie is young, it will need certain vaccinations to keep them healthy as they grow up. This can also help avoid more serious conditions down the road. The cost of these vaccinations will be covered by your insurance plan. 
  • Fractures & torn ligaments: if your Border Collie tears a ligament or fractures something while exercising, you can expect the treatments and aftercare to be covered by your pet insurance.

Pet insurance covers a wide range of treatments and procedures, however, it does not cover everything. Pre-existing conditions are generally not covered by Border Collie pet insurance plans, and the costs of treatments and procedures for these conditions will need to be paid out of pocket. To ensure your pet is covered throughout its life for any medical condition it may experience, be sure to take advantage of a pet insurance plan as soon as possible.

How are pet insurance premiums determined for a Border Collie?

Insurance premiums are determined based on a number of factors related to your dog and your choice of plan. Some of the most common factors that help to determine your premium include:

  • Medical history: if your Border Collie has a history of medical conditions, they are likely to have a higher monthly premium in comparison to dogs with no medical history.
  • Age: in most cases, the older your dog is, the higher the plan premium will be. This is due to the fact that older dogs are more likely to develop serious health conditions compared to younger dogs.
  • Gender: male dogs will often have a higher monthly premium than female dogs. Male dogs are more susceptible to developing serious health conditions compared to female dogs.

Additionally, your plan details will contribute to your overall pet insurance premium. If you choose a plan that covers both injury and illness-related treatment, you can expect to pay more overall compared to a plan that offers injury-only or illness-only treatment.

How to choose the best pet insurance plan for a Border Collie

There are lots of plans to choose from when deciding on the right pet insurance coverage for your border collie. To help you narrow down the options, be sure to keep these things in mind:

  • Consider your dog’s needs: if your Border Collie has a congenital condition, or is susceptible to certain kinds of medical issues, you will want to confirm the treatments they need are covered under your chosen plan.
  • Compare available plans: compare and contrast available plan details to help you determine which one is the best for your wallet and your dog’s well-being. Each will differ with what they have to offer, so be sure to review and compare each plan.
  • Customer reviews: these can give you a good idea of what to expect from your pet insurance plan. These reviews will help you gain a better understanding of how your provider handles claims, customer inquiries, and more.