Best Collie Pet Insurance of 2022

Lisa Scott

If you have a Collie, they’ve already become a loved member of your family. Keep them healthy and safe by considering quality pet insurance for expensive veterinarian bills. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

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

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.

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

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 Collie?

Collies have been bred for their intelligence, loyalty, and obedience. These traits make Collie’s great family pets, especially if you spend time outdoors with them, often doing activities like hiking or playing fetch in the park. Although a healthy breed, they are still prone to certain health conditions.

Medical treatment for your Collie can become very expensive, especially if they encounter a more severe issue that requires invasive treatment. Medical bills for treating a sick Collie can quickly add up, costing up to a few thousand dollars. In these situations, you don’t want to be in the middle of a crisis and have to choose between your beloved dog and the affordability of their medical treatment.

To prepare for these unexpected circumstances, consider investing in pet insurance. It can help you afford your dog’s medical treatments and procedures while focusing on your dog’s recovery. 

Pet insurance can also provide peace of mind that your dog can be covered for the necessary treatments when it has an accident, injury, or illness. This includes (but is not limited to) broken bones, cancer treatment, harm caused by another animal, and prescriptions for chronic conditions. Therefore, pet insurance can be essential and beneficial for your pet.

Common health conditions for a Collie

Typically, a Collie has a longer lifespan than the average dog, and you can expect your dog to live somewhere between 10 to 15 years. However, like all dog breeds, there are certain medical conditions that your dog could develop, such as:

  • Collie eye anomaly (CEA): This is a condition where the eyelids and eye sockets of the dog do not develop properly, resulting in some degree of vision loss. CEA can be detected at birth by examining puppies’ eyes with an ophthalmoscope or by performing an ultrasound on pregnant females. Once detected, corrective surgery can be performed to correct vision loss caused by CEA.
  • Polyneuropathy: This condition affects many dog breeds, but collies seem to be particularly affected by it, symptoms include weakness in limbs, tremors, unsteady gait, and difficulty walking. Treatment includes medications that help improve circulation in the body (e.g., L-Carnitine and Omega 3 fatty acids).  
  • Cataracts: This develops due to aging or injury, causing cloudy spots to appear on your dog’s lens, which reduces vision. Cataracts usually don’t affect sight until later in life, but they may make it difficult for your dog to adjust to bright light and dark areas. Surgery is available to correct cataracts if necessary.  
  • Heart disease: Collies are also prone to heart problems, including dilated cardiomyopathy (DCM), which causes weakness and fatigue in the limbs, as well as exercise intolerance and fainting. In young dogs, DCM can cause sudden death.  
  • Hip dysplasia: This refers to a condition in which the hip joints do not develop properly. This can result in hip arthritis and pain as the dog ages. Hip dysplasia is inherited and occurs when the thighbone does not fit correctly into its socket. It can also be caused by trauma or injury.  

What does pet insurance cover for a Collie?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Depending on the pet insurance plan, you may be covered for injury-only, illness-only, or combination. Based on your plan, you are eligible for the following coverage:

  • Diagnostic and blood tests: Pet insurance covers the cost of diagnostics and blood tests to determine the cause of your dog’s illness. This can include ultrasounds, X-rays, and other diagnostic tests. 
  • Hereditary and genetic conditions: If your Collie has a congenital or genetic disease that requires ongoing treatment, you can more likely claim it through your plan. For example, if it has hip dysplasia or is prone to cancer, you can claim those treatments.
  • X-rays and surgeries: If your Collie needs surgery or an X-ray to treat its illness, these will be covered under pet insurance, as long as they’re necessary for treating the condition and not cosmetic treatments like removing a wart from its nose! 
  • Medication and hospital stay: If your dog needs to take prescription medicines, the cost of this will be covered by pet insurance. The same goes for any hospital treatment required due to an accident or illness, such as an operation or intensive care stay. 

Pet insurance covers a range of treatments, but not preventative or wellness care. Regular check-ups with the veterinarian will not be covered under most pet insurance plans. You will need to take advantage of an individual wellness plan or see if the provider has any add-ons for wellness visits. Most providers do have it as an add-on.

Moreover, most insurance providers will not cover pre-existing conditions before registering your pet for coverage. Review everything your potential pet insurance plan covers and what types of pre-existing conditions they exclude to ensure your pet will be eligible for coverage.

How much does pet insurance cost for a Collie?

The average cost of pet insurance for a Collie is $40 to $60 a month. The monthly cost for a Collie depends on various factors. 

How are pet insurance premiums determined for a Collie?

Many factors will determine the monthly premium rate for your Collie (included but not limited to):

  • Age: Your pet’s age is an essential factor in determining premiums. Older pets typically cost more to insure because they are more likely to develop health issues like cancer and kidney disease. 
  • Location: Higher living costs in certain areas can affect your monthly premium. For example, if you live in an urban area with a high cost of living, pet insurance may be more expensive than living in a rural area with a lower cost of living. 
  • Gender: Male dogs tend to get into more fights than females, which increases their risk of injury, and this means that male dogs are more expensive to insure than females. 
  • Medical history: If your pet has had any previous injuries or illnesses requiring surgery or medication, this will affect its insurance rates because it will increase the likelihood that your pet will need those treatments again. 
  • Deductible: The deductible is the amount you pay out-of-pocket before your insurance benefits kick in. Higher deductibles typically mean lower monthly premiums. 
  • Reimbursement rate: The reimbursement rate is what you will receive if your pet gets sick or injured, and it typically ranges from 70% to 90%. The higher the reimbursement rate, the higher your premium will be. 
  • Coverage amount: The coverage amount is the maximum amount your insurance company will pay per year, per condition, and incident. The higher the coverage, the higher your premium. 

How to choose the best pet insurance plan for a Collie

Many pet insurance options are available for a Collie, so how do you choose the best one? Here are some key factors to keep in mind as you are deciding on the right plan: 

  • Budget: The amount of money you are willing to spend on your pet’s health care should be your priority when choosing a pet insurance plan. You should also consider how much your vet bills usually run and how much you’d like them to be covered by an insurance company.
  • Customer feedback: Ask friends or relatives who had used pet insurance before what their experience was like and whether or not they would recommend it to others. You can also ask your vet about their professional opinion about specific companies’ policies and services.
  • Conditions covered: When choosing a pet insurance plan, make sure it covers all the medical conditions that matter to you and your pet.
  • Reimbursement rate: The reimbursement rate is the percentage of the medical bills paid by an insurance company. The higher the reimbursement rate, the more money you will get back from the company after paying your premiums every month. 
  • Coverage amount: The coverage amount refers to the maximum amount of money paid out by the insurance company per year or lifetime. You can choose between different levels based on your budget and needs. If your budget is tight, you may consider selecting a lesser coverage amount than if you have more money available for pet insurance premiums. 
  • Deductible: A deductible is an amount you’ll have to pay out-of-pocket before your policy kicks in and starts paying for any claims arising from treatments or procedures carried out by your vet during a year. If you’re concerned about meeting monthly payments, then your best option is to select a higher deductible amount.