The best pet insurance company for Australian Cattle Dogs is AKC due to its comprehensive coverage options and strong customer service ratings. Other top-rated providers are Pets Best, Rainwalk and Lemonade.
Australian Cattle Dog Insurance
Updated: September 5, 2025
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Key Takeaways
AKC is the best pet insurance company for Australian Cattle Dogs, offering strong coverage and service quality.
Pets Best offers the cheapest pet insurance rates for Australian Cattle Dogs, with an average monthly rate of around $32 for standard protection.
Australian Cattle Dog insurance costs an average of $97 per month, making them the 126th most expensive dog breed to insure.
Best Australian Cattle Dog Pet Insurance Companies
| AKC | 4.40 | $48 | 3 | 1 |
| Pets Best | 4.30 | $32 | 5 | 2 |
| Rainwalk | 4.25 | $50 | 1 | 4 |
| Lemonade | 4.25 | $34 | 3 | 6 |
| Spot | 4.00 | $48 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
AKC
Best for Australian Cattle Dogs
MoneyGeek Rating
4.4/ 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$48Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Australian Cattle Dog Pet Insurance by State
AKC ranks as the top pet insurance provider for Australian Cattle Dogs in 50 states nationwide. Meanwhile, Pets Best leads in Michigan, offering competitive coverage options for cattle dog owners in the Great Lakes State.
| Alabama | AKC | 4.40 |
| Alaska | AKC | 4.40 |
| Arizona | AKC | 4.40 |
| Arkansas | AKC | 4.45 |
| California | AKC | 4.40 |
| Colorado | AKC | 4.40 |
| Connecticut | AKC | 4.40 |
| Delaware | AKC | 4.40 |
| Florida | AKC | 4.45 |
| Georgia | AKC | 4.40 |
| Hawaii | AKC | 4.40 |
| Idaho | AKC | 4.40 |
| Illinois | AKC | 4.40 |
| Indiana | AKC | 4.45 |
| Iowa | AKC | 4.40 |
| Kansas | AKC | 4.40 |
| Kentucky | AKC | 4.45 |
| Louisiana | AKC | 4.40 |
| Maine | AKC | 4.40 |
| Maryland | AKC | 4.35 |
| Massachusetts | AKC | 4.35 |
| Michigan | AKC | 4.30 |
| Michigan | Rainwalk | 4.30 |
| Michigan | Pets Best | 4.30 |
| Minnesota | AKC | 4.40 |
| Mississippi | AKC | 4.40 |
| Missouri | AKC | 4.40 |
| Montana | AKC | 4.40 |
| Nebraska | AKC | 4.40 |
| Nevada | AKC | 4.40 |
| New Hampshire | AKC | 4.40 |
| New Jersey | AKC | 4.40 |
| New Mexico | AKC | 4.45 |
| New York | AKC | 4.40 |
| North Carolina | AKC | 4.40 |
| North Dakota | AKC | 4.45 |
| Ohio | AKC | 4.40 |
| Oklahoma | AKC | 4.50 |
| Oregon | AKC | 4.40 |
| Pennsylvania | AKC | 4.40 |
| Rhode Island | AKC | 4.45 |
| South Carolina | AKC | 4.45 |
| South Dakota | AKC | 4.45 |
| Tennessee | AKC | 4.40 |
| Texas | AKC | 4.40 |
| Utah | AKC | 4.35 |
| Vermont | AKC | 4.40 |
| Virginia | AKC | 4.35 |
| Washington | AKC | 4.50 |
| West Virginia | AKC | 4.40 |
| Wisconsin | AKC | 4.35 |
| Wyoming | AKC | 4.45 |
*Rates are based on a 6-year-old Australian Cattle Dog with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Australian Cattle Dog Pet Insurance Companies
Pets Best provides the most affordable pet insurance for Australian Cattle Dogs at $32 per month or $389 per year. Other budget-friendly options include Lemonade, Pumpkin, ASPCA and Figo.
| Pets Best | $32 | $389 | 41% |
| Lemonade | $34 | $402 | 39% |
| Pumpkin | $37 | $447 | 32% |
| ASPCA | $40 | $483 | 26% |
| Figo | $41 | $494 | 25% |
*Rates are based on a 6-year-old Australian Cattle Dog with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pets Best
Cheapest Pet Insurance for Australian Cattle Dogs
MoneyGeek Rating
4.3/ 5
4.6/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$32Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Rehab Coverage
Cheapest Australian Cattle Dog Pet Insurance by State
Pets Best offers the most budget-friendly insurance for Australian Cattle Dogs, ranking as the cheapest option in all 50 states. Monthly premiums range from $22 to $42, depending on your location.
| Alabama | Pets Best | $24 | 44% |
| Alaska | Pets Best | $32 | 42% |
| Arizona | Pets Best | $40 | 39% |
| Arkansas | Pets Best | $22 | 44% |
| California | Pets Best | $41 | 37% |
| Colorado | Pets Best | $41 | 40% |
| Connecticut | Pets Best | $37 | 40% |
| Delaware | Pets Best | $33 | 41% |
| Florida | Pets Best | $37 | 40% |
| Georgia | Pets Best | $29 | 40% |
| Hawaii | Pets Best | $33 | 42% |
| Idaho | Pets Best | $33 | 40% |
| Illinois | Pets Best | $40 | 39% |
| Indiana | Pets Best | $29 | 40% |
| Iowa | Pets Best | $27 | 42% |
| Kansas | Pets Best | $30 | 41% |
| Kentucky | Pets Best | $26 | 44% |
| Louisiana | Pets Best | $26 | 42% |
| Maine | Pets Best | $39 | 41% |
| Maryland | Pets Best | $32 | 45% |
| Massachusetts | Pets Best | $42 | 39% |
| Michigan | Pets Best | $33 | 41% |
| Minnesota | Pets Best | $34 | 40% |
| Mississippi | Pets Best | $28 | 42% |
| Missouri | Pets Best | $26 | 42% |
| Montana | Pets Best | $27 | 42% |
| Nebraska | Pets Best | $29 | 41% |
| Nevada | Pets Best | $34 | 40% |
| New Hampshire | Pets Best | $38 | 39% |
| New Jersey | Pets Best | $37 | 39% |
| New Mexico | Pets Best | $29 | 42% |
| New York | Pets Best | $35 | 40% |
| North Carolina | Pets Best | $29 | 43% |
| North Dakota | Pets Best | $25 | 42% |
| Ohio | Pets Best | $30 | 42% |
| Oklahoma | Pets Best | $27 | 42% |
| Oregon | Pets Best | $40 | 39% |
| Pennsylvania | Pets Best | $34 | 41% |
| Rhode Island | Pets Best | $28 | 42% |
| South Carolina | Pets Best | $31 | 40% |
| South Dakota | Pets Best | $29 | 43% |
| Tennessee | Pets Best | $30 | 40% |
| Texas | Pets Best | $34 | 39% |
| Utah | Pets Best | $31 | 42% |
| Vermont | Pets Best | $30 | 42% |
| Virginia | Pets Best | $35 | 42% |
| Washington | Pets Best | $37 | 43% |
| West Virginia | Pets Best | $28 | 40% |
| Wisconsin | Pets Best | $35 | 42% |
| Wyoming | Pets Best | $30 | 40% |
*Rates are based on a 6-year-old Australian Cattle Dog with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Australian Cattle Dog Insurance Cost?
Monthly insurance premiums for Australian Cattle Dogs range from $66 to $126 across the U.S., ranking as the 126th most expensive breed to insure. Your costs will vary based on your location and chosen coverage options.
| Alabama | $73 | $879 | -24% |
| Alaska | $96 | $1,150 | -1% |
| Arizona | $116 | $1,388 | 19% |
| Arkansas | $66 | $789 | -32% |
| California | $120 | $1,442 | 24% |
| Colorado | $121 | $1,458 | 25% |
| Connecticut | $111 | $1,330 | 14% |
| Delaware | $98 | $1,179 | 1% |
| Florida | $110 | $1,326 | 14% |
| Georgia | $86 | $1,035 | -11% |
| Hawaii | $99 | $1,190 | 2% |
| Idaho | $97 | $1,161 | -0% |
| Illinois | $119 | $1,426 | 23% |
| Indiana | $87 | $1,051 | -10% |
| Iowa | $80 | $965 | -17% |
| Kansas | $88 | $1,059 | -9% |
| Kentucky | $78 | $932 | -20% |
| Louisiana | $78 | $941 | -19% |
| Maine | $117 | $1,404 | 21% |
| Maryland | $101 | $1,217 | 5% |
| Massachusetts | $126 | $1,509 | 30% |
| Michigan | $98 | $1,172 | 1% |
| Minnesota | $99 | $1,193 | 3% |
| Mississippi | $84 | $1,003 | -14% |
| Missouri | $77 | $923 | -21% |
| Montana | $82 | $988 | -15% |
| Nebraska | $87 | $1,044 | -10% |
| Nevada | $99 | $1,187 | 2% |
| New Hampshire | $111 | $1,337 | 15% |
| New Jersey | $108 | $1,302 | 12% |
| New Mexico | $85 | $1,025 | -12% |
| New York | $106 | $1,273 | 9% |
| North Carolina | $88 | $1,055 | -9% |
| North Dakota | $75 | $899 | -23% |
| Ohio | $90 | $1,084 | -7% |
| Oklahoma | $81 | $975 | -16% |
| Oregon | $120 | $1,446 | 24% |
| Pennsylvania | $102 | $1,223 | 5% |
| Rhode Island | $86 | $1,029 | -12% |
| South Carolina | $93 | $1,114 | -4% |
| South Dakota | $87 | $1,044 | -10% |
| Tennessee | $89 | $1,073 | -8% |
| Texas | $100 | $1,201 | 3% |
| Utah | $94 | $1,129 | -3% |
| Vermont | $90 | $1,083 | -7% |
| Virginia | $106 | $1,272 | 9% |
| Washington | $112 | $1,347 | 16% |
| West Virginia | $83 | $999 | -14% |
| Wisconsin | $105 | $1,256 | 8% |
| Wyoming | $89 | $1,070 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Australian Cattle Dog. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Australian Cattle Dog Insurance Costs?
Australian Cattle Dogs rank as the 126th most expensive breed to insure, with premiums averaging $97 monthly. Breed-specific health risks and activity levels drive these costs.
Health Predispositions
Potential Vet Costs: $2,000 to $15,000
Australian Cattle Dogs face high-risk health challenges that increase insurance premiums. Progressive retinal atrophy requires specialized treatment and ongoing care. Hip dysplasia, deafness and cataracts create lifetime veterinary expenses. Coverage for genetic conditions may require additional health screenings or face coverage limitations.
Size-Related Factors
Potential Vet Cost Increase: 30% to 45% higher vet costs
Medium-sized Australian Cattle Dogs weighing 35 to 50 pounds require moderate medication doses and standard surgical equipment. Their muscular build and high activity level complicate recoveries, often requiring specialized rehabilitation equipment and physical therapy after orthopedic procedures.
Lifespan Considerations
Annual Vet Costs By Age: $300 to $700 (Young) to $1,200 to $3,500 (Senior)
Australian Cattle Dogs live 12 to 16 years, developing chronic conditions requiring ongoing management as they age. Senior years bring increased veterinary costs from frequent health screenings and treatment for arthritis and dental disease.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
High-energy Australian Cattle Dogs face increased sports injury risks, including cruciate ligament tears and muscle strains. Their herding instincts can create reactive behaviors that may affect liability coverage options.
Breeding-Related Issues
Potential Vet Costs: $2,500 to $12,000
Irresponsible breeding increases hereditary health risks, particularly hip problems and eye conditions. Insurance providers may require health screenings or limit genetic condition coverage. Proper breeding documentation helps reduce future medical expenses.
Australian Cattle Dogs vary individually from breed averages. Base your insurance decisions on your pet's health profile and veterinary care budget.
INSURANCE RISK PREVENTION
Protect your Australian Cattle Dog's health by maintaining a healthy weight through proper diet and daily exercise. Choose breeders who screen for hip dysplasia and eye problems, and schedule regular veterinary checkups, including hearing tests. Early detection through routine health screenings helps prevent costly treatments later. Keep your dog mentally stimulated with training and activities to support overall well-being.
How to Get the Best Cheap Australian Cattle Dog Pet Insurance
Getting affordable Australian Cattle Dog insurance requires some research. Follow these steps:
- 1
Evaluate Your Coverage Needs
Australian Cattle Dogs have breed-specific health risks that affect insurance costs. Review pet insurance coverage options and consider your dog's age, health history and hereditary condition risks when selecting coverage levels and deductibles.
- 2
Compare Insurance Providers
Get quotes from at least three insurers. Review customer feedback and check each provider's claim approval rates and processing times.
- 3
Review Policy Details
Check waiting periods, pre-existing condition exclusions and coverage limitations before enrolling. Most policies require 14- to 30-day waiting periods before coverage begins, with longer periods for specific conditions.
- 4
Get Multiple Online Quotes
Use online quote tools to compare prices across providers. Rates vary significantly between companies for identical coverage levels.
- 5
Review Coverage Annually
Schedule yearly policy reviews to reassess your dog's needs and compare new quotes. Australian Cattle Dog health needs change with age, and new providers may offer competitive rates.
Australian Cattle Dog Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Australian Cattle Dogs, while Pets Best offers the lowest monthly premiums. Compare both, along with other trusted options, to find the plan that matches your pet's health needs and your budget. The right policy brings peace of mind and reliable coverage when your furry friend needs care.
Pet Insurance for Australian Cattle Dog: FAQ
Below are our expert answers to frequently asked questions about Australian Cattle Dog insurance:
What is the best pet insurance provider for Australian Cattle Dogs overall?
AKC offers the best insurance for Australian Cattle Dogs, delivering comprehensive coverage and exceptional customer experience. Despite higher-than-average premiums, their extensive benefits and strong service record make them a valuable choice.
Who offers the cheapest pet insurance for Australian Cattle Dogs?
Pets Best provides the most affordable pet insurance for Australian Cattle Dogs at $32 per month for standard coverage. Final rates will vary depending on your location, pet's age, and other individual factors.
How much does Australian Cattle Dog insurance cost?
Australian Cattle Dogs cost an average of $97 per month to insure and rank as the 126th most expensive breed. Monthly premiums vary significantly by location, ranging from $66 to $126.
What are the most common accident and illness risks for Australian Cattle Dogs?
Australian Cattle Dogs commonly face hip dysplasia (causing joint pain and reduced mobility), progressive retinal atrophy (gradual vision loss leading to blindness), and deafness (inherited hearing loss affecting one or both ears). These health concerns are primarily linked to the breed's genetic predisposition and herding background.
How We Found the Best and Cheapest Australian Cattle Dog Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Australian Cattle Dogs. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Australian Cattle Dogs.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Australian Cattle Dog
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.