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: June 11, 2026
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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.
For Australian Cattle Dogs, pet 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
*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.
Our best guides can help you determine the best pet insurance option for your Australian Cattle Dog across different situations:
AKC
Best for Australian Cattle Dogs
MoneyGeek Rating
4.4/ 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$48Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Unique 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 all 50 states. Pets Best leads in Michigan, offering competitive coverage options for cattle dog owners.
| Alabama | AKC | 4.4 |
| Alaska | AKC | 4.4 |
| Arizona | AKC | 4.4 |
| Arkansas | AKC | 4.45 |
| California | AKC | 4.4 |
| Colorado | AKC | 4.4 |
| Connecticut | AKC | 4.4 |
| Delaware | AKC | 4.4 |
| Florida | AKC | 4.45 |
| Georgia | AKC | 4.4 |
| Hawaii | AKC | 4.4 |
| Idaho | AKC | 4.4 |
| Illinois | AKC | 4.4 |
| Indiana | AKC | 4.45 |
| Iowa | AKC | 4.4 |
| Kansas | AKC | 4.4 |
| Kentucky | AKC | 4.45 |
| Louisiana | AKC | 4.4 |
| Maine | AKC | 4.4 |
| Maryland | AKC | 4.35 |
| Massachusetts | AKC | 4.35 |
| Michigan | AKC | 4.3 |
| Michigan | Rainwalk | 4.3 |
| Michigan | Pets Best | 4.3 |
| Minnesota | AKC | 4.4 |
| Mississippi | AKC | 4.4 |
| Missouri | AKC | 4.4 |
| Montana | AKC | 4.4 |
| Nebraska | AKC | 4.4 |
| Nevada | AKC | 4.4 |
| New Hampshire | AKC | 4.4 |
| New Jersey | AKC | 4.4 |
| New Mexico | AKC | 4.45 |
| New York | AKC | 4.4 |
| North Carolina | AKC | 4.4 |
| North Dakota | AKC | 4.45 |
| Ohio | AKC | 4.4 |
| Oklahoma | AKC | 4.5 |
| Oregon | AKC | 4.4 |
| Pennsylvania | AKC | 4.4 |
| Rhode Island | AKC | 4.45 |
| South Carolina | AKC | 4.45 |
| South Dakota | AKC | 4.45 |
| Tennessee | AKC | 4.4 |
| Texas | AKC | 4.4 |
| Utah | AKC | 4.35 |
| Vermont | AKC | 4.4 |
| Virginia | AKC | 4.35 |
| Washington | AKC | 4.5 |
| West Virginia | AKC | 4.4 |
| 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 is the cheapest pet insurance option for Australian Cattle Dogs at $32 per month or $389 per year. Lemonade, Pumpkin, ASPCA and Figo also offer budget-friendly rates.
| 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 Points
Average Monthly Rate
$32Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedUnique 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, including your deductible, annual limit and reimbursement rate, on your pet's health profile and veterinary care budget.
INSURANCE RISK PREVENTION
Keep your Australian Cattle Dog at a healthy weight with regular exercise and a balanced diet. Ask breeders about screening histories for hip dysplasia and eye conditions before committing to a puppy. Schedule annual vet checkups that include hearing tests, since the breed has a higher risk of congenital deafness. Mental stimulation through training and daily activities also supports long-term health.
How to Get the Best Cheap Australian Cattle Dog Pet Insurance
Once you've determined pet insurance is worth it, follow the steps below.
- 1Evaluate 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.
- 2Compare Insurance Providers
Get quotes from at least three insurers. Review customer feedback and check each provider's claim processing times and approval rates. Rates vary by company even for the same deductible, annual limit and reimbursement rate, so also check available pet insurance discounts before choosing.
- 3Review Policy Details
Check reimbursement terms, pre-existing condition exclusions and coverage limitations before enrolling. Most policies require 14- to 30-day waiting periods before coverage starts, with longer waits for specific conditions.
- 4Review Coverage Annually
Schedule yearly policy reviews before renewing your coverage to reassess your dog's needs and compare new quotes.
Australian Cattle Dog Dog Insurance: Bottom Line
AKC is the top pet insurance provider for Australian Cattle Dogs. For the lowest monthly premiums, Pets Best is the stronger pick. Compare both, along with other trusted options, to find a plan that fits your dog's health needs and budget. The right policy gives you financial protection when your dog needs care most.
Learn more about the best pet insurance providers for your Australian Cattle Dog:
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, with strong coverage options and top customer service ratings. It costs more than average, but its benefits and service record justify the higher premium.
Who offers the cheapest pet insurance for Australian Cattle Dogs?
Pets Best offers the most affordable pet insurance for Australian Cattle Dogs at $32 per month. Rates vary by location, your dog's age and other factors.
How much does Australian Cattle Dog insurance cost?
Australian Cattle Dogs cost an average of $97 per month to insure, ranking 126th among the most expensive breeds. Monthly premiums range from $66 to $126 depending on location.
What are the most common accident and illness risks for Australian Cattle Dogs?
Australian Cattle Dogs commonly experience hip dysplasia, progressive retinal atrophy and deafness. Hip dysplasia causes joint pain and limits mobility. Progressive retinal atrophy leads to gradual vision loss. Deafness is an inherited condition that can affect one or both ears, and is more common in merle-coated dogs.
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%): MoneyGeek compared rates across all profiles and factor combinations, then scored each company against competitors. Discounts were a minor factor, since variation between providers is small.
- Customer Experience (30%): We aggregated sentiment data from across the internet, scoring each company by its share of positive, neutral and negative reviews.
- Coverage (20%): We reviewed full contract details for every provider in every state, including add-on options, inclusions, exclusions and restrictions. Coverage options can differ by state, so check what's available in your location before enrolling.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.