The best pet insurance company for Australian Shepherds is AKC due to its comprehensive coverage options, competitive rates and strong customer satisfaction scores. Other top-rated options are Rainwalk, Pets Best and Lemonade.
Australian Shepherd Insurance
Updated: September 5, 2025
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Key Takeaways
AKC is the best pet insurance company for Australian Shepherds, offering strong coverage and service quality.
Pets Best offers the cheapest pet insurance rates for Australian Shepherds, with an average monthly rate of around $24 for standard protection.
Australian Shepherd insurance costs $83 per month on average, making them the 169th most expensive dog breed to insure.
Best Australian Shepherd Pet Insurance Companies
| AKC | 4.50 | $42 | 3 | 1 |
| Rainwalk | 4.40 | $42 | 1 | 4 |
| Pets Best | 4.40 | $24 | 5 | 2 |
| Lemonade | 4.30 | $28 | 3 | 6 |
| Spot | 4.10 | $39 | 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 Shepherds
3.9/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$42Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Australian Shepherd Pet Insurance by State
AKC leads pet insurance rankings in 50 states for Australian Shepherds. Rainwalk holds the second position nationwide, ranking best in Kansas and Michigan.
| Alabama | AKC | 4.45 |
| Alabama | Rainwalk | 4.45 |
| Alaska | AKC | 4.50 |
| Arizona | AKC | 4.45 |
| Arkansas | AKC | 4.55 |
| California | AKC | 4.50 |
| Colorado | AKC | 4.50 |
| Connecticut | AKC | 4.50 |
| Delaware | AKC | 4.45 |
| Florida | AKC | 4.50 |
| Georgia | AKC | 4.45 |
| Hawaii | AKC | 4.50 |
| Idaho | AKC | 4.45 |
| Illinois | AKC | 4.50 |
| Indiana | AKC | 4.50 |
| Iowa | AKC | 4.45 |
| Kansas | AKC | 4.45 |
| Kansas | Rainwalk | 4.45 |
| Kentucky | AKC | 4.50 |
| Louisiana | AKC | 4.45 |
| Maine | AKC | 4.45 |
| Maryland | AKC | 4.45 |
| Massachusetts | AKC | 4.45 |
| Michigan | AKC | 4.40 |
| Michigan | Rainwalk | 4.40 |
| Michigan | Pets Best | 4.40 |
| Minnesota | AKC | 4.45 |
| Mississippi | AKC | 4.50 |
| Missouri | AKC | 4.50 |
| Montana | AKC | 4.50 |
| Nebraska | AKC | 4.45 |
| Nevada | AKC | 4.50 |
| New Hampshire | AKC | 4.50 |
| New Jersey | AKC | 4.45 |
| New Mexico | AKC | 4.55 |
| New York | AKC | 4.50 |
| North Carolina | AKC | 4.45 |
| North Dakota | AKC | 4.55 |
| Ohio | AKC | 4.45 |
| Oklahoma | AKC | 4.55 |
| Oregon | AKC | 4.50 |
| Pennsylvania | AKC | 4.50 |
| Rhode Island | AKC | 4.50 |
| South Carolina | AKC | 4.50 |
| South Dakota | AKC | 4.55 |
| Tennessee | AKC | 4.50 |
| Texas | AKC | 4.50 |
| Utah | AKC | 4.45 |
| Vermont | AKC | 4.50 |
| Virginia | AKC | 4.45 |
| Washington | AKC | 4.55 |
| West Virginia | AKC | 4.50 |
| Wisconsin | AKC | 4.45 |
| Wyoming | AKC | 4.50 |
*Rates are based on a 6-year-old Australian Shepherd 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 Shepherd Pet Insurance Companies
Pets Best provides the most affordable pet insurance for Australian Shepherds at $24 per month or $282 per year. Other budget-friendly options include Pumpkin, Lemonade, ASPCA and Figo.
| Pets Best | $24 | $282 | 57% |
| Pumpkin | $27 | $316 | 52% |
| Lemonade | $28 | $334 | 49% |
| ASPCA | $33 | $399 | 39% |
| Figo | $36 | $429 | 35% |
*Rates are based on a 6-year-old Australian Shepherd 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 Shepherds
MoneyGeek Rating
4.4/ 5
4.8/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$24Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Rehab Coverage
Cheapest Australian Shepherd Pet Insurance by State
Pets Best offers the most affordable Australian Shepherd insurance nationwide, ranking lowest in all 50 states. Monthly premiums range from $16 to $31, depending on location.
| Alabama | Pets Best | $18 | 59% |
| Alaska | Pets Best | $23 | 58% |
| Arizona | Pets Best | $29 | 56% |
| Arkansas | Pets Best | $16 | 59% |
| California | Pets Best | $30 | 54% |
| Colorado | Pets Best | $30 | 56% |
| Connecticut | Pets Best | $27 | 57% |
| Delaware | Pets Best | $24 | 57% |
| Florida | Pets Best | $27 | 57% |
| Georgia | Pets Best | $22 | 56% |
| Hawaii | Pets Best | $24 | 58% |
| Idaho | Pets Best | $24 | 57% |
| Illinois | Pets Best | $30 | 55% |
| Indiana | Pets Best | $22 | 56% |
| Iowa | Pets Best | $20 | 58% |
| Kansas | Pets Best | $22 | 57% |
| Kentucky | Pets Best | $19 | 59% |
| Louisiana | Pets Best | $19 | 58% |
| Maine | Pets Best | $29 | 57% |
| Maryland | Pets Best | $23 | 60% |
| Massachusetts | Pets Best | $31 | 56% |
| Michigan | Pets Best | $24 | 57% |
| Minnesota | Pets Best | $25 | 56% |
| Mississippi | Pets Best | $20 | 58% |
| Missouri | Pets Best | $19 | 58% |
| Montana | Pets Best | $20 | 58% |
| Nebraska | Pets Best | $22 | 57% |
| Nevada | Pets Best | $25 | 56% |
| New Hampshire | Pets Best | $28 | 56% |
| New Jersey | Pets Best | $27 | 56% |
| New Mexico | Pets Best | $21 | 58% |
| New York | Pets Best | $26 | 56% |
| North Carolina | Pets Best | $21 | 58% |
| North Dakota | Pets Best | $18 | 58% |
| Ohio | Pets Best | $22 | 58% |
| Oklahoma | Pets Best | $20 | 58% |
| Oregon | Pets Best | $30 | 56% |
| Pennsylvania | Pets Best | $25 | 57% |
| Rhode Island | Pets Best | $21 | 58% |
| South Carolina | Pets Best | $23 | 56% |
| South Dakota | Pets Best | $21 | 58% |
| Tennessee | Pets Best | $22 | 57% |
| Texas | Pets Best | $25 | 56% |
| Utah | Pets Best | $23 | 58% |
| Vermont | Pets Best | $22 | 58% |
| Virginia | Pets Best | $26 | 58% |
| Washington | Pets Best | $28 | 58% |
| West Virginia | Pets Best | $21 | 57% |
| Wisconsin | Pets Best | $26 | 58% |
| Wyoming | Pets Best | $22 | 57% |
*Rates are based on a 6-year-old Australian Shepherd 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 Shepherd Insurance Cost?
Monthly pet insurance for Australian Shepherds ranges from $56 to $108 depending on your state. This breed ranks 169th for insurance costs nationwide. Your actual premium will vary based on your pet's age, health and chosen coverage options.
| Alabama | $63 | $751 | -24% |
| Alaska | $82 | $982 | -1% |
| Arizona | $99 | $1,186 | 19% |
| Arkansas | $56 | $674 | -32% |
| California | $103 | $1,232 | 24% |
| Colorado | $104 | $1,245 | 25% |
| Connecticut | $95 | $1,136 | 14% |
| Delaware | $84 | $1,007 | 1% |
| Florida | $95 | $1,133 | 14% |
| Georgia | $74 | $884 | -11% |
| Hawaii | $85 | $1,017 | 2% |
| Idaho | $83 | $992 | -0% |
| Illinois | $102 | $1,218 | 23% |
| Indiana | $75 | $898 | -10% |
| Iowa | $69 | $824 | -17% |
| Kansas | $76 | $905 | -9% |
| Kentucky | $66 | $796 | -20% |
| Louisiana | $67 | $804 | -19% |
| Maine | $100 | $1,200 | 21% |
| Maryland | $87 | $1,040 | 5% |
| Massachusetts | $108 | $1,290 | 30% |
| Michigan | $84 | $1,001 | 1% |
| Minnesota | $85 | $1,019 | 3% |
| Mississippi | $72 | $857 | -14% |
| Missouri | $66 | $788 | -21% |
| Montana | $70 | $844 | -15% |
| Nebraska | $74 | $892 | -10% |
| Nevada | $85 | $1,014 | 2% |
| New Hampshire | $95 | $1,142 | 15% |
| New Jersey | $93 | $1,112 | 12% |
| New Mexico | $73 | $876 | -12% |
| New York | $91 | $1,088 | 9% |
| North Carolina | $75 | $901 | -9% |
| North Dakota | $64 | $768 | -23% |
| Ohio | $77 | $926 | -7% |
| Oklahoma | $70 | $833 | -16% |
| Oregon | $103 | $1,235 | 24% |
| Pennsylvania | $87 | $1,045 | 5% |
| Rhode Island | $73 | $879 | -12% |
| South Carolina | $79 | $950 | -4% |
| South Dakota | $75 | $892 | -10% |
| Tennessee | $77 | $917 | -8% |
| Texas | $86 | $1,026 | 3% |
| Utah | $81 | $965 | -3% |
| Vermont | $77 | $926 | -7% |
| Virginia | $91 | $1,087 | 9% |
| Washington | $96 | $1,151 | 16% |
| West Virginia | $71 | $853 | -14% |
| Wisconsin | $90 | $1,073 | 8% |
| Wyoming | $76 | $914 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Australian Shepherd. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Australian Shepherd Insurance Costs?
Australian Shepherds rank 169th in pet insurance costs, with premiums averaging $83 monthly. Breed-specific health factors drive these higher rates.
Health Predispositions
Potential Vet Costs: $2,000 to $15,000
Australian Shepherds face breed-specific health challenges that insurers consider high-risk conditions. Hip dysplasia commonly requires corrective surgery. They develop eye problems like cataracts, epilepsy and autoimmune conditions. Genetic predisposition to these health issues results in higher insurance premiums and complex coverage considerations.
Size-Related Factors
Potential Vet Cost Increase: 30% to 45% higher vet costs
Medium to large-sized dogs require more resources for medical care than smaller breeds. Australian Shepherds need higher medication doses, increased anesthesia requirements during surgery and specialized equipment. Recovery procedures require supportive devices like mobility harnesses or orthopedic beds.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $700 (Young) to $800 to $2,500 (Senior)
Australian Shepherds live 12 to 15 years, average for their size. Senior Australian Shepherds require frequent veterinary care and develop multiple health conditions needing ongoing management. Senior years show significant increases in medical expenses for joint care, vision problems and preventive screenings.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Australian Shepherds are highly energetic working dogs with strong herding instincts. Their athletic nature and intense activity levels increase their risk of sports-related injuries like cruciate ligament tears and shoulder sprains. Herding behaviors can lead to incidents requiring veterinary attention.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased demand for Australian Shepherds has raised concerns about breeding practices amplifying genetic health risks. Insurers scrutinize coverage more carefully, potentially affecting policy terms and exclusions. Selecting puppies from health-tested parents with proper breeding documentation reduces the risk of costly genetic conditions and insurance claim denials.
While Australian Shepherds share common health traits, your dog's individual health profile matters most for insurance decisions. Consider your pet's specific medical history and your budget when choosing coverage. Consult your veterinarian to identify potential health risks unique to your Australian Shepherd.
INSURANCE RISK PREVENTION
Protect your Australian Shepherd's health and reduce future veterinary costs through strategic prevention. Choose breeders who screen for MDR1 gene mutations and eye conditions, and maintain your dog's ideal weight through proper nutrition and daily exercise. Regular hip and eye examinations catch issues early, while genetic testing guides treatment decisions. Professional dental cleanings and at-home care prevent costly dental problems common in the breed.
How to Get the Best Cheap Australian Shepherd Pet Insurance
Finding affordable Australian Shepherd insurance takes some research, but these simple steps will help you save money.
- 1
Understand Your Coverage Options
Australian Shepherds have specific health needs, including potential hip and eye problems that can be expensive to treat. Review pet insurance coverage options to choose between accident-only, comprehensive, or wellness plans based on your budget and risk tolerance.
- 2
Compare Insurance Providers
Get quotes from at least three different pet insurance companies. Look for providers with strong customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Check waiting periods and exclusions before signing up. Most policies won't cover pre-existing conditions, so it's important to get insurance while your Australian Shepherd is young and healthy.
- 4
Get Multiple Online Quotes
Use online quote tools to compare prices quickly. Prices can vary by hundreds of dollars between providers for the same coverage level.
- 5
Review Coverage Annually
Mark your calendar to check rates and coverage each year at renewal time. Your dog's needs change with age, and new providers may offer better rates.
Australian Shepherd Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Australian Shepherds, while Pets Best offers the lowest monthly premiums at $24. Compare both insurers, along with other trusted options, to find coverage that matches your pet's health needs and your budget. The right policy brings peace of mind and reliable protection when your furry friend needs care.
Pet Insurance for Australian Shepherd: FAQ
Below are our expert answers to frequently asked questions about Australian Shepherd insurance:
What is the best pet insurance provider for Australian Shepherds overall?
AKC offers the best insurance for Australian Shepherds, featuring comprehensive coverage and exceptional customer experience ratings. Despite higher-than-average premiums, their extensive benefits and strong service record justify the investment.
Who offers the cheapest pet insurance for Australian Shepherds?
Pets Best provides the most affordable pet insurance for Australian Shepherds, with monthly premiums starting at $24 for standard coverage. Keep in mind that actual rates will vary based on your location and pet's specific circumstances.
How much does Australian Shepherd insurance cost?
Australian Shepherds cost an average of $83 per month to insure and rank 169th in insurance costs among dog breeds. Monthly premiums vary significantly by location, ranging from $56 to $108.
What are the most common accident and illness risks for Australian Shepherds?
Australian Shepherds commonly face hip dysplasia (causing joint pain and reduced mobility), MDR1 genetic sensitivity (affecting drug metabolism and causing severe reactions to certain medications) and eye disorders like cataracts and collie eye anomaly (leading to vision problems). These health risks are primarily linked to the breed's genetic predisposition and herding dog ancestry.
How We Found the Best and Cheapest Australian Shepherd 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 Shepherds. 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 Shepherds.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Australian Shepherd
- $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.