The best pet insurance company for Border Collies is AKC due to its strong customer satisfaction scores and comprehensive coverage options. Other excellent providers are Rainwalk, Pets Best and Lemonade.
Border Collie Insurance
Updated: September 2, 2025
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Key Takeaways
AKC is the best pet insurance company for Border Collies, offering strong coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for Border Collies, with average rates of around $39 monthly for standard protection.
The average monthly premium for Border Collies is $87, ranking them as the 62nd most expensive dog breed to insure.
Best Border Collie Pet Insurance Companies
| AKC | 4.45 | $45 | 3 | 1 |
| Rainwalk | 4.35 | $45 | 1 | 4 |
| Pets Best | 4.30 | $30 | 5 | 2 |
| Lemonade | 4.30 | $31 | 3 | 6 |
| Spot | 4.05 | $41 | 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 Border Collies
MoneyGeek Rating
4.5/ 5
4.3/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$45Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Border Collie Pet Insurance by State
AKC leads Border Collie insurance coverage in all 50 states nationwide. Rainwalk ranks highest in three states - Illinois, Michigan and Virginia - offering strong regional coverage options.
| Alabama | AKC | 4.45 |
| Alaska | AKC | 4.45 |
| Arizona | AKC | 4.45 |
| Arkansas | AKC | 4.50 |
| California | AKC | 4.45 |
| Colorado | AKC | 4.45 |
| Connecticut | AKC | 4.45 |
| Delaware | AKC | 4.45 |
| Florida | AKC | 4.45 |
| Georgia | AKC | 4.40 |
| Hawaii | AKC | 4.45 |
| Idaho | AKC | 4.45 |
| Illinois | AKC | 4.45 |
| Illinois | Rainwalk | 4.45 |
| Indiana | AKC | 4.50 |
| Iowa | AKC | 4.45 |
| Kansas | AKC | 4.45 |
| Kentucky | AKC | 4.50 |
| Louisiana | AKC | 4.45 |
| Maine | AKC | 4.45 |
| Maryland | AKC | 4.40 |
| Massachusetts | AKC | 4.40 |
| Michigan | Rainwalk | 4.35 |
| Michigan | AKC | 4.35 |
| Minnesota | AKC | 4.40 |
| Mississippi | AKC | 4.45 |
| Missouri | AKC | 4.45 |
| Montana | AKC | 4.45 |
| Nebraska | AKC | 4.45 |
| Nevada | AKC | 4.45 |
| New Hampshire | AKC | 4.45 |
| New Jersey | AKC | 4.40 |
| New Mexico | AKC | 4.50 |
| New York | AKC | 4.45 |
| North Carolina | AKC | 4.45 |
| North Dakota | AKC | 4.50 |
| Ohio | AKC | 4.40 |
| Oklahoma | AKC | 4.50 |
| Oregon | AKC | 4.45 |
| Pennsylvania | AKC | 4.45 |
| Rhode Island | AKC | 4.50 |
| South Carolina | AKC | 4.45 |
| South Dakota | AKC | 4.50 |
| Tennessee | AKC | 4.45 |
| Texas | AKC | 4.45 |
| Utah | AKC | 4.40 |
| Vermont | AKC | 4.45 |
| Virginia | AKC | 4.40 |
| Virginia | Rainwalk | 4.40 |
| Washington | AKC | 4.55 |
| West Virginia | AKC | 4.45 |
| Wisconsin | AKC | 4.40 |
| Wyoming | AKC | 4.45 |
*Rates are based on a 6-year-old Border Collie 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 Border Collie Pet Insurance Companies
Pumpkin provides the lowest-cost pet insurance for Border Collies at $27 per month or $316 per year. Other budget-friendly providers include Pets Best, Lemonade, ASPCA and Figo.
| Pumpkin | $27 | $316 | 52% |
| Pets Best | $30 | $357 | 46% |
| Lemonade | $31 | $369 | 44% |
| ASPCA | $35 | $413 | 37% |
| Figo | $37 | $450 | 31% |
*Rates are based on a 6-year-old Border Collie with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for Border Collies
MoneyGeek Rating
4/ 5
4.7/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$27Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Physical therapy coverage
Cheapest Border Collie Pet Insurance by State
Pumpkin offers the most affordable pet insurance for Border Collies in the U.S., ranking lowest in 50 states. Monthly premiums range from $18 to $35, depending on your location.
| Alabama | Pumpkin | $20 | 54% |
| Alaska | Pumpkin | $26 | 53% |
| Arizona | Pumpkin | $33 | 50% |
| Arkansas | Pumpkin | $18 | 54% |
| California | Pumpkin | $34 | 49% |
| Colorado | Pumpkin | $34 | 51% |
| Connecticut | Pumpkin | $31 | 51% |
| Delaware | Pumpkin | $27 | 52% |
| Florida | Pumpkin | $30 | 51% |
| Georgia | Pumpkin | $24 | 51% |
| Hawaii | Pumpkin | $27 | 53% |
| Idaho | Pumpkin | $27 | 51% |
| Illinois | Pumpkin | $33 | 50% |
| Indiana | Pumpkin | $24 | 51% |
| Iowa | Pumpkin | $23 | 53% |
| Kansas | Pumpkin | $24 | 52% |
| Kentucky | Pumpkin | $21 | 54% |
| Louisiana | Pumpkin | $22 | 53% |
| Maine | Pumpkin | $33 | 52% |
| Maryland | Pumpkin | $26 | 56% |
| Massachusetts | Pumpkin | $35 | 51% |
| Michigan | Pumpkin | $27 | 52% |
| Minnesota | Pumpkin | $28 | 51% |
| Mississippi | Pumpkin | $23 | 53% |
| Missouri | Pumpkin | $21 | 53% |
| Montana | Pumpkin | $22 | 53% |
| Nebraska | Pumpkin | $24 | 52% |
| Nevada | Pumpkin | $28 | 51% |
| New Hampshire | Pumpkin | $31 | 51% |
| New Jersey | Pumpkin | $30 | 51% |
| New Mexico | Pumpkin | $24 | 53% |
| New York | Pumpkin | $29 | 51% |
| North Carolina | Pumpkin | $24 | 53% |
| North Dakota | Pumpkin | $21 | 53% |
| Ohio | Pumpkin | $25 | 53% |
| Oklahoma | Pumpkin | $22 | 53% |
| Oregon | Pumpkin | $33 | 51% |
| Pennsylvania | Pumpkin | $28 | 52% |
| Rhode Island | Pumpkin | $23 | 52% |
| South Carolina | Pumpkin | $25 | 51% |
| South Dakota | Pumpkin | $24 | 53% |
| Tennessee | Pumpkin | $25 | 51% |
| Texas | Pumpkin | $28 | 50% |
| Utah | Pumpkin | $26 | 53% |
| Vermont | Pumpkin | $25 | 52% |
| Virginia | Pumpkin | $29 | 53% |
| Washington | Pumpkin | $31 | 53% |
| West Virginia | Pumpkin | $23 | 52% |
| Wisconsin | Pumpkin | $29 | 53% |
| Wyoming | Pumpkin | $25 | 51% |
*Rates are based on a 6-year-old Border Collie 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 Border Collie Insurance Cost?
Depending on your state, pet insurance costs for Border Collies range from $81 to $154 per month, making them the 62nd most expensive dog breed to insure. However, this represents an average across all coverage types available on the market, so your pricing will vary based on your dog and preferred coverage level.
| Alabama | $65 | $785 | -24% |
| Alaska | $86 | $1,027 | -1% |
| Arizona | $103 | $1,240 | 19% |
| Arkansas | $59 | $705 | -32% |
| California | $107 | $1,288 | 24% |
| Colorado | $109 | $1,302 | 25% |
| Connecticut | $99 | $1,188 | 14% |
| Delaware | $88 | $1,053 | 1% |
| Florida | $99 | $1,184 | 14% |
| Georgia | $77 | $924 | -11% |
| Hawaii | $89 | $1,063 | 2% |
| Idaho | $86 | $1,037 | -0% |
| Illinois | $106 | $1,273 | 23% |
| Indiana | $78 | $939 | -10% |
| Iowa | $72 | $861 | -17% |
| Kansas | $79 | $946 | -9% |
| Kentucky | $69 | $832 | -20% |
| Louisiana | $70 | $841 | -19% |
| Maine | $105 | $1,254 | 21% |
| Maryland | $91 | $1,087 | 5% |
| Massachusetts | $112 | $1,348 | 30% |
| Michigan | $87 | $1,046 | 1% |
| Minnesota | $89 | $1,065 | 3% |
| Mississippi | $75 | $895 | -14% |
| Missouri | $69 | $824 | -21% |
| Montana | $74 | $882 | -15% |
| Nebraska | $78 | $933 | -10% |
| Nevada | $88 | $1,060 | 2% |
| New Hampshire | $100 | $1,194 | 15% |
| New Jersey | $97 | $1,162 | 12% |
| New Mexico | $76 | $916 | -12% |
| New York | $95 | $1,137 | 9% |
| North Carolina | $79 | $942 | -9% |
| North Dakota | $67 | $803 | -23% |
| Ohio | $81 | $968 | -7% |
| Oklahoma | $73 | $871 | -16% |
| Oregon | $108 | $1,291 | 24% |
| Pennsylvania | $91 | $1,093 | 5% |
| Rhode Island | $77 | $919 | -12% |
| South Carolina | $83 | $994 | -4% |
| South Dakota | $78 | $933 | -10% |
| Tennessee | $80 | $958 | -8% |
| Texas | $89 | $1,072 | 3% |
| Utah | $84 | $1,008 | -3% |
| Vermont | $81 | $968 | -7% |
| Virginia | $95 | $1,136 | 9% |
| Washington | $100 | $1,203 | 16% |
| West Virginia | $74 | $892 | -14% |
| Wisconsin | $94 | $1,122 | 8% |
| Wyoming | $80 | $955 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Border Collie. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Border Collie Insurance Costs?
Border Collies rank as the 62nd most expensive dog breed to insure, and several breed-specific factors drive these higher rates. Here's why Border Collies cost more to insure (and what you can do about it):
Health Predispositions
Potential Vet Costs: $2,000 to $15,000
Border Collies face breed-specific health challenges that increase insurance premiums. Hip dysplasia commonly requires costly corrective surgery in this breed. Border Collies also develop eye problems like Collie Eye Anomaly, epilepsy and autoimmune conditions. These hereditary conditions increase veterinary expenses, making comprehensive coverage essential.
Size-Related Factors
Potential Vet Cost Increase: 20% to 35% higher vet costs
Border Collies weigh 30 to 45 pounds and require moderate medication doses for medium-sized dogs. Their athletic build and high activity level impact recovery times after surgery or injury. Physical therapy, mobility aids and specialized rehabilitation equipment may be necessary, contributing to overall treatment costs.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $700 (Young) to $800 to $2,500 (Senior)
Border Collies live 12 to 15 years, average for medium-sized dogs. Senior years begin around age 8, when Border Collies require frequent veterinary care and age-related condition management. Regular health screenings, dental care and chronic condition treatment become increasingly important, leading to higher annual medical expenses.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Border Collies are exceptionally energetic working dogs with intense herding instincts. Their high-drive personality and athletic nature increase their risks of sports injuries, including cruciate ligament tears and shoulder injuries. Border Collie intelligence makes them trainable, but intense focus and herding behaviors can lead to accidents requiring veterinary care.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Poor breeding practices have increased genetic health issues in Border Collies. Insurance providers may require detailed health records or limit coverage for inherited conditions. Getting puppies from health-tested parents with proper breeding documentation reduces future medical expenses and coverage limitations.
Border Collie insurance costs depend on your dog's health profile and risk factors. Pet insurance decisions should align with your pet's needs and financial situation. Consult your veterinarian about your Border Collie's specific health risks.
INSURANCE RISK PREVENTION
With the right approach, you can lower your Border Collie's health risks. Start with a proper diet and exercise to keep your dog at an ideal weight. When choosing a puppy, health-tested breeding lines matter. Preventive gastropexy surgery is a smart move for bloat prevention. After meals, keep your Border Collie calm; no running around. Regular vet checkups catch joint and spinal issues before they become expensive problems.
How to Get the Best Cheap Border Collie Pet Insurance
Getting affordable Border Collie insurance requires some homework. Follow these steps:
- 1
Decide on coverage needs before buying
Before getting a policy for your Border Collie, decide whether coverage is a good idea and, if so, how much is appropriate. If you want coverage, understand risks specific to your dog's breed and how much illnesses and accidents cost. We also have a pet insurance coverage guide to help you start researching.
- 2
Research costs and providers
Understanding average costs for the specific coverage you want for your pet helps you create a baseline to understand how much you can save with different providers. Researching provider options and customer experiences also gives you a balanced perspective before getting quotes.
- 3
Before signing, read the fine print
Just because you buy coverage doesn't mean it works immediately; often, there's a waiting period before covered events can be reimbursed. Look at other terms and conditions to thoroughly understand each policy. Many offer sample plans online by state, which are easy to access.
- 4
Compare multiple quotes online
Every pet insurance provider in the U.S. offers quotes and an entirely online buying process, often under 2 minutes. So get as many quotes as possible to get the best deal.
- 5
Reassess every year before renewing
Pet insurance rates fluctuate over time, so search and repeat this process to ensure you get a good deal at every stage of your dog's life.
Border Collie Dog Insurance: Bottom Line
AKC and Pumpkin are the best and cheapest pet insurance companies, respectively, for Border Collies. Still, compare them with our other provider recommendations and thoroughly research them to make the best decision for your Border Collie's unique needs. The right pet insurance can provide peace of mind and ensure your loyal companion gets the care they deserve when health issues arise.
Pet Insurance for Border Collie: FAQ
Below are our expert answers to frequently asked questions about Border Collie insurance:
Who is the best pet insurance provider overall?
AKC is the best pet insurance provider, primarily due to its excellent customer service and coverage for preexisting conditions. While it's more expensive than the national average, it may be well worth it to cover what most insurers won't for your dog.
Who offers the cheapest pet insurance for Border Collies?
Pumpkin offers the lowest pet insurance rates for Border Collies, starting at $26 monthly for basic coverage. For standard coverage levels, expect to pay around $39 monthly.
How much does Border Collie insurance cost?
Border Collies are the 62nd most expensive dog breed to insure, with an average pet insurance cost of $119 per month. However, this varies widely by state, with monthly pricing ranging from $81 to $154.
What are the most common accident and illness risks for Border Collies?
The three most common risks for Border Collies are hip and elbow dysplasia (joint malformation causing arthritis and mobility issues), bloat (a life-threatening stomach-twisting emergency) and degenerative myelopathy (progressive spinal cord disease leading to hind leg weakness and paralysis). Due to the Border Collie's size and body structure, these conditions are largely genetic and breed-specific.
How We Found the Best and Cheapest Border Collie Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Border Collies. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Border Collies.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Border Collie
- $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.