AKC ranks as the best pet insurance for Border Collies because of its strong customer satisfaction scores and comprehensive coverage options. Rainwalk, Pets Best and Lemonade also provide excellent coverage.
Border Collie Insurance
Updated: October 24, 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 nationwide in all 50 states. Rainwalk ranks highest in Illinois, Michigan and Virginia, offering strong regional coverage.
| 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 nationwide, ranking lowest in all 50 states. Monthly premiums range from $18 to $35, depending on 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?
Pet insurance for Border Collies costs between $81 and $154 monthly, depending on your state. This makes them the 62nd most expensive dog breed to insure. Your actual pricing will vary based on your dog's profile 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. Several breed-specific factors drive these costs:
Health Predispositions
Potential Vet Costs: $2,000 to $15,000
Border Collies develop breed-specific health challenges that increase insurance premiums. Hip dysplasia commonly requires costly corrective surgery.
They also develop eye problems like Collie Eye Anomaly, epilepsy and autoimmune conditions. These hereditary conditions increase veterinary expenses and make 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 they 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 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. Consult your veterinarian about your Border Collie's specific health risks.
INSURANCE RISK PREVENTION
You can lower your Border Collie's health risks with the right approach. Start with proper diet and exercise to maintain ideal weight. When choosing a puppy, health-tested breeding lines matter.
Preventive gastropexy surgery prevents bloat complications. Keep your Border Collie calm after meals—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:
- 1Decide on coverage needs before buying
Determine whether coverage makes sense and how much you need. Understand risks specific to Border Collies and typical costs for illnesses and accidents. Our pet insurance coverage guide helps you start researching.
- 2Research costs and providers
Understanding average costs for your desired coverage helps establish a baseline for potential savings. Research provider options and customer experiences for a balanced perspective before getting quotes.
- 3Before signing, read the fine print
Coverage doesn't work immediately—waiting periods apply before reimbursement. Review terms and conditions to understand each policy. Many providers offer sample plans online by state.
- 4Compare multiple quotes online
Every pet insurance provider offers quotes and online purchasing, often under 2 minutes. Get multiple quotes to find the best deal.
- 5Reassess every year before renewing
Pet insurance rates fluctuate. Repeat this process yearly to get good deals at every stage of your dog's life.
Border Collie Dog Insurance: Bottom Line
AKC and Pumpkin rank as the best and cheapest pet insurance companies for Border Collies. Compare them with our other recommendations and research thoroughly to make the best decision for your Border Collie's unique needs.
The right pet insurance provides peace of mind and ensures your companion gets necessary care 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 because of excellent customer service and coverage for pre-existing conditions. While it costs more than the national average, coverage for what most insurers won't cover may be worth it for your dog.
Who offers the cheapest pet insurance for Border Collies?
Pumpkin offers the lowest pet insurance rates for Border Collies, starting at $27 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 reviewed pet insurance pricing across all coverage levels, ages, and breeds in all 50 states to find the best and most affordable options for Border Collies.
We also looked into veterinary data for the breed, customer satisfaction scores, and policy details to tailor our recommendations specifically for Border Collie owners.
How We Determined Costs
All cost estimates in this article are based on the following sample profile:
- six-year-old Border Collie
- $5,000 annual coverage limit
- $500 deductible
- 80% reimbursement rate
Average costs reflect aggregated pricing for Border Collies across various coverage levels and ages within typical life expectancy ranges.
How We Rated Each Provider
We analyzed data from multiple online sources to create a balanced rating using these core factors:
- Affordability (50% of score): Based on how each provider’s prices compare with competitors across all coverage profiles. We also considered available discounts, though most companies offer similar ones.
- Customer Experience (30% of score): Determined through overall sentiment from verified reviews and ratings across the web. Companies with more positive feedback earned higher scores.
- Coverage (20% of score): Evaluated by reviewing each provider’s policy details in every state. We considered available add-ons, inclusions, exclusions, and restrictions, noting that coverage can vary depending on 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.