The best pet insurance company is AKC due to its comprehensive coverage options and strong customer satisfaction ratings. Other top-rated providers are Rainwalk, Pets Best and Lemonade.
Border Terrier Insurance
Updated: February 19, 2026
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Key Takeaways
AKC is the best pet insurance company for Border Terriers, offering strong coverage and service quality.
Pets Best provides the cheapest pet insurance rates for Border Terriers, with average rates of around $27 monthly for standard protection.
Border Terrier pet insurance costs $91 per month on average, making them the 142nd most expensive dog breed to insure.
Best Border Terrier 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.
Learn more about the best pet insurance options for your Border Terrier across different situations:
AKC
Best for Border Terriers
MoneyGeek Rating
4.5/ 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$45Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers curable pre-existing conditions
Best Border Terrier Pet Insurance by State
AKC is the top-ranked Border Terrier pet insurance provider in all 50 states. Rainwalk is the second-best option, with its strongest performance in Michigan and Virginia.
| Alabama | AKC | 4.4 |
| Alabama | Rainwalk | 4.4 |
| Alaska | AKC | 4.45 |
| Arizona | AKC | 4.45 |
| Arkansas | AKC | 4.5 |
| California | AKC | 4.45 |
| Colorado | AKC | 4.45 |
| Connecticut | AKC | 4.45 |
| Delaware | AKC | 4.4 |
| Florida | AKC | 4.45 |
| Georgia | AKC | 4.4 |
| Hawaii | AKC | 4.45 |
| Idaho | AKC | 4.4 |
| Illinois | AKC | 4.45 |
| Indiana | AKC | 4.5 |
| Iowa | AKC | 4.4 |
| Kansas | AKC | 4.45 |
| Kentucky | AKC | 4.5 |
| Louisiana | AKC | 4.4 |
| Maine | AKC | 4.45 |
| Maryland | AKC | 4.4 |
| Massachusetts | AKC | 4.4 |
| Michigan | Rainwalk | 4.35 |
| Michigan | AKC | 4.35 |
| Michigan | Pets Best | 4.35 |
| Minnesota | AKC | 4.4 |
| 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 | 4.4 |
| New Mexico | AKC | 4.5 |
| New York | AKC | 4.45 |
| North Carolina | AKC | 4.45 |
| North Dakota | AKC | 4.5 |
| Ohio | AKC | 4.4 |
| Oklahoma | AKC | 4.5 |
| Oregon | AKC | 4.45 |
| Pennsylvania | AKC | 4.45 |
| Rhode Island | AKC | 4.45 |
| South Carolina | AKC | 4.5 |
| South Dakota | AKC | 4.5 |
| Tennessee | AKC | 4.45 |
| Texas | AKC | 4.45 |
| Utah | AKC | 4.4 |
| Vermont | AKC | 4.45 |
| Virginia | AKC | 4.4 |
| Virginia | Rainwalk | 4.4 |
| Washington | AKC | 4.5 |
| West Virginia | AKC | 4.45 |
| Wisconsin | AKC | 4.4 |
| Wyoming | AKC | 4.45 |
*Rates are based on a 6-year-old Border Terrier 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 Terrier Pet Insurance Companies
Pets Best offers the most affordable pet insurance for Border Terriers at $27 per month or $320 per year. Other budget-friendly providers include Lemonade, Pumpkin, ASPCA and Figo.
| Pets Best | $27 | $320 | 51% |
| Lemonade | $30 | $361 | 45% |
| Pumpkin | $37 | $447 | 32% |
| ASPCA | $38 | $459 | 30% |
| Figo | $39 | $468 | 29% |
*Rates are based on a 6-year-old Border Terrier 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 Border Terriers
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4/5Customer Experience
4/5Coverage Points
Average Monthly Rate
$27Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Border Terrier Pet Insurance by State
Pets Best offers the most affordable Border Terrier insurance nationwide, ranking cheapest in all 50 states. Monthly premiums range from $18 to $35, depending on your location.
| Alabama | Pets Best | $20 | 54% |
| Alaska | Pets Best | $26 | 52% |
| Arizona | Pets Best | $33 | 50% |
| Arkansas | Pets Best | $18 | 54% |
| California | Pets Best | $34 | 48% |
| Colorado | Pets Best | $34 | 50% |
| Connecticut | Pets Best | $31 | 51% |
| Delaware | Pets Best | $27 | 52% |
| Florida | Pets Best | $30 | 51% |
| Georgia | Pets Best | $24 | 50% |
| Hawaii | Pets Best | $27 | 52% |
| Idaho | Pets Best | $27 | 51% |
| Illinois | Pets Best | $33 | 49% |
| Indiana | Pets Best | $24 | 50% |
| Iowa | Pets Best | $23 | 52% |
| Kansas | Pets Best | $24 | 52% |
| Kentucky | Pets Best | $21 | 54% |
| Louisiana | Pets Best | $22 | 53% |
| Maine | Pets Best | $33 | 51% |
| Maryland | Pets Best | $26 | 55% |
| Massachusetts | Pets Best | $35 | 50% |
| Michigan | Pets Best | $27 | 51% |
| Minnesota | Pets Best | $28 | 50% |
| Mississippi | Pets Best | $23 | 52% |
| Missouri | Pets Best | $21 | 52% |
| Montana | Pets Best | $22 | 52% |
| Nebraska | Pets Best | $24 | 51% |
| Nevada | Pets Best | $28 | 51% |
| New Hampshire | Pets Best | $31 | 50% |
| New Jersey | Pets Best | $30 | 50% |
| New Mexico | Pets Best | $24 | 52% |
| New York | Pets Best | $29 | 51% |
| North Carolina | Pets Best | $24 | 53% |
| North Dakota | Pets Best | $21 | 52% |
| Ohio | Pets Best | $25 | 52% |
| Oklahoma | Pets Best | $22 | 52% |
| Oregon | Pets Best | $33 | 50% |
| Pennsylvania | Pets Best | $28 | 52% |
| Rhode Island | Pets Best | $23 | 52% |
| South Carolina | Pets Best | $25 | 50% |
| South Dakota | Pets Best | $24 | 53% |
| Tennessee | Pets Best | $25 | 51% |
| Texas | Pets Best | $28 | 50% |
| Utah | Pets Best | $26 | 52% |
| Vermont | Pets Best | $25 | 52% |
| Virginia | Pets Best | $29 | 52% |
| Washington | Pets Best | $31 | 53% |
| West Virginia | Pets Best | $23 | 51% |
| Wisconsin | Pets Best | $29 | 52% |
| Wyoming | Pets Best | $25 | 51% |
*Rates are based on a 6-year-old Border Terrier 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 Terrier Insurance Cost?
Monthly insurance costs for Border Terriers range from $62 to $118 across the U.S., ranking as the 142nd most expensive breed to insure. Your actual premium will depend on your location and chosen coverage options.
| Alabama | $69 | $825 | -24% |
| Alaska | $90 | $1,079 | -1% |
| Arizona | $109 | $1,303 | 19% |
| Arkansas | $62 | $741 | -32% |
| California | $113 | $1,353 | 24% |
| Colorado | $114 | $1,368 | 25% |
| Connecticut | $104 | $1,249 | 14% |
| Delaware | $92 | $1,107 | 1% |
| Florida | $104 | $1,244 | 14% |
| Georgia | $81 | $972 | -11% |
| Hawaii | $93 | $1,117 | 2% |
| Idaho | $91 | $1,090 | -0% |
| Illinois | $112 | $1,338 | 23% |
| Indiana | $82 | $986 | -10% |
| Iowa | $75 | $905 | -17% |
| Kansas | $83 | $994 | -9% |
| Kentucky | $73 | $874 | -20% |
| Louisiana | $74 | $883 | -19% |
| Maine | $110 | $1,318 | 21% |
| Maryland | $95 | $1,142 | 5% |
| Massachusetts | $118 | $1,417 | 30% |
| Michigan | $92 | $1,100 | 1% |
| Minnesota | $93 | $1,120 | 3% |
| Mississippi | $78 | $941 | -14% |
| Missouri | $72 | $866 | -21% |
| Montana | $77 | $927 | -15% |
| Nebraska | $82 | $980 | -10% |
| Nevada | $93 | $1,114 | 2% |
| New Hampshire | $105 | $1,255 | 15% |
| New Jersey | $102 | $1,222 | 12% |
| New Mexico | $80 | $962 | -12% |
| New York | $100 | $1,195 | 9% |
| North Carolina | $83 | $990 | -9% |
| North Dakota | $70 | $844 | -23% |
| Ohio | $85 | $1,018 | -7% |
| Oklahoma | $76 | $915 | -16% |
| Oregon | $113 | $1,357 | 24% |
| Pennsylvania | $96 | $1,148 | 5% |
| Rhode Island | $81 | $966 | -12% |
| South Carolina | $87 | $1,046 | -4% |
| South Dakota | $82 | $980 | -10% |
| Tennessee | $84 | $1,007 | -8% |
| Texas | $94 | $1,127 | 3% |
| Utah | $88 | $1,060 | -3% |
| Vermont | $85 | $1,017 | -7% |
| Virginia | $99 | $1,193 | 9% |
| Washington | $105 | $1,264 | 16% |
| West Virginia | $78 | $938 | -14% |
| Wisconsin | $98 | $1,179 | 8% |
| Wyoming | $84 | $1,004 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Border Terrier. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Border Terrier Insurance Costs?
Border Terriers rank 142nd in pet insurance costs, putting them in the mid-range for monthly premiums. Breed-specific health factors drive those costs, and knowing which ones apply helps owners find the most affordable coverage.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Border Terriers face several breed-specific health challenges that insurers consider when determining coverage. Primary spinal cord disease often requires costly surgery and ongoing treatment. These dogs are also prone to heart defects, lens luxation (eye displacement), and progressive retinal atrophy which can lead to blindness. Their genetic predisposition to these conditions typically results in higher insurance premiums and careful coverage consideration.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
As a small breed weighing between 11-15 pounds, Border Terriers require specialized care scaled to their size. While they need smaller medication doses than larger breeds, their compact anatomy can make certain procedures more delicate and complex. Their size also affects recovery protocols, often requiring specific rehabilitation equipment and careful medication management to prevent complications.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $700 (Young) to $800 to $1,500 (Senior)
Border Terriers typically live 12 to 15 years, which is relatively long for purebred dogs. This extended lifespan means more years of potential health issues and increasing care needs. Senior Border Terriers often require more frequent veterinary visits and management of age-related conditions, leading to substantially higher medical expenses in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $4,500
Border Terriers were bred for intense hunting activities, giving them high energy levels and strong prey drives. Their athletic nature and determination can lead to injuries during exercise or when pursuing small animals. Their tenacious personality may result in accidents requiring emergency care, particularly for sprains, cuts, or fractures sustained during vigorous activity.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $8,000
Increased demand for Border Terriers has led some breeders to skip crucial health screenings, resulting in more genetic health issues within the breed. Insurance providers now scrutinize breeding documentation more carefully when setting coverage terms. Selecting a Border Terrier from health-tested parents significantly reduces the risk of inherited conditions and improves insurance options.
Border Terriers share some common health risks, but your dog's unique health profile matters more than breed statistics. Consider your pet's specific medical history and your budget when choosing coverage levels, which includes deductibles, annual limits and reimbursement rates. Your vet can help identify which health risks apply to your Border Terrier.
INSURANCE RISK PREVENTION
Protect your Border Terrier's health by maintaining regular dental cleanings and scheduling hip and eye screenings with your vet. Choose breeders who test for lens luxation and CECS to reduce genetic risks. Keep your dog at a healthy weight through measured portions and daily exercise. These preventive steps help avoid costly health issues common to the breed.
How to Get the Best Cheap Border Terrier Pet Insurance
Getting pet insurance for your Border Terrier that suits your budget takes some smart comparison shopping, but you'll discover several ways to lower your costs.
- 1Evaluate Your Coverage Needs
Decide whether pet insurance is worth it for your situation. Border Terriers have breed-specific health risks including hip problems and heart issues, which affect how much coverage you need. Review pet insurance coverage options and match the level of protection to your budget and your dog's health profile.
- 2Compare Insurance Providers
Compare pet insurance companies on average Border Terrier rates and claim processing speed. Read customer reviews and check coverage details (deductibles, reimbursement rates and annual limits) to separate well-rated insurers from cheaper but slower ones.
- 3Review Policy Details
Read waiting periods and exclusions carefully before signing. Ask your top choices for sample policies so you know exactly what is and is not covered before you pay.
- 4Get Multiple Online Quotes
Get quotes from several pet insurance websites before deciding. Rates vary widely between providers even when deductibles, annual limits and reimbursement rates are the same. Check your eligibility for pet insurance discounts before you buy.
- 5Review Coverage Annually
Don't auto-renew your policy each year without checking. Pull new quotes and weigh them against your Border Terrier's current health needs to confirm you are still getting good value.
Border Terrier Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Border Terriers, while Pets Best offers the lowest monthly premiums. Compare both insurers to find coverage matching your pet's health needs and budget. The right policy brings peace of mind and ensures your furry friend gets quality care when health issues arise.
Learn more about the best pet insurance providers for your Border Terrier:
Pet Insurance for Border Terrier: FAQ
We answer common questions about Border Terrier insurance:
What is the best pet insurance provider for Border Terriers overall?
AKC is the best pet insurance provider for Border Terriers, with broad coverage and high customer satisfaction scores. Premiums are above average, but the coverage depth and service quality make it worth the cost for most owners.
Who offers the cheapest pet insurance for Border Terriers?
Pets Best is the most affordable option for Border Terrier insurance, with standard coverage starting at $27 a month. Your final rate depends on your location and your dog's details.
How much does Border Terrier insurance cost?
Border Terriers rank 142nd in pet insurance costs, with an average monthly premium of $91. Rates vary by state, from $62 to $118 a month.
What are the most common accident and illness risks for Border Terriers?
Border Terriers have three primary breed-specific health risks. Canine Epileptoid Cramping Syndrome (CECS) causes muscle spasms and seizure-like episodes. Spike's Disease is an inflammatory brain condition that also produces seizures. Hip Dysplasia affects joint mobility and causes chronic pain. All three are tied to the breed's genetics.
How We Found the Best and Cheapest Border Terrier 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 Terriers. 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 Terriers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Border Terrier
- $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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.