As a Border Collie owner, you know that even the healthiest and most active dogs can have medical emergencies. However, vet visits can be costly, and they can be even more difficult to budget for when they’re unexpected. Luckily, pet insurance has helped Border Collie parents everywhere reduce their financial costs and limit unnecessary stress during these incidents. There are a lot of choices out there, but we’ve done the hard work for you by researching all the best options. We hope this article helps you decide which policy is right for you and your Border Collie.
Table of Contents
5 Best Pet Insurance for Border Collies (2025 Reviews)
5 Top Pet Insurance Companies Compared for Border Collies
-
1
Best overall
![Lemonade]()
4.9Our scoreAverage price for
Border Collies $27.33/moReimbursement amount 90%Annual benefit $20,000Lemonade features the overall best Border Collies pet insurance plan at the most competitive rates
Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid
Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations
-
2
Best for wellness
![Wagmo]()
4.7Our scoreAverage price for
Border Collies $57.52/moReimbursement amount 90%Annual benefit $20,000They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements
Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care
Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)
-
3
Best live vet support
![Figo]()
4.6Our scoreAverage price for
Border Collies $49.19/moReimbursement amount 90%Annual benefit $5,000Figo provides free 24/7 telehealth services to Border Collies owners with licensed veterinarians and other essential professionals on call
Their pet records app and real-time claims tracker are easy and intuitive to use
Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment
-
4
Best for pre-existing conditions
![Pawp]()
4.5Our scoreAverage price for
Border Collies $24/moReimbursement amount 100%Annual benefit $3,000Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions
Pawp membership gives Border Collies pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses
Pawp does not require copays, credit checks or deductibles
-
5
Best established brand
![Embrace]()
4.3Our scoreAverage price for
Border Collies $41.99/moReimbursement amount 90%Annual benefit $5,000With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim
Embrace has an easy-to-use claims portal and paid 92% of claims in 2021
Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming
Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.
FAQs about Border Collie Pet Insurance
-
1. How much does pet insurance cost for Border Collies?
The average monthly premium for Border Collies ranges from $24 to $57.52, depending on age, breed, health conditions, and the typical cost of veterinarians within the state.
-
2. What does pet insurance typically cover for Border Collies?
Each insurance provider sets their own guidelines; however, most plans will cover sudden and catastrophic accidents and illnesses. This includes tests/exams, diagnostics, medication, surgery, and any other kinds of emergency care.
-
3. Can I cancel my Border Collie insurance plan after making a claim?
Most pet insurance providers will allow members to cancel plans at any time. However, each company sets their own cancellation policies, so be sure to check your plan details for any stipulations or requirements before canceling.
-
4. Do pet insurance companies cover spaying and neutering?
Most pet insurance plans will not cover the cost of spaying and neutering as a standard. However, some companies, including Embrace, cover these procedures as part of their wellness packages. Be sure to look into these optional packages if your Border Collie is in need of spaying or neutering.
-
5. Does the cost of insurance increase as my Border Collie ages?
Because insurance providers take age into consideration when determining premiums, the cost to insure your Border Collie will likely increase with age. In most cases, your new rate will go into effect between ages 4-6. Because older dogs are more likely to develop health conditions, these rate increases help offset the cost of coverage.
-
6. Which companies cover pre-existing conditions?
Most pet insurance companies will not cover preexisting conditions. However, Pawp will provide reimbursement for emergencies related to preexisting conditions, and Embrace and Figo have plan terms to cover some curable preexisting conditions. Before enrolling your Border Collie, work directly with companies to determine what will and will not be covered. Even if there is a preexisting condition that won’t be covered, it will not exclude your Border Collie from being insured otherwise.
-
7. Is pet insurance worth it for Border Collies?
Although Border Collies are typically very healthy dogs, they are susceptible to common health conditions such as:
- Hip dysplasia – $1,200 – $2,500 on average for care
- Hypothyroidism – $50 – $150 average for testing and $20 – $50/month for medication
- Epilepsy – $200 – $5,000 on average for care, depending on severity
Even without those conditions, all animals run the risk of becoming suddenly ill or injured. Having pet insurance means you can get your Border Collie the care they need without worrying about the cost.
More Details About Pet Insurance for Border Collies
-
1. Lemonade
(Best overall)
Why it’s great: Lemonade has made their plans easy to understand and easy to enroll in, but that isn’t the only reason we’ve rated them best overall. They’re also extremely affordable for the accident and illness coverage they provide. Submitting a claim is simple – often taking just minutes – and their clean, easy-to-use app makes the entire process stress-free. Additionally, their waiting periods are just 2 days for accidents, some of the shortest we’ve seen. Choose from several plans to fit your Border Collie’s needs, and bundle with renters’ or homeowners’ insurance to get an even better deal.
Keep in mind: Lemonade may not be available in some states. Additionally, if your Border Collie is older or has preexisting conditions, you may need to submit your pet’s vet records in order to begin coverage.
Good for: Border Collies of all ages, but especially when they’re young and healthy.
Average price for Border Collies: $27.33/month
![Lemonade]()
-
2. Wagmo
(Best for wellness)
Why it’s great: Wagmo offers a variety of insurance and wellness plans so you can customize coverage based on your pet’s needs. So in addition to emergency care, you can also get reimbursed for services such as preventative vet visits, grooming, and vaccines. Wagmo users also love their quick reimbursement process, with reimbursement via direct deposit, PayPal, or Venmo. They also offer discounts for multiple pet households and if you have a claim-free year. And once you’ve met your deductible, Wagmo will reimburse you 100% for the cost of future care.
Keep in mind: Wagmo has a waiting period of 15 or 30 days, depending on the condition. Additionally, plans will cover up to $10,000 per incident and $100,000 over the lifetime of your pet. Should your pet exceed either of those thresholds, you will be responsible for the remaining costs.
Good for: Border Collies who will need a mixture of wellness care and emergency coverage.
Average price for Border Collies: $57.52/month
![Wagmo]()
-
3. Figo
(Best 24/7 vet support)
Why it’s great: Figo offers lightning-fast claims and no cap per incident. Their average claim processing time is just 2.6 working days, making it faster and easier than ever to get reimbursement. Additionally, Figo provides 24/7 access to their virtual team of vets, meaning you can get care instantly in an emergency. Figo also offers several “powerups”, allowing customizable coverage based on your pet’s needs. Optional packages include wellness coverage, cremation/burial coverage, and lost pet advertisement/reward.
Keep in mind: Although some curable pre-existing conditions may be covered, most will not be eligible for reimbursement. Some plans also include an annual limit. If you feel you’ll go over that limit, consider the unlimited option.
Good for: Border Collie owners who would feel better having 24/7 access to a vet at no extra charge.
Average price for Border Collies: $49.19/month
![Figo]()
-
4. Pawp
(Best for pre-existing conditions)
Why it’s great: Pawp works a little differently than other pet insurance plans. Instead of worrying about deductibles and copays, Pawp offers unlimited 24/7 virtual vet visits or questions/consultations through their app along with a $3,000 emergency fund that can be used once a year. That being said, Pawp doesn’t take into account the age, health, or preexisting conditions of your pet. They also offer prescription meds at the lowest prices guaranteed and curated recommendations from their team of veterinarians.
Keep in mind: Pawp doesn’t cover wellness checks or non-emergency visits. In order to use the emergency fund, the situation must be determined a true emergency by Pawp’s team. Additionally, it can only be used for one vet bill for one pet each year.
Good for: Senior Border Collies, or Border Collies with preexisting health conditions. Pawp can also be used in tandem with traditional pet insurance policies.
Average price for Border Collies: $24/month
![Pawp]()
-
5. Embrace
(Best established brand)
Why it’s great: Embrace offers pet insurance options from everything to illnesses and accidents to dental procedures to specialist care. Depending on what your Border Collie needs, you can choose whatever coverage options that are right for you. Additionally, Embrace covers the cost of any prescriptions used to treat covered conditions as well. And for each year you don’t file a claim, you can expect an automatic $50 decrease in your renewal.
Keep in mind: Embrace doesn’t offer coverage for routine veterinary care; however, they do have a flexible savings plan that can help you budget for wellness visits. Unused funds don’t rollover and are non-refundable.
Good for: Border Collie owners who want flexible and customizable plan options for their pet’s care.
Average price for Border Collies: $41.99/month
![Embrace]()
Best Overall
Lemonade
Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Border Collies and they also offer the best value.
Conclusion
We hope this article has helped you understand your options when it comes to pet insurance. Although it may seem complicated at first, taking the time to review the different providers will help you find the perfect plan for you and your furry friend. Investing in pet insurance will give you all of the support you and your Border Collie need, helping them live a long and happy life for many years to come.
){kind=link}