Collies are loyal, especially to their people, so ensuring she has the best care is a high priority. Finding the best pet insurance for your Collie will help ease the financial burden of sudden medical emergencies facing your gorgeous pup. The happy ending to this story is that you’ve come to the right place as we’ve done a lot of the work for you. We have the research and have pulled together the best pet insurance options for you to make the right decision on what pet insurance fits you and your Collie’s lifestyle.
Table of Contents
5 Best Pet Insurance for Collies (2025 Reviews)
5 Top Pet Insurance Companies Compared for Collies
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1
Best overall
![Lemonade]()
4.9Our scoreAverage price for
Collies $33.75/moReimbursement amount 90%Annual benefit $20,000Lemonade features the overall best 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
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2
Best for wellness
![Wagmo]()
4.7Our scoreAverage price for
Collies $55.34/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)
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3
Best live vet support
![Figo]()
4.6Our scoreAverage price for
Collies $59.85/moReimbursement amount 90%Annual benefit $5,000Figo provides free 24/7 telehealth services to 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
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4
Best for pre-existing conditions
![Pawp]()
4.5Our scoreAverage price for
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 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
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5
Best established brand
![Embrace]()
4.3Our scoreAverage price for
Collies $45.32/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 Collie Pet Insurance
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1. How much does pet insurance cost for Collies?
Look for Collies to have an average monthly range for premiums from $24 to $59.85. There are several factors used by Insurance companies to calculate that range such as your pup’s age, breed, health conditions and average veterinary costs within the state.
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2. What does pet insurance typically cover for Collies?
It’s difficult to compile one list for all as coverage for Collies will be different from one insurance company to another. You can plan on your policy to cover accidents and illnesses, especially those that are sudden and catastrophic in nature. Policy benefits will typically extend to tests, exams, emergency care, other diagnostic procedures, medication as well as surgery.
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3. Can I cancel my Collie insurance plan after making a claim?
You can cancel your insurance policy at any time, but because cancellation policies and processes will differ from policy to policy, you need to clarify with your specific provider what the fine print details are around discontinuing your insurance.
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4. Do pet insurance companies cover spaying and neutering?
It’s more common for pet insurance companies not to cover spaying/ neutering as part of their policy options. But, if it’s something you want included, it’s worth a look at a company like Embrace that offers an optional wellness package including spaying/neutering procedures.
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5. Does the cost of insurance increase as my Collie ages?
It’s a good rule of thumb to insure your Collie when she’s as young as possible as pet insurance costs only go up as your pup ages, especially after the age of 4 or 5. These rate increases help providers offset the elevated risk that your older dog will develop a health condition or become ill, especially as she gets up later in years.
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6. Which companies cover pre-existing conditions?
Surprisingly, there’s more than one choice of insurance companies that offer options for pre-existing conditions. The two to check out are Pawp, which includes pre-existing conditions in emergencies and Embrace has policy terms that will cover some pre-existing conditions. Always take a close look at the benefits and exclusions, also known as the fine print, with any insurance company you may be considering as coverage for your pet. It’s important to note that just because your Collie may have a pre-existing issue, it doesn’t necessarily mean she won’t qualify for an insurance policy.
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7. Is pet insurance worth it for Collies?
Pet insurance is a good idea for all types of dogs. Collies in particular can benefit as they do have a few genetic traits that can quickly turn into health issues, namely joint issues such as Osteochondritis Dissecans (OCD), a disorder that affects your Collie’s bones that will ultimately turn into arthritis. Your Collie is also prone to eye problems, so much so that she has her own disorder named after her, Collie Eye Anomaly (CEA). Veterinary care to treat these issues ads up fast. Mild cases of Osteochondritis Dissecans can be treated with medication, but if a loose flap of cartilage has formed, don’t be surprised if your veterinarian recommends surgery to reduce your pup’s pain and increase her mobility. An arthroscopic procedure for OCD will run around $2,000 to $4,000 per joint. Pet insurance can give you the support needed to help you care for your Collie and all of her veterinary requirements.
More Details About Pet Insurance for Collies
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1. Lemonade
(Best overall)
Why it’s great: Lemonade may be right up there Lassie the hero, ready to save Timmie at a moment’s notice. Well, maybe not saving Timmie from a well type of hero, but it is our best overall for offering preventative care options for puppies under two-years old. Lemonade has the option, for a nominal fee, where you can customize your policy to include add-ons such as regular exam visits for your Collie, along with physical therapy, should that be something you think you’ll need (Collie’s are a very active breed afterall). One bonus, Lemonade’s waiting period for accidents is just two days, lower than most other insurance policies. Look for bundle opportunities when you include your home/renter’s insurance with your pet policy, a 10% savings will mean more money in your pocket.
Keep in mind: Lemonade may be one of the best options, but you’ll need to do your homework pulling together records from your Collie’s previous veterinary visit in order to qualify for coverage. Plus, if your pup is more on the senior side, older than 14, then she likely won’t qualify for coverage.
Good for: Nearly all Collies, especially pups with no pre-existing conditions.
Average price for Collies: $33.75/month
![Lemonade]()
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2. Wagmo
(Best for wellness)
Why it’s great: Sometimes the goal of healthcare for your pet is simply overall wellness, really that’s a goal for all of us. With that in mind, at least for your Collie, then Wagmo is a good choice for you because wellness coverage can be purchased as a standalone option or as an add on to your overall policy. If you have multiple Collies running around, Wagmo offers a 10% multi-pet discount. Even Lassie will be able to figure out the tech-friendly mobile app with the live-chat feature and the ability to submit and track your claims digitally.
Keep in mind: Not all health issues are included as part of coverage plan options, such as hip dysplasia in dogs that are 6-years or older. Also note, pets that are more than 15-years-old are not eligible for pet insurance.
Good for: Collie people looking for a balanced mix of wellness and a live-chat feature to help with emergency care coverage.
Average price for Collies: $55.34/month
![Wagmo]()
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3. Figo
(Best 24/7 vet support)
Why it’s great: Just as Lassie was ready to help at a moment’s notice, whether day or night, Figo offers 24/7 veterinary support. Another positive option for Figo is that claims are settled in less than three days, which means you’ll receive your reimbursement check faster than you can say, “Lassie – go for help!” In addition, unlike other insurance options, Figo is one of the few companies that may cover some pre-existing conditions, specifically those conditions that are considered to be curable.
Keep in mind: While Figo may cover some pre-existing curable conditions, it will not cover pre-existing conditions that are deemed to be incurable, along with any experimental treatments.
Good for: Collie people who want 24/7 veterinary support when those questions pop into your head in the middle of the night
Average price for Collies: $59.85/month
![Figo]()
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4. Pawp
(Best for pre-existing conditions)
Why it’s great: One of the best reasons to add health insurance to your pet’s medical portfolio is the ability to help manage surprises. This is something Pawp knows very well as it offers a fixed rate, so no surprises to worry about for your Collie. Another plus, Pawp will pay your vet directly for your Collie’s medical bills, instead of the typical plan where you need to pay out of pocket then submit for reimbursement from the insurance company. Pawp will also pay for pre-existing conditions, as long as those pre-existing conditions are considered to be life threatening. Look for supplemental coverage options with a $3,000 emergency fund that can be used for one life threatening emergency per year.
Keep in mind: There are some options that Pawp doesn’t offer, namely routine medical treatments. There’s also a requirement to complete a video call with a Pawp vet before you can access your policy’s $3,000 emergency fund, which means you’ll face a potential delay in medical treatment.
Good for: Collie parents with more than one pup running around (Pawp will cover up to six pets) and who want 24-hour access to a digital clinic of licensed veterinarians at a fixed rate.
Average price for Collies: $24/month
![Pawp]()
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5. Embrace
(Best established brand)
Why it’s great: Lassie the classic TV show is a well established character and brand that’s been around for decades, the same is true for the insurance company Embrace. There are lots of positive perks with Embrace, including the flexibility to choose your own vet and a mobile app instead of claim forms. Our military (active and former members) have the option of a well deserved discount. Embrace also offers multi-pet discounts along with a short two-day waiting period for accidents. If your dog stays healthy and doesn’t need to submit a lot of reimbursement claims, you’ll see a bonus with decreased deductibles.
Keep in mind: There is no wellness or preventative care option with Embrace, and a six-month waiting period for any orthopedic coverage could make caring for some injuries problematic.
Good for: Collie parents who want the flexibility to choose their own vet and a policy that includes routine check-ups.
Average price for Collies: $45.32/month
![Embrace]()
Best Overall
Lemonade
Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Collies and they also offer the best value.
Conclusion
If you think all of these choices are a bit overwhelming, you’re right. Lassie always knew how to do the right thing, and you’re already well on your way to the right thing just by completing your research and reading this information. We want you to find the right pet insurance for you and your Collie. The policy that fits you is out there, it’s just a matter of finding the right one that checks all the boxes that work for you. You love your pup as a member of your family and purchasing a pet insurance policy is one of the best things you can do to ensure she gets all the health support for emergencies and routine care that she needs in order to stick around as a member of the family for many years to come.
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