Aussies urged to choose dog breeds based cost: how you can keep vet bills down
Key takeaways
- New data from CoverMy Pet has revealed the 5 dog breeds that are the cheapest to insure.
- Border Collies, Maltese terriers and Labradoodles were among the least expensive dog breeds.
- What's next: Besides selecting a "cheap" breed, Aussies can also reduce the cost of dog ownership by selecting a cost effective pet insurance policy.
You've heard of choosing a dog breed based on temperament, but Aussies are now being asked to shift gears.
Recent research from CoverMy Pet shows Aussies can save thousands over their pet's lifetime, simply by choosing the right breed.
According to the data, the 5 least expensive major dog breeds to insure are:
- Border Collies and Sheepdogs
- Chihuahuas and Chihuahuas crosses
- Labradoodles
- Maltese terriers
- King Charles Spaniels and crosses
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CoverMy Pet General Manager Grant Pugh has urged Aussies to consider the long-term expenses of owning a puppy rather than the upfront cost.
"Choosing a puppy is an emotional decision, but it's also a financial one and the cutest face shouldn't be the only factor. Many people focus on the price of getting the puppy without considering the ongoing costs they'll face over the next 10 to 15 years," he said.
"Responsible pet ownership starts before bringing a puppy home. Along with researching temperament, exercise and suitability, families should factor in unexpected veterinary costs, ongoing health care and insurance when comparing breeds."
Where Aussies can save on dog ownership
Between food, new toys, grooming and pet insurance, the costs involved with caring for a dog can feel relentless.
Finder research found that in July 2026, the average pet insurance premium was $126 a month.
For dog owners considering pet insurance, there are a few ways to protect your pet and cut the cost of your premium.
If you're after comprehensive cover, which protects dogs against accidents, illness and other health conditions, opting for a higher excess and a lower annual limit can make premiums more manageable.
CoverMy Pet offers 3 tiers of comprehensive cover, starting from $14.66 a fortnight, allowing Aussies to select the right policy for their budget.
Aussies can also opt for accident-only cover. These policies cover injuries from accidents, which can be ideal for new puppy owners only concerned about potential tumbles puppies typically find themselves in.
A new name simplifying accident-only dog insurance is Ruff 'n' Tumble, offering a flat $40 per month that does not increase based on your dog's age or after a claim.
You can compare these insurers and other policies by checking out Finder's pet insurance comparison tool.
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