Protecting your Border Collie

How to find insurance that will cover health problems for your Border Collie

The good old Border Collie – perhaps the only dog breed that could give you a run for your money on a calculus test. In all seriousness, the Border Collie is widely considered the most intelligent dog breed there is.But even the smartest dog can’t avoid health problems and accidents. Read on to find out how comprehensive pet insurance can save you from significant vet bills if the unthinkable happened to your pup.

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Want to protect your Border Collie?

Updated December 15th, 2019
Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Guide Dogs Premium Care
Helps support Guide Dogs Australia.
Woolworths Comprehensive Cover
Price beat promise for similar policies. T&Cs apply.
Knose Dog Cover
70%, 80% or 90%
Get cover for your pet.
Medibank Ultimate Pet Care
Get 1 month free when you buy Medibank Pet Insurance before 10 January 2020. Use promocode: FREEMONTH. T&Cs apply.
Vets Choice Elite Cover
Get a 5% discount when you insure more than one pet.
Petsy Dog Accidental Injury and Illness Cover
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
PIA Major Medical Cover
Get 2 months free when you sign up.
PetSecure Accident and Illness Cover
75% or 85%
Your pet is covered for life.
RSPCA Ultimate Plus Accident and Illness Cover
Up to $20,000 annual limit
Helps support the RSPCA.
Real Premium Accident & Illness Cover
Pay fortnightly, monthly or yearly at no extra cost.
Australian Seniors Top Accident & Illness Cover
If you're over 50 get 10% off.
Prime Sovereign Accident & Illness Cover
With guaranteed renewal you can protect your pet for life.
Guardian Platinum Accident & Illness Cover
No joining fee to pay.

Compare up to 4 providers


The word “collie” means sheepdog in Scottish, and given how much herding played a part in the early lives of people in that region, it is not surprising that many types of collies naturally evolved there.

The hilliness of the terrain meant that the local settlements were quite isolated from one another. This allowed the various collie breeds to evolve separately from one another, and to develop their own unique traits.

Quite appropriately, the ancestors of the Border Collie evolved near the border of Scotland and England.

In the late 19th and early 20th centuries, breeders sped up the process of standardisation and fine-tuned the breed to include or exclude specific traits. The result was the Border Collie that we know and love today.


Border Collies are medium-sized dogs with medium-length thick fur. Their coat is most often black and white, but can come in many other colours and patterns, including brown, red, blue merle and tricolour. They shed often and need to be brushed regularly.

You often find Border Collies in a crouched position with their gaze fixed intently on an object of their attention. This developed as a result of being highly attentive toward their flocks. In some cases, each eye can be a different colour.

Border Collies are agile and nimble, with a graceful gait. They can change direction and speed at the drop of a hat. Some people have even trained their Border Collies to walk on a tightrope!


Herding sheep in the difficult terrain of Scotland required collies to develop extraordinary physical stamina. As such, Border Collies are especially energetic and need multiple hours of vigorous exercise per day. Playing fetch or frisbee are great options.

Because Border Collies are working dogs whose work involved the highly complex task of herding sheep, they also evolved to crave complex tasks. So, unless you have a herd of sheep at your disposal, you need to provide your collie with some other challenging tasks to do.

When these cravings are satisfied, you will be left with an energetic yet highly alert and focused companion.

three-border-collies (1)

Life expectancy
  • 10–17 years
Apartment friendly
  • No
Tolerates being alone
  • No
Kid friendly
  • Yes, if their herding instincts are appropriately channelled
Dog friendly
  • Yes, if their herding instincts are appropriately channelled
Amount of shedding
  • Medium
Easy to train
  • Yes
  • High
  • Low
Tendency to bark
  • Low
Energy level
  • High
Exercise requirement
  • Daily vigorous exercise

Cost of pet insurance for a Border Collie

The cost to insure a Border Collie is quite reasonable, coming in at around $15 per week. This is below average compared to other breeds and is a small price to pay to ensure your beloved pup stays happy and healthy.

Health problems

Because Border Collies were mostly bred naturally over a long period of time, they didn’t develop as many hereditary health issues as other pure breeds.

That said, there are still some health issues you need to watch out for. These include:

  • Hip dysplasia and other joint conditions
  • Progressive retinal atrophy (PRA) and other eye conditions
  • Allergies
  • Epilepsy
  • Obsessive compulsive disorder
  • Bone problems

How much does treatment cost?

Treating some of the health problems Border Collies are prone to can be an expensive exercise. The table below is a rough guide to the treatment costs you can expect for a range of common conditions:

Health problem Average total claim
Fractures $2,715
Cancer $1,798
Snake bite $1,742
Diabetes $2,583
Cruciate condition $2,530
Epilepsy and seizures $1,079
Liver $1,716
Pancreas $1,360

Source: The Hollard Insurance Company (2016/2017)

Why you should consider pet insurance for your Border Collie

While Border Collies are not prone to many hereditary health complications, natural causes and accidents are still a possibility.

In fact, the Border Collie’s intelligence may increase its chances of getting into accidents. For example, they could potentially pick the lock on your fence and escape. If they were to get into an accident, such as an car accident or snake bite, your health insurance would help pick up some of the cost.

Be sure to check the product disclosure statement (PDS) of any plan you are considering to make sure it suits your needs. Contact an insurance representative if there is anything you are unsure about.

Border Collie FAQs

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