Protecting your Border Collie

How to find insurance that will cover any 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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Details Features
Major Medical Cover
Major Medical Cover
Reimburses 80% of veterinary treatment related to Accidental Injury and Illness.
  • $15,000 annual benefit limit
  • 80% of vet bill covered subject to terms and conditions
  • $1200 emergency boarding fees per year
  • 5% discount for each additional pet insured up to 15%
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Comprehensive Cover
Comprehensive Cover
Price Beat guarantee on comparable pet insurance policies.
  • Accidental Injury and Illness Cover Plus Routine Care
  • $12,000 annual benefit limit
  • $1,500 annual tick paralysis benefit
  • Up to $1,200 emergency boarding fees
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Ultimate Cover (Accident & Illness)
Ultimate Cover (Accident & Illness)
Get up to $11,000 cover every year on eligible bills. Benefit from a 10% multi-pet discount.
  • $11,000 annual claim limit
  • Up to 80% of eligible vet bills back*
  • No excess
  • Premiums go towards supporting the RSPCA
  • Optional routine care cover
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Premium Accident & Illness Cover
Premium Accident & Illness Cover
Get 10% of the premiums you’ve paid back after the first 12 months with The Real Reward.
  • $12,000 annual claim limit
  • Up to 80% of vet bill covered subject to terms and conditions
  • Take your pet to any licensed vet practice in Australia
  • Optional routine care benefit
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Comprehensive Plan
Comprehensive Plan
FREE engraved ID tag for all new policy holders
  • $8,000 or $12,000 annual benefit limit
  • Up to 80% of vet bill covered
  • Excess of $0, $100 or $200 per each unrelated condition
  • Optional Routine Care Cover
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 Premium Care
Premium Care
Helps support Guide Dogs Australia.
  • $20,000 annual benefit limit; covering accident and illness
  • Up to 85% of eligible vet bills covered
  • Excess options: $0 or $50
  • $1 million of Third Party Liability Cover – for Registered Guide Dogs only
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Sovereign Accident & Illness Cover
Sovereign Accident & Illness Cover
With every additional pet, you get a 10% discount. Offers optional coverage for routine care.
  • Cover up to 85% of eligible vet bills*
  • Claim up to 14,000 per year
  • Optional routine care
  • No excess
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Gold Accident and Illness
Gold Accident and Illness
With no joining fee and no excess to pay, it’s affordable protection for your four-legged friend.
  • Cover up to 75% of eligible vet bills*
  • Maximum claim of $12,000 per year
  • You’re free to choose any licenced vet in Australia
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Accident and Illness Cover
Accident and Illness Cover
Cover 75% - 85% of your veterinary treatment costs up to $12,000. Multi-pet discount up to 10%.
  • Annual limit up to $12,000
  • $500 tick paralysis treatment cover
  • 10% multi-pet discount
  • $300 in consultations covered per annum
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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 problemAverage total claim
Snake bite$1,742
Cruciate condition$2,530
Epilepsy and seizures$1,079

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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Picture: Shutterstock

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