Australian Shepherds have been among the top 15 most popular dog breeds in the U.S. for years. They make excellent family dogs for their adaptibilty to people and other dogs, affectionate and friendly nature, and easy trainability. However, Aussies are by no means couch potato dogs. Bred as hardworking dogs, they require a lot of daily exercise and mental stimulation.
Due to their high energy levels, Aussies are prone to accidents and some secondary health concerns if they don’t get the stimulation they need. This can lead to anxiety and behavioral problems, such as chewing everything in sight. Aussies are also predisposed to several inherited conditions like allergies, orthopedic problems, cancer, blood, eye, and thyroid disorders, and more. Dealing with these potential health concerns can be worrisome when financially planning for your pup’s future.
However, having pet insurance can alleviate the financial burden of costly health issues that may arise with a purebred Australian Shepherd. With over a decade of experience in pet insurance, I’m prepared to assist you in finding the best coverage options currently available. Additionally, I can offer valuable insights into common health problems and their associated costs, enabling you to make a well-informed decision for your furry companion.
Best Pet Insurance For Australian Shepherds
Australian Shepherds, like all purebred dogs, come with unique pet insurance needs. I’ve done thorough research on the best pet insurance options tailored for your breed. In choosing these insurers, I considered factors such as coverage and benefit options, specific health concerns, the dog’s age, premium costs, and other important details.
Best Value:Pets Best
- Policy Options:Accident-Only,Accident &Illness,Wellness
- Annual Deductible Options:$50,$100,$200,$250,$500,$1,000
- Annual Payout Options:$5,000,Unlimited
- Reimbursement Options:70%,80%,90%
Why I Picked Pets Best
Aussies can receive comprehensive protection from Pets Best at an affordable price. Their plans are designed with flexibility in mind,allowing you to personalize your coverage,benefits,and premium pricing to suit your distinct needs and budget.Additionally,Pets Best is an excellent choice for those looking to save money,as they are one of the few providers that offer an accident-only policy.
Another plus is that Pets Best has much shorter waiting periods for accidents and hip dysplasia,which are common in Aussies,compared to many other insurers. Pets Best also offers a wellness plan add-on for your policy,and it comes at a low monthly cost. This provider’s policies are a fantastic value whether you’re looking for a cheap base plan or maximum coverage.
Expert Price Analysis
After collecting price quotes for Australian Shepherds,I discovered Pets Best’s basic policy was one of the most budget-friendly choices.Even when considering coverage for rehabilitation and vet exam fees,Pets Best still provides highly competitive rates. Additionally,their maximum coverage option (unlimited payout,90% reimbursement,and a $100 deductible) is an excellent value for Aussie owners.
| Pros | Cons |
|---|---|
| All policies and coverage options offer exceptional value | 18-30 days for claim processing (longer than average) |
| Accident-only plan available | Coverage for veterinary exam costs and complementary care* require plan upgrades |
| 5% discount when insuring multiple pets | Accident-only plan excludes coverage for CCL injuries |
| Covers curable pre-existing conditions once they’ve healed | |
| 2 affordable wellness plan add-ons to choose from | |
| Much shorter waiting time for hip dysplasia (14 days versus 6 months) | |
| No upper age limits |
In-Depth Review Of Pets Best
Explore my in-depth review of Pets Best to find more information regarding its plan options,customizations,waiting periods,reimbursement process,and additional details.
Most Extensive Coverage:Fetch
- Policy Options:Accident &Illness,Wellness
- AnnualDeductible Options:$250,$300,$400,$500,$700
- Annual Payout Options:$5,000,$10,000,$15,000
- Reimbursement Options:70%,80%,90%
Why I Picked Fetch
Fetch offers fantastic comprehensive policies for Aussie owners looking for extensive coverage without any extra charges. Their plans have very few exclusions and cover a wide range of items,including veterinary exams,dental disease,behavioral therapy,complementary care,curable pre-existing conditions,and even C-sections. These are benefits that many other insurers tend to leave out or charge extra for.
Fetch offers unique benefits in addition to extensive coverage that can reduce costs. These include up to $1,000 annually for virtual veterinary consultations,pet boarding should you require hospitalization,and much more. With Fetch,you can also have peace of mind as they provide pre-approval for procedures and cost estimatesbefore any treatment begins.
Expert Price Analysis
When I compared quotes for Australian Shepherds of different ages and regions,I discovered that Fetch’s maximum coverage ($15,000 payout,90% reimbursement,$100 deductible) was actually less expensive than many other insurers offering similar coverage.
| Pros | Cons |
|---|---|
| Broad coverage with minimal exclusions | Longer than average 15-day accident waiting period |
| Curable pre-existing conditions are covered after one year without symptoms | 6-month waiting periods prior to covering CCL injuries and hip dysplasia |
| Includes coverage for virtual vet visits,trip cancellation,pet boarding,and other unique benefits | No discount for insuring multiple pets |
| Offers an optional wellness plan | |
| Approves procedures and treatment cost estimates in advance | |
| No upper age limits |
In-Depth Review Of Fetch
Take a look at my comprehensive review of Fetch,where I explore its extensive coverage,unique benefits,customization possibilities,reimbursement process,and more.
Best For Unlimited Payouts:Healthy Paws
- Policy Options:Accident &Illness
- Annual Deductible Options:$100,$250,$500,$750,$1,000
- Annual Payout Options:Unlimited
- Reimbursement Options:50%,60%,70%,80%,90%
Why I Picked Healthy Paws
Considering the possibility that your Aussie could face costly genetic health challenges and unforeseen accidents,it’s wise for pet owners to look into pet insurance that provides unlimited annual payouts. Healthy Paws is a standout option in this regard. With Healthy Paws,you can rest easy knowing there’s no coverage limit to worry about,as every policy comes with an unlimited annual cap. They also have no lifetime payout limits.
You might wonder if this makes Healthy Paws pricier than other choices. In many cases,no. In fact,Healthy Paws plans are frequently more budget-friendlythan those from other providers that also offer unlimited annual payouts while maintaining comparable deductibles and reimbursement rates. For some Aussies,Healthy Paws could be a more economical option than policies with lower payout limits.
Expert Price Analysis
It can be challenging to compare Healthy Paws’ premium costs with those of other insurance providers because they only offer unlimited payouts. Nevertheless,I discovered that their pricing for Australian Shepherds is sometimes either more cost-effective or comparable to that of other insurers.These policies include similar deductibles,reimbursements,and a $5,000 annual payout.
| Pros | Cons |
|---|---|
| All policies have unlimited annual and lifetime payouts | Limited customization options for older dogs with your reimbursement and deductible |
| Very competitive pricing for similar policies with unlimited caps | Due to age and location,some Aussies aren’t eligible for insurance coverage |
| Speedy average of 2-day claim processing | Offers no coverage for vet exam fees and behavioral therapies |
| Excellent shorter than average waiting period for CCL injury coverage of 15 days | Hip dysplasia coverage is unavailable for dogs enrolled at 6 years of age or older |
| Longstanding reputation of satisfied customers | 12-month hip dysplasia waiting period is much longer than average |
In-Depth Review Of Healthy Paws
In my detailed review of Healthy Paws,I delve into the coverage options,limitations,customization possibilities,waiting periods,and additional features provided by this company.
Best For Australian Shepherd Puppies:Figo
- Policy Options:Accident &Illness,Wellness
- AnnualDeductible Options:$100,$250,$500,$750
- Annual Payout Options:$5,000,$10,000,Unlimited
- Reimbursement Options:70%,80%,90%,100%
Why I Picked Figo
Figo offers top-notch coverage for Aussie puppies (starting at eight weeks of age) at highly competitive rates. Its extensive policies include coverage for dental illness,complementary treatments,and behavioral therapies. With Figo,you can have peace of mind knowing that your accident-prone puppy is protected quickly,thanks to the industry’s shortest accident waiting period of just one day.
What’s even better is that for healthy pups,the deductible decreases by $50 for every year without any claims. Figo also goes above and beyond by providing unlimited annual payout and 100% reimbursement options. Your little one can have fantastic coverage from nose to tail with Figo.
Expert Price Analysis
Figo often offered some of the most competitive premium prices for Aussie puppiesacross various locations. However,their rates became more average when I included exam fee coverage. For older Australian Shepherds,the quotes ranged from average to slightly above average. Additionally,Figo’s lower coverage ($750 deductible,70% reimbursement,and a $5,000 payout) was competitively priced.
| Pros | Cons |
|---|---|
| Among the most affordable premiums for Aussie puppies | Coverage for veterinary exam costs requires added fees |
| Exceptional 1-day accident waiting period | 6-month waiting periods for hip dysplasia and CCL injury coverage |
| Coverage for dental illness,complementary treatments,and behavioral therapy included | |
| Curable pre-existing conditions are covered after one year without symptoms | |
| Offers optional wellness plans | |
| Diminishing deductible of $50 each year you’re claim-free | |
| Speedy average of 3-day claim processing | |
| 5% discount when insuring multiple pets | |
| No upper age limits |
In-Depth Review Of Figo
Discover more about what this insurer has to offer,including its customization choices,coverage specifics,reimbursement process,and my personal experience in my detailed review of Figo.
Best For Multi-Pet Households:Embrace
- Policy Options:Accident-Only,Accident &Illness,Wellness
- AnnualDeductible Options:$100,$250,$500,$750,$1,000
- Annual Payout Options:$5,000,$8,000,$10,000,$15,000,Unlimited
- Reimbursement Options:70%,80%,90%
Why I Picked Embrace
Because Aussies need a lot of activity and companionship,having another dog in your home can be a lifesaver. If you have multiple pets — or are considering expanding your furry family — Embrace rewards you with an impressive 10% multi-pet discount.Additionally,Embrace’s diminishing deductible feature enables you to save more if your pup remains healthy and doesn’t require any claims.
Embrace offers comprehensive accident and illness policies that are among the most extensive in the market.These policies include coverage for dental illness,complementary care,and behavioral therapy. Moreover,you can enhance your coverage with prescription medications and veterinary exam fees. Embrace also comes with a speedy 2-day accident waiting periodand processes claims in only five days on average.
Expert Price Analysis
When I ran quotes for Aussie pet insurance,Embrace’s premium pricing was typically average to above averagewhen using the same deductible,reimbursement,and payout. However,its lower benefits($5,000 payout,70% reimbursement,and $1,000 deductible) are competitively priced.
| Pros | Cons |
|---|---|
| Complementary treatments,behavioral therapy,and $1,000 for dental illness included | Coverage for veterinary exam costs and prescription medication requires added fees |
| Industry-leading 10% discount for insuring multiple pets | Due to age and location,some Aussies aren’t eligible for insurance coverage |
| Diminishing deductible of $50 each year you’re claim-free | Prolonged 6-month waiting periods for hip dysplasia and CCL injury coverage |
| Curable pre-existing conditions are covered after one year without symptoms | |
| Speedy average of 2-day claim processing | |
| 3 optional wellness plans to choose from |
In-Depth Review Of Embrace
I encourage you to take a look at my in-depth review of Embrace,where you can discover more about the advantages of this provider,various customization options,reimbursement processes,waiting periods,and more.
Best For Customizable Plans:Lemonade
- Policy Options:Accident &Illness,Wellness
- Annual Deductible Options:$100,$250,$500
- Annual Payout Options:$5,000,$10,000,$20,000,$50,000,$100,000
- Reimbursement Options:70%,80%,90%
Lemonade Pet Insurance Is NOT Available In:AK,AZ,DE,HI,ID,KS,KY,LA,ME,MN,MT,WV,WY
Why I Picked Lemonade
Lemonade offers a unique à-la-carte approach to its policies,allowing Aussie owners to personalize their coverage according to their budget and health concerns. Their basic plan is often one of the most cost-effective choices in the industry. For those who desire more comprehensive benefits,Lemonade offers the opportunity to enhance your plan with various add-ons. These add-ons include coverage for veterinary exam costs,dental illness,behavioral therapy,complementary care,and end-of-life benefits. Additionally,there are two budget-friendly wellness plans to choose from.
Lemonade also has various options for your deductible,annual payout,and reimbursement rate,allowing you to customize your benefits further. It’s important to note that Lemonade entered the pet insurance industry in 2020. Despite being relatively new compared to other insurers mentioned in this article,it has quickly established a substantial reputation.
Expert Price Analysis
Upon reviewing insurance quotes for Aussies across various ages and cities,it was evident that Lemonade consistently emerged as one of the most affordable options. This held true even when factoring in identical deductibles,reimbursements,and annual payouts. Additionally,with coverage for vet exam fees included,Lemonade still provided remarkably competitive rates compared to other top insurers.
| Pros | Cons |
|---|---|
| Highly competitive premium pricing for lower coverage | Only available in 37 states |
| Provides many customization options for deductibles,reimbursement rates,and annual payouts | Maximum coverage with all add-ons included is pricier than similar options from other insurers for Aussies |
| 5% discount when insuring multiple pets | Prolonged 6-month waiting period for CCL injury coverage |
| Speedy average of 2-day claim processing | |
| Curable pre-existing conditions are covered after one year without symptoms | |
| 2 optional wellness plans to choose from | |
| Coverage for hip dysplasia has a shorter than usual 30-day waiting period |
In-Depth Review Of Lemonade
Check out my thorough review of Lemonade,where I dive deeper into this provider’s coverage options,add-ons,optional preventative plans,and other features.
Best For Pre-Existing Bilateral Conditions:Trupanion
- Policy Options:Accident &Illness
- Per-IncidentDeductible Options:$0 – $1,000 (in $5 increments)
- Annual Payout Options:Unlimited
- Reimbursement Options:50%,60%,70%,80%,90%,100%
Why I Picked Trupanion
Trupanion sets itself apart from other pet insurance companies by providing coverage for pre-existing bilateral conditions. This means that if a condition is diagnosed on one side of the body before enrollment,it will not be excluded from the other side. Many providers deny coverage for pre-existing bilateral conditions,but with Trupanion,pet owners can feel financially secure and prepared,knowing that their pets are covered.
Aussies are prone to bilateral issues such as CCL tears,multiple eye disorders,and hip dysplasia.Having these conditions covered can be immensely advantageous,especially considering the high costs associated with many bilateral health issues. Additionally,Trupanion’s policies offer unlimited annual payouts,so you never have to worry about your coverage running out during your policy year.
Expert Price Analysis
While looking at quotes for different ages and locations,I discovered that Trupanion’s premiums for Aussies were significantly higher than those from other companies. For older dogs,this discrepancy can often reach hundreds of dollars.
| Pros | Cons |
|---|---|
| All policies have unlimited annual and lifetime payouts | Premiums for Aussies are consistently higher than other providers |
| Trupanion can pay participating veterinarians directly,so you won’t have to wait for reimbursement | Offers no coverage for vet exam fees or optional wellness plans |
| Doesn’t exclude pre-existing bilateral medical conditions | Prolonged 30-day waiting period for illnesses |
| Curable pre-existing conditions are covered after one year without symptoms | |
| Speedy average of 2-day claim processing | |
| Coverage for hip dysplasia and CCL injuries have shorter than usual 30-day waiting periods |
In-Depth Review Of Trupanion
See my extensive Trupanion review for more detailed information on this insurer’s benefits,waiting periods,customization options,vet direct pay,and more.
What Type Of Pet Insurance Plan Is Best For Australian Shepherds?
Pet insurance typically comes in two main types:accident-only plans and those covering both accidents and illnesses. Additionally,some providers offer optional wellness plans. Although these aren’t technically insurance,they can be a fantastic way to manage costs for regular checkups and preventive treatments,ensuring your Australian Shepherd remains in top health.
| Accident-Only | Accident &Illness | Wellness | |
|---|---|---|---|
| Injuries(foreign object ingestion,CCL tears,broken bones,wounds,etc.) |  | | |
| Diseases(allergies,Cushing’s disease,hip dysplasia,blood disorders,cancer,hypothyroidism,etc.) | | ||
| Preventative(annual checkups,vaccinations,professional dental cleaning,etc.) | |
What Are Accident-Only Pet Insurance Plans?
Plans designed to cover only accidents are created to assist with the expenses related to urgent medical care for pets involved in unforeseen mishaps and injuries. This includes occurrences of swallowing a foreign object,CCL tears,accidental eye damage,broken bones,cuts,and more.
Accident-only plans are an excellent choice for pet owners on a tight budget or those whose dogs have multiple pre-existing conditions that might not qualify for a broader policy covering both accidents and illnesses. It’s important to note that these plans do not cover diseases or genetic conditions. Additionally,only a select few providers offer plans focused solely on accidents.
Pricing Tip– When compared to policies that cover both accidents and illnesses,the cost of accident-only plan premiums is usually much lower.
What Are Accident &Illness Pet Insurance Plans?
Accident and illness pet insurance plans provide broad protection for a range of medical issues,including physical injuries,illnesses,and genetic conditionssuch as hip dysplasia,cataracts,allergies,kidney and bladder stones,epilepsy,Cushing’s disease,and other diseases frequently seen in this breed. This means you’re fully prepared to deal with a wide array of health problems your dog might face.
What Are Wellness Plans?
Adding a wellness plan to your pet insurance coverage is a wise decision to manage your pet’s health effectively. These plans assist in paying for the costs associated with routine preventive care,such as annual examinations,immunizations,professional dental cleaning,and other services.By preparing for your pet’s health with a wellness strategy,you can alleviate money worries and enhance your pet’s health.
It’s important to remember that wellness plans are not the same as pet insurance. They don’t cover costs related to illnesses or accidents,only preventative care.
What Does Pet Insurance Cover &Exclude?
The following conditions are typically covered by the insurance plans for illnesses and accidents offered by different providers when deemed medically necessary. Reviewing your policy in its entirety is essential because different insurers may impose other restrictions under certain conditions.
| Covered | Excluded |
|---|---|
| Blood tests | Boarding |
| Cancer (chemo &radiation) | Cremation &burial costs |
| CT scans | Elective procedures (e.g.,declawing,ear cropping,spaying/neutering,tail docking,etc.) |
| Chronic conditions | Food &supplements |
| Congenital conditions | Grooming |
| Emergency care | Pre-existing conditions* |
| Euthanasia | Pregnancy &breeding |
| Hereditary conditions | Vaccines |
| MRIs | |
| Non-routine dental treatment | |
| Prescription medications | |
| Rehabilitation | |
| Specialized exams &care | |
| Surgery &hospitalization | |
| Ultrasounds | |
| X-rays |
What Determines The Cost Of Pet Insurance For Australian Shepherds?
The location of your Australian Shepherd,their age,the underwriting requirements of various insurers,and other factors can all affect how much pet insurance costs. Here’s a quick rundown to help you understand.
- The age of your dogplays a crucial role in determining the cost of pet insurance. Younger pups typically have lower premiums because they are considered to be at a lower health risk than their older counterparts.
- The cost of living in your regiondirectly influences premium rates. It’s essential to remember that any pricing changes affect you and your veterinarians similarly. As a result,if you live in an area with a high cost of living,you can expect your veterinary expenses and pet insurance premiums to be higher.
- The breed of a dogis a key factor in figuring out the cost of pet insurance. Some breeds are more susceptible to health problems than others. Furthermore,purebred dogslike Australian Shepherds often encounter more health issues,which can result in higher insurance costs.
- Male Australian Shepherds might be pricier to cover than females.This is because larger male dogs typically need bigger doses of medication,larger medical tools,and more supplies. However,it’s worth noting that not every insurance provider sets their premium rates based on the dog’s gender.
You may not be able to control the factors mentioned above that affect the cost of your policy,but there are several ways to customize your pet insurance plan to fit your needs and budget. Let’s explore how you might benefit from this.
Customization Options Affect Cost &Benefits
Did you realize you have considerable influence over how much a pet insurance policy costs? Many pet insurance companies provide a range of adjustable features to meet your budget requirements and your Aussie’s needs. You can select a policy that only covers accidents or one that also covers illnesses. Additionally,you can modify the deductible,the percentage you’re reimbursed,and the highest annual amount you can receive. It’s crucial to grasp how each adjustment impacts your benefits and coverage.
What Is The Maximum Payout?
The pet insurance industry has two types of payouts:annual and lifetime. Annual maximum payouts are the upper limit of how much the insurance provider will pay for your pet’s healthcare costs within a single policy year. Conversely,a lifetime cap is the aggregate sum the insurer will cover for your pet’s treatment throughout their insured lifetime. The companies in this article have annual payouts featuring typical choices of $5,000,$10,000,and unlimited.
Pricing Tip– Choosing a higher payout increases your monthly premium,but it can help you save money if your dog requires a lot of costly medical treatment during the year.
Is The Deductible Annual Or Per-Incident?
The deductible is the predetermined sum you must pay out of pocket before your insurance company steps in to pay for the remaining costs of your pet’s veterinary care. Most providers have an annual deductible,typically between $100 and $1,000. On the other hand,Trupanion implements a deductible applied per incident (also known as per condition). How does each work?
- Annual deductible:This is a set amount you pay each policy year,no matter how many health issues your dog might face or the treatments they require. This predictability makes it easier for you to budget and manage your pet’s healthcare costs.
- Per-incident deductible:Each time your pet faces a new medical problem or emergency,you must pay a per-condition deductible. This can accumulate rapidly if your dog has several different health issues in one year. On the bright side,for ongoing chronic conditions such as allergies,epilepsy,hypothyroidism,and Cushing’s disease,this deductible can be advantageous since you only pay it once for that particular condition during your pet’s insured lifetime.
Pricing Tip – Your monthly premium is less expensive with a higher deductible,but your out-of-pocket costs will increase should your pup require vet care.
What’s The Reimbursement Percentage?
The amount of your veterinary bills that your insurance company will pay after you pay your deductible depends on your chosen reimbursement rate. For instance,if you opt for a $100 deductible and a 90% reimbursement rate,you’re responsible for the first $100 in addition to 10% of the total veterinary bill. The insurer will reimburse you for the rest of the cost. Reimbursement options typically include 70%,80%,and 90%.
Pricing Tip– Selecting a higher reimbursement percentage increases your monthly premium but lowers your out-of-pocket medical expenses at the time of treatment.
Learn More About Pet Insurance Costs
Check out my comprehensive article on pet insurance costs,which includes specific examples of how each customization option affects your benefits.
How Much Is Pet Insurance For An Australian Shepherd?
Type in your zip code and Aussie’s details below to receive tailored pet insurance quotes from several top-rated companies. This will provide you with the most accurate pricing for your pup. I’ve also obtained quotes for Australian Shepherds to show you how the prices compare.
According to NAPHIA (North American Pet Health Insurance Association),the average monthly premium for an accident and illness dog insurance policy in the U.S. is $56.30 ($31.94 for cats).
I’ve collected several insurance quotes for Aussies,taking into account various locations and ages,to give you an overview of the average cost of insurance. These quotes include similar customization options to more accurately compare premium pricing across providers.
*80% reimbursement;†50% reimbursement and $1,000 deductible (no other options);‡$0 deductible;§Unlimited annual payouts
Australian Shepherd Insurance Cost:Lowest &Highest Amounts
Additionally,I’ve obtained quotes for the lowest and highest insurance premiums from the same companies to compare costs further. These quotes consider the yearly payout,reimbursement,deductible,and add-ons (excluding wellness plans). I’ve looked at two different ages of Aussies to show how the cost of insurance changes based on the dog’s age when enrolled.
| Company | 2mo old 95818 (Sacramento,CA) | 5yr old 95818 (Sacramento,CA) | 2mo old 14211 (Buffalo,NY) | 5yr old 14211 (Buffalo,NY) | 2mo old 33604 (Tampa,FL) | 5yr old 33604 (Tampa,FL) | 2mo old 78731 (Austin,TX) | 5yr old 78731 (Austin,TX) | 2mo old 07305 (Jersey City,NJ) | 5yr old 07305 (Jersey City,NJ) |
|---|---|---|---|---|---|---|---|---|---|---|
| $16-$98 | $18-$110 | $10-$66 | $12-$74 | $11-$69 | $11-$71 | $13-$74 | $13-$76 | $18-$103 | $18-$106 |
| $26-$65 | $43-$110 | $22-$46 | $37-$81 | $25-$54 | $42-$96 | $27-$58 | $45-$101 | $26-$49 | $43-$84 |
 | $21-$55 | $31-$62 | $20-$42 | Uninsurable | $28-$67 | $45-$118 | $26-$66 | $38-$60 | $22-$44 | $32-$50 |
| $18-$105 | $23-$136 | $15-$114 | $20-$148 | $12-$91 | $17-$131 | $13-$100 | $19-$145 | $22-$144 | $29-$188 |
 | $19-$147 | Uninsurable | $22-$137 | $23-$140 | $16-$74 | $20-$96 | $16-$106 | $21-$139 | $24-$111 | $31-$146 |
| $16-$120 | $18-$132 | $19-$107 | $18-$104 | $12-$81 | $13-$91 | $32-$135 | $25-$111 | $22-$119 | $22-$116 |
| $48-$199 | $98-$427 | $43-$175 | $73-$311 | $83-$153 | $177-$328 | $40-$160 | $76-$329 | $48-$198 | $96-$418 |
What Are Waiting Periods For Australian Shepherd Pet Insurance?
The waiting period refers to the duration between signing up for an insurance plan and the start of your coverage,and this can differ based on the insurance provider. For accidents,waiting periods can be anywhere from 0 to 15 days,whereas for illnesses,it usually lasts around 14 days. However,many insurers have longer waiting periods for orthopedic conditions such as hip dysplasia and CCL tears,often found in Australian Shepherds.
*States are slowly adopting a Model Law for pet insurance. This Model Law attempts to standardize each state’s regulations,which includes a standard for waiting periods that all companies must follow. Waiting periods for California,Delaware,Louisiana,Maine,Mississippi,Nebraska,New Hampshire,and Washington are as follows:
- Accidents – 0 days
- Illnesses – 14 days
- Cruciate Ligament Conditions – 30 days
- Routine Care – 0 days
How Does Pet Insurance For Australian Shepherds Work?
Once the waiting periods specified in your policy are over,utilizing your pet insurance is straightforward.
- When your pup gets treatment,pay your veterinarian’s bill.
- Send a claim form along with a comprehensive receipt to your insurance provider. It may be helpful to bring a copy of your claim form to your vet appointment,as certain insurance companies require your vet’s signature.
- You will receive your reimbursement*via the payment method of your choice—a check,direct deposit,or another option—once the insurance company approves your claim.
* The reimbursement period can vary significantly,lasting anywhere from a few minutes to several weeks. This variation is influenced by the company’s processing time and the complexity of your claim.
15 Common Health Issues In Australian Shepherds
Typically,Australian Shepherds live between 12 to 15 years. While they generally enjoy better health than many other purebred breeds,they can still face certain expensive health issues. As a proud Aussie owner,it’s important to stay informed about potential health risks and the financial responsibilities that come with caring for this breed.
- Aussies often face issues with elbow and hip dysplasia,which occurs when the bones don’t align properly with the joint socket. In many cases,surgical intervention is required,with costs falling between $1,700 and $4,500 or even higher for each affected joint.
- Due to their super high energy levels,Aussies are prone to cranial cruciate ligament (CCL) injuries. This causes the CCL to tear in the kneeand often requires orthopedic surgery. Expenses vary from $1,600 to $6,000 or more.
- Degenerative myelopathy (DM)is a condition affecting the nervous system. It leads to a gradual decline in strength and ability to use the back legs. Treatments aimed at managing DM’s progression,like exercise therapy and nutritional aids,can cost $500 or more each month.
- Aussies are at high risk for several eye disorders,including cataracts,distichiasis,collie eye anomaly (CEA),optic nerve colobomas (ONC),and progressive retinal atrophy (PRA). Some of these eye conditions are treatable,but costs vary. For example,cataract surgery can range from $2,600 to $3,800. Treatment for distichiasis runs from $1,500 to $2,000.Unfortunately,there’s no cure for PRA,CEA,and ONC.
- Aussies need a lot of physical activity and mental stimulation. Otherwise,they might suffer from stress and exhibit behavior problems,such as excessive chewing. Swallowing a foreign object can lead to a severe intestinal blockage. Depending on the severity,the expenses for identifying and treating this issue can range from$800 to $7,000.
- Australian Shepherds are particularly at risk for two types of cancer:lymphomaand hemangiosarcoma. Treatment typically includes surgery to remove the tumor and chemotherapy. The cost for surgery starts at around $1,500,while chemotherapy can range from $200 to $5,000.
- Aussies are prone to allergies. Allergy tests,injections,medications,special diets,creams,and more can run into hundreds of dollars each year.
- Due to their floppy ears and thick fur,Aussies are more prone to develop ear infections. Each instance of diagnostic testing,medication,and first and subsequent veterinary visits may cost $500 or more.
- Another genetic issue seen in Aussies is autoimmune thyroiditis,leading to hypothyroidism,a condition where the thyroid gland fails to produce sufficient hormones. This requires lifelong medication and consistent testing. Medication generally ranges from $20 to $50 each month.For the initial diagnostic tests,you might spend anywhere from $50 to $150. Additionally,annual retesting typically costs between $50 and $100.
- Cushing’s diseaseoccurs when the body produces too much cortisol. Managing the disease usually involves a diet change and lifelong medication. Getting a diagnosiscan be expensive,with costs averaging between $500 to $1,500. Medication ranges from $50 to $200 each month.
- Epilepsyis a genetic disorder that causes dogs to experience seizures. The yearly expense for drugs can range around $500,varying based on the chosen medication. It’s also crucial to consider the costs related to diagnostic tests.
- Immune-mediated hemolytic anemia(IMHA) occurs when antibodies attack red blood cells,which can lead to anemia. In serious cases,the typical estimate for IMHA evaluation and treatment is between $3,000-$4,000.
- Dogs with von Willebrand diseasehave a lower level of von Willebrand factor (vWF) in their blood,which makes them more prone to bleeding. Treatment options include blood transfusions,surgery (which can cost anywhere from $800 to $1,500),and the administration of a synthetic hormone to raise vWF temporarily.
- A portosystemic (liver) shuntis a birth defect involving a faulty blood vessel that obstructs the liver’s function in removing toxins. Surgical treatment is usually necessary to treat this problem,with simple cases ranging from $2,000 to $3,000.More complex situations can cost over $10,000.
- Kidney and bladder stonesdevelop when there are too many minerals in the urine,or the acidity of the urine is off balance. The stones can be taken out through surgery or without surgery,but the price tag for this can go as high as $3,000.
Get Your Aussie Tested For MDR1
While there is no cure or treatment,it’s important to know that your pup could have MDR1 drug sensitivity. This is a genetic mutation that can make Aussies more sensitive to the negative effects of certain medications. To avoid serious or even life-threatening adverse reactions,it’s essential to test your pup for this genetic defect. At-home DNA testing kits from Embark and Wisdom Panel can tell you if your Aussie has inherited this health risk.
Is Pet Insurance Worth It For Australian Shepherds?
Consider the statistics. A report by the American College of Veterinary Ophthalmologists (ACV) found that nearly 17% of Aussies had at least one eye disorder. According to the Orthopedic Foundation of America (OFA) 2023 testing statistics,nearly 14% of Aussies had degenerative myelopathy,and 6.3% had hip dysplasia. Another measure of this breed’s health is Embark’s at-home DNA testing for inherited disease risks. Based on Embark’s current database,over 27% of Aussies have tested at risk for MDR1 drug sensitivity.
It’s evident that Australian Shepherds are prone to health issues that could result in considerable financial burdens without pet insurance. Pet insurance guarantees your Aussie gets the best medical attention without the stress of the expenses.It’s crucial to obtain insurance for your dog before any health crises or genetic health problems arise. The earlier you get coverage for your dog,the more advantageous it is,as conditions present before you enroll may not be covered.
Determine If Your Australian Shepherd Needs Insurance
Check out my comprehensive guide on whether pet insurance is worth it for your Aussie if you still need help deciding whether to get dog health insurance. It will assist you in weighing all the benefits and drawbacks.
5 Steps To Find The Best Pet Insurance For Australian Shepherds
There are a few essential considerations to make when selecting the best insurance plan for your Aussie.
- Start by investigating the reputations of various insurance providers.Generally,well-established companies with a solid track record are more dependable than those just starting out.
- Familiarize yourself with the typical health problems Aussies might face and carefully review the policy’s details to see how each condition is handled.
- Consider if you would rather have coverage that only includes accidents or a more comprehensive plan covering accidents and illnesses.
- It’s also necessary to understand how the reimbursement process works and how long it usually takes for each provider to handle claims.
- Lastly,be sure to get pet insurance quotesfrom at least three different companies so you can compare their prices effectively.
Methodology
To determine the best pet insurance for Australian Shepherds,we analyzed more than 40 U.S. pet insurance companies to provide an unbiased breakdown of how providers compare against one another. Our in-depth research includes:
- Running thousands of price quotes
- Reading hundreds of customer reviews
- Scrutinizing every policy from top to bottom and reading all the fine print
- Scoping out the purchase process
- Speaking with customer service representatives
- Having firsthand experience submitting claims with companies
- Comparing plan customization details
- Examining how long it takes to receive reimbursement
- Factoring in company history and years in the pet insurance marketplace
- Meeting with company representatives to discuss changes related to the industry,their company,and their offerings
- Requiring national experience for companies
Unlike many other review sites,we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also point out each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade,we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews,regularly check them for accuracy,and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Additional Pet Insurance Resources
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012,well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance,including Kimberly Alt,who has been Canine Journal’s go-to writer for pet insurance for over a decade,having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head,she can find it within minutes due to her vast list of resources. Kimberly also has extensive knowledge of dog health conditions,which can help her recommend pet insurance providers to pet owners with specific breeds.
Kimberly collaborated with Sally Jones,a seasoned health sciences communications professional with decades of experience. Sally specializes in dog health and is adept at producing content on technical topics such as pet insurance. Her wealth of knowledge and insight played a crucial role in this article’s thorough research and composition.
Kimberly also consulted with Michelle Schenker,Canine Journal’s in-house licensed insurance agent,for additional expertise to ensure accuracy and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
