2024 Best Pet Insurance for Australian Shepherd

Last updated Feb 10, 2022

Are you a dog/cat owner or considering adopting? You've come to the right place! Check everything you need to know about Australian Shepherd below to see if they're the great fit. We'll cover breed characteristics, personality, common health issues, care and sanitary information and pet insurance cost. While pet insurance usually doesn’t cover pre-existing conditions such as hip dysplasia, elbow dysplasia, and cushing's disease, it helps cover the vet’s bills in case your pet gets sick or injured. The average pet insurance premium for dog is around $218.13 per year for accident only and $594.15 per year for accident and illness.

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The Australian Shepherd is a sturdy ranch dog with a slim build. They're popular on the rodeo circuit and have a strong connection to the cowboy lifestyle. Aussies are highly intelligent animals, capable of deceiving a gullible new owner.

The Australian Shepherd is a stunning medium-sized dog that is accustomed to working on a farm. Because of his working background and high intelligence, he needs to be challenged by obedience and/or agility training. He has a lot of energy and should get at least two hours of exercise every day, with plenty of opportunity to run around. His thick coat will require grooming on a regular basis.

Common Health Problems/Possible Pre-Existing Condition

Health Problem Risk Medical Cost
Hip Dysplasia $1,500-$6,000
Elbow Dysplasia $1,500-$4,000
Cushing's Disease $3,000-$10,000
Optic Nerve Colobomas $100-$300

Average Size and Life Expectancy


Average Pet Insurance Cost and Why Your Australian Shepherd Need it?

Depending on where you reside, the age of your dog, and the policy settings you select, pet insurance may cost more or less. Australian Shepherd policies can be more costly than mixed breed policies since Australian Shepherd are considerably more likely than mixed breed dogs to file claims for inherited diseases that are expensive to treat.

According to the 2021-2022 APPA National Pet Owners Survey, the annual expenses of surgical vet visits for dogs is $458 on average and the average annual expenses of routine vet visits for dogs is $242. But if a pet becomes ill or has an accident, those expenses can increase drastically.

Every year, 1 out of every 3 pets will require emergency treatment. According to Petplan, the typical cost of unexpected veterinary care for pets ranges from $800 to $1,500 while around 61 percent of Americans do not even have enough money set up to meet a $1,000 emergency. You’ll always need a pet insurance to save your life because unanticipated crises and operations are the most unaffordable burden. Pet insurance won’t cover all the spending at the vet, but it can help you from going bankrupt in just a snap.

After you pay a deductible, which can vary from $0 to $1,000 or more depending on your plan, an insurance policy normally pays 70% to 90% of your costs.

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Care & Sanitary

Despite the fact that their coats are longer, Australian shepherd grooming is generally low-maintenance. Their weather-resistant top coat is reasonably self-cleaning (which means less full baths! ), but it does require weekly brushing with a slicker brush to prevent shedding and matting, aid in dirt removal, and promote healthy skin. Brushing your Aussie's coat twice a week during high shedding periods (like spring and fall) is recommended to keep it clean and healthy.

Brushing their hair on a regular basis is also a good opportunity to check for things like coat sheen (dull hair could indicate a lack of nutrients in your diet), nail length, and ear and dental health.

Other Tips to Save Money on Pet Insurance

  • Higher deductible
    Consider having higher deductible plan if you only make one or two claim annually. The higher your deductible, the cheaper your monthly premium will be. But if your pet needs to visit the vet on a regular basis, a high deductible could harm your pocket badly.
  • Lower reimbursement plan
    Limit the amount you get from insurer if you file a claim. Just like the higher deductible, it could decrease your monthly rates but also risky if your pet get seriously ill often.
  • Pay annually
    Some insurer are willing to provide discount if you agree to an annual payment.
  • Insure them in an early age
    The younger your pet, the lower the insurance rates will be. Young pets usually have fewer pre-existing conditions. Oftentimes, accidents can happen sooner than you think. Keep in mind that the insurers normally have an age limit(from 7 to 14 years old, depending on companies) that they will not accept your pet.
  • Shop around
    Always look for better deals. You may compare pet insurance quotes through comparison websites, just like you can with other insurance, but you should also do your own research.


Find the best and cheapest pet insurance

Compare the top insurance brands at once for free