Dog Breeds / Collie
Best Pet Insurance for Collies (2026)
Collies are elegant, intelligent herding dogs famous from Lassie. They face hereditary eye conditions, drug sensitivities, and skin problems. Knowing about MDR1 sensitivity is critical—certain common drugs can be fatal. Insurance helps manage their genetic health concerns.
See Top Picks →🏆 Our Top Picks for Collies
Embrace
Best for hereditary conditions
Healthy Paws
Best unlimited coverage
Pets Best
Best value option
Why Collies Need Insurance
Collies face Collie Eye Anomaly, dermatomyositis (skin/muscle disease), and the MDR1 mutation that makes common drugs dangerous. Insurance covers testing and treatment for these hereditary conditions.
Common Health Issues & Costs
| Condition | What It Is | Typical Cost |
|---|---|---|
| Collie Eye Anomaly | Hereditary eye defect | $500 - $2,000 |
| MDR1 Drug Sensitivity | Dangerous drug reactions | $50 - $200 (testing) |
| Dermatomyositis | Skin and muscle disease | $500 - $2,000/year |
| Progressive Retinal Atrophy | Degenerative blindness | $500 - $2,000 |
| Bloat (GDV) | Stomach twist emergency | $3,000 - $7,500 |
| Hip Dysplasia | Joint malformation | $3,500 - $7,000 |
What to Look For in Collie Insurance
✓ Must-Have Coverage
- Hereditary condition coverage — Multiple genetic issues
- Eye condition coverage — CEA and PRA
- Chronic condition coverage — Dermatomyositis ongoing
- Bloat coverage — Deep-chested breed
✗ Red Flags to Avoid
- Eye condition exclusions
- Hereditary exclusions
- Skin condition exclusions
- Long waiting periods
Best Insurance Providers for Collies
Embrace
Best for Hereditary Conditions
$35-55/mo
estimated monthly
Embrace offers comprehensive hereditary coverage important for Collies with multiple genetic health concerns.
Pros
- Excellent hereditary coverage
- Good eye coverage
- Covers dermatomyositis
- 6-month orthopedic wait
Cons
- Annual limits apply
- Wellness costs extra
Healthy Paws
Best Unlimited Coverage
$38-60/mo
estimated monthly
No caps mean your Collie's eye treatment, skin conditions, or any issue is fully covered.
Pros
- No annual limits
- Covers hereditary conditions
- Fast claims
- No per-condition caps
Cons
- No wellness coverage
- 12-month hip wait
Pets Best
Best Value Option
$32-52/mo
estimated monthly
Good coverage at competitive prices for Collie owners.
Pros
- Competitive pricing
- Covers hereditary conditions
- Multiple plans
- Unlimited available
Cons
- Some claim delays
- Service varies
How Much Does Collie Insurance Cost?
Collies have moderate insurance costs. Here's what to expect:
Puppy (8 weeks - 1 year)
$28 - $45/month
Adult (1-9 years)
$35 - $62/month
Senior (10+ years)
$55 - $95+/month
* Estimates based on average rates. Actual cost depends on your location, chosen deductible, reimbursement level, and coverage limits.
Frequently Asked Questions
Is pet insurance worth it for a Collie?
Yes. Collies have multiple hereditary conditions including eye disease, drug sensitivity, and skin problems. Insurance helps manage these genetic health concerns.
What is MDR1 drug sensitivity?
A genetic mutation making certain drugs (ivermectin, loperamide, others) potentially fatal. Get your Collie tested and inform every vet. This is critical safety information.
What is Collie Eye Anomaly?
A hereditary defect affecting eye development. Severity ranges from mild to severe vision loss. All Collies should be screened, and breeders should test.
What is dermatomyositis?
A hereditary skin and muscle disease causing lesions and muscle wasting. It requires ongoing management. Collies and Shelties are predisposed.
How long do Collies live?
12-14 years typically. Avoiding MDR1-dangerous drugs and managing health conditions helps maximize lifespan.
Protect Your Collie
Protect your elegant Collie from hereditary health issues. Compare quotes today.
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