The Border Collie is widely acknowledged as one of the most intelligent dogs but how costly are they to insure? And which companies might give the best quotes?
In September 2018 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims
a) To identify which dog breeds were most and least expensive to insure
b) To identify which insurance companies might produce the best value quotes for each breed. (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)
Pet Insurance Quotes for Border Collies
Border Collies just scrape into our top ten of the cheapest breeds to insure! They are considerably cheaper than other breeds of a similar size. For example on average the premiums for a Border Collie are about 20% less than for the Springer Spaniel.
However it is important to realise that whilst some insurers clearly view the Border Collie as low risk, many others view them as average risk and price their premiums accordingly.
How Different Insurance Companies Rate Border Collies
Lowest Risk Ratings
The five pet insurance companies which had the lowest risk rating for the Border Collie and therefore more likely to give you a competitive quote were
Highest Risk Ratings
The four pet insurance companies which had the highest risk rating for Border Collies and therefore least likely to give you a competitive quote were
It is worth noting here than many pet insurance companies charge higher premiums for Working Sheepdogs than they do for border collies. The average premium quote for a working sheepdog was 25% higher than that for a Border Collie!
Although premiums will always be an important factor, you must remember that there are many differences between pet insurance policies. This means it is very important always to do your research thoroughly – and always read the small print!
A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode). However all other things being equal you are likely to get a more competitive quote for your Border Collie from the companies listed as rating the breed as below average risk. So it is certainly worth checking them out!