Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
📍 84%[10] of customers choose lifetime pet insurance
Border Collie pet insurance
Compare Border Collie insurance
Quotes from £4.64[1]
Complete a purchase and earn a £10 reward with super save club logo
Item 1 of 2
Do I need Border Collie pet insurance?
You don't legally need pet insurance for a Border Collie in the UK, but cover can help with unexpected costs if your dog becomes ill, gets injured or causes an incident. Depending on your policy, Border Collie insurance may cover costs if:
Your Border Collie becomes ill, is injured or needs to be put down
Your Border Collie is lost or stolen
Your Border Collie injures someone or damages their property, including their pets
How much is Border Collie insurance?
Cheapest monthly price
£4
.64[1]
Average monthly price
£11
.78[4]
Are Border Collies expensive to insure?
No, Border Collies are not generally considered an expensive breed to insure - Border Collies cost slightly less than the average dog to insure based on our latest figures.
The amount you pay will also depend on your dog's age, health and medical history, where you live and the level of cover you choose.
The average cost of dog insurance is £12.33[5] a month, compared with £11.78[4] a month for a Border Collie.
What impacts the cost of pet insurance?
Some factors that change the price you pay for pet insurance are:
The type of cover you select
Your pet's age
Your pet's breed
If your pet has any history of aggression
If your pet has any pre-existing medical conditions
Your location
Your claim history
On average, owners of aggressive pets pay 8.50%[6] more for their pet insurance. A pet that has had complaints made about it will cost its owners 6.34%[6] more.
How can I get cheaper pet insurance?
Some ways to reduce the price of your pet insurance premiums include:
Compare quotes
Select a multi-pet policy
Select an accident-only policy
Maintain your pet's health
Increase your excess
Pay annually
Spay or neuter your pet
Spaying or neutering your pets will reduce your insurance costs by an average of 0.56%[6] on average.
You can find much bigger savings of up to 40.41%[7] by selecting an accident-only insurance policy, but you will get much more limited cover.
How much is the average pet insurance claim?
£685[8]
According to the Association of British Insurers (ABI)
What type of Border Collie insurance should I get?
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Maximum benefit
Sets limits on how much you can claim for any given illness or injury.
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Time limited cover
Covers your pet for a specific period of time (usually 12 months).
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Accident only cover
The cheapest option, but it only covers accidents, not illnesses.
📍 Accident only policies are 40.41%[7] cheaper on average
What is the most common pet insurance claim for Border Collies?
These are the most common claims made on Border Collie pet insurance, according to The Insurance Emporium.
Will my pet insurance cover all these illnesses and accidents?
Accident-only policies cover injuries such as broken bones or burns, but they won’t cover illnesses like seizures. So if your Border Collie developed epilepsy, you’d need to pay an average of £218[9] yourself.
Time-limited and maximum benefit policies do include illness cover, but only up to a fixed time period or payout limit. Once you hit that limit, ongoing and recurring conditions like arthritis won’t be covered anymore. This could leave you facing repeated out-of-pocket costs of £283[9].
Lifetime policies renew the vet fee limit every year, meaning you can continue claiming for long-term conditions. However, premiums tend to rise annually, and changing insurer usually means existing conditions will no longer be covered.
What does Border Collie insurance cover?
Cover varies by provider and policy, so always check your insurance documents.
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Typically covered
✔ Vet billse.g. medicines, treatments and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Dental treatment for accidents, like breaking a tooth
✔ Alternative therapies e.g. hydrotherapy or acupuncture (when recommended by a vet)
✔ Euthanasia (putting pets down)
✔ Lost and stolen pets e.g. advertising, rewards, refund of purchase price
✔ Third party liability cover e.g. your dog harms someone or their property
✔ Emergency boarding fees e.g. if you are unexpectedly hospitalised
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Not typically covered
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Training and obedience classes
✖ Banned breeds or dog breeds classed as dangerous
✖ Unvaccinated or unmicrochipped animals
Can I get pet insurance if my Border Collie has a pre-existing condition?
Yes, having a pre-existing condition doesn't necessarily mean you can't insure your Border Collie.
Standard policies usually exclude conditions that existed before your cover began. However, specialist pet insurance may cover certain pre-existing conditions, although premiums can be higher and restrictions may apply.
Can I get pet insurance if my Border Collie is aggressive?
Yes, you may still be able to get pet insurance for a Border Collie with a history of aggressive behaviour.
You should tell insurers about previous incidents when getting a quote. Aggression, biting or complaints about your dog could affect your premium or the type of cover available.
What health issues do Border Collies have?
Border Collies can be affected by several inherited and long-term health conditions, including:
Hip dysplasia
Collie eye anomaly
Epilepsy
Glaucoma
Sensory neuropathy
Trapped neutrophil syndrome
The PDSA also highlights inherited conditions including cobalamin malabsorption and sensitivity to certain medications.
Are Border Collies an aggressive dog breed?
No, Border Collies aren't generally considered an aggressive breed.
However, they're highly energetic working dogs with strong herding instincts, and individual behaviour varies. Early socialisation, positive training and enough physical and mental stimulation can help prevent behavioural problems from developing.
Only 0.6%[12] of Border Collie owners report that their dog show signs of aggression such as tackling or biting other people or pets.
Our expert says…
While opting for a cheaper pet insurance policy might save you a few pounds a month, it's a good idea to consider what the policy covers and the actual cost of veterinary care if your pet gets sick.
According to the ABI, the average pet insurance claim in the UK was £685[8] in 2024. That's significantly higher than the average annual cost of cover for a dog (£165.43[13]) or cat (£81.48[14]).
And while that’s the average, some conditions can be far more expensive. For example, treatment for elbow dysplasia, a common condition in large dog breeds, can cost over £50,000, according to the ABI.
Lauren Chong Pet Insurance Expert
Frequently Asked Questions
Do Border Collies make good pets?
Yes, Border Collies can make excellent pets for active and experienced owners.
They're highly intelligent and energetic, so they need plenty of exercise, training and mental stimulation. They may be less suitable for households looking for a more relaxed or low-maintenance dog.
How long do Border Collies live?
Border Collies typically have a lifespan of more than 12 years, although this varies according to the individual dog's health, genetics and care.
Do Border Collies need to be microchipped?
Yes. All dogs in the UK must be microchipped and registered on an approved database by eight weeks old.
Owners are also responsible for keeping the registered details up to date. You could face a fine of up to £500 for failing to comply with microchipping requirements.
Are Border Collies high maintenance?
They can be, particularly when it comes to exercise and mental stimulation.
Their coats usually only need brushing a couple of times a week, but Border Collies need a lot of activity and interaction to prevent boredom.
How much exercise does a Border Collie need?
Border Collies need at least two hours of exercise every day, according to the PDSA.
They also need mental stimulation through activities such as training, games, agility or puzzle feeders.
Are Border Collies easy to train?
Border Collies are highly intelligent and can learn commands quickly, particularly with experienced owners.
Positive, reward-based training should start early and continue throughout their lives to keep them both mentally stimulated and well behaved.
Can Border Collies be left alone?
Border Collies generally don't cope well with being left alone for long periods.
They're energetic and people-orientated, and insufficient company, exercise or stimulation can lead to boredom and unwanted behaviour.
Are Border Collies good with children?
A well-socialised Border Collie can get along with children, but their natural herding instinct can sometimes lead them to try to herd people.
The PDSA suggests they're generally better suited to adult households or families with older children rather than very young children. Dogs should always be supervised around children.
Compare pet insurance quotes from the UK's leading insurers
We compare quotes from 37[15] of the most trusted providers, so you can easily compare cover level, vet fee limits, excess and price.
What information do I need to get a pet insurance quote?
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Pet’s age
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Pet's breed or size
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Pet's cost
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Pet's behavioural history
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Pet's medical history
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Pet's health*
Want rewards, cashback and free experiences? We've got you....
-
Earn up to £20[16] every time you buy
We’ll reward you every time you make a purchase. Exchange your earnings for a gift card for Amazon.co.uk[17], Sainsbury’s & more
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Free experiences
A year's worth of free experiences across the UK. From London Zoo and Go Ape, and English Heritage, there’s an adventure for everybody. Worth £180[18].
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Cashback
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We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
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No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is pet insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy pet insurance through MoneySuperMarket.
This includes:
Up to £10, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is pet insurance eligible for Price Promise?
Yes, pet insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth £10
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 23 Sep 2026
Sources and supporting information
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[1]
Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.
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[2]
SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[3]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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[4]
Based on the 51st percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.
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[5]
Based on the 51 percentile of monthly premiums our customers were quoted less than £12.33 per month for dog insurance based on quotes created on MoneySuperMarket in the month of August 2026 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
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[6]
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
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[7]
Based on Pet Insurance enquiries on MoneySuperMarket between 2026-04-01 and 2026-07-01 where the quote was for all covertype.
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[8]
Source: Association of British Insurers (ABI), 2025, 'Insurance payouts for ‘pawly’ pets top £1 billion for third year in a row' https://www.abi.org.uk/news/news-articles/2025/5/insurance-payouts-for-pawly-pets-top-1-billion-for-third-year-in-a-row/
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[9]
Based on the Insurance Emporium's claims data, January-June 2026
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[10]
Percentage of sold polices where the user searched for a covertype of LIFETIME. Using Moneysupermarket policies sold between June 2026 and August 2026.
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[11]
Based on The Insurance Emporium's claims data, January to December 2025
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[12]
Based on the volume of dog insurance quotes created on MoneySuperMarket between September 2024 and August 2026.
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[13]
Based on the median annual premium our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.
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[14]
Based on the median annual premium our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.
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[15]
Accurate as of 18 September 2026.
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[16]
T&Cs and restrictions apply, see here for more information
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[17]
T&Cs apply, click here for more information
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[18]
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
