Border collie

Border collies deserve insurance that keeps up with their energy and unique health needs.

Border collie

Pet insurance for your border collie

Pet insurance protects you financially against unexpected veterinary costs for this highly active breed. Border collies are prone to hip dysplasia, epilepsy, and Collie Eye Anomaly, which may require ongoing treatment. Policy Expert offers three levels of cover-Bronze, Silver, and Gold-with varying vet fee limits. Your specific premium will depend on your dog's age, location, chosen excess, and the level of cover you select.

Insuring your border collie early, before health issues develop, means those conditions won't be classed as pre-existing and will be covered for as long as your policy renews.

Pet insurance for border collies with Policy Expert

When selecting pet insurance, Policy Expert offers several compelling advantages. Here are a few reasons people choose Policy Expert for their pet insurance needs:

Lifetime cover

Policy Expert pet insurance is a lifetime policy, meaning limits refresh each year as long as the policy is renewed without a break.

Clear quote details

Your quote and schedule will show the premium, cover level, annual limit, excess and any co-payment that applies.

Flexible cover options

 Choose from Bronze, Silver and Gold cover options, each with different annual vet fee limits and benefits.

Border collie facts

Understanding your border collie's characteristics helps you provide better care and choose appropriate insurance coverage:

  • Lifespan

    12-15 years.

  • Weight

    Typically, 12-20kg when fully grown.

  • Colours

    Most commonly black and white, but also red, blue, chocolate, and merle patterns.

  • Build

    Athletic and agile.

  • Temperament

    Highly intelligent, energetic, and intensely focused.

  • Exercise

    Exercise needs vary by dog. Ask your vet or a qualified professional for advice tailored to your border collie.

  • Grooming

    Moderate maintenance with regular brushing required, especially during shedding seasons.

Border collie personality and temperament

Border collies are intelligent, energetic dogs originally bred for herding sheep. They often enjoy learning new skills, training games and activities that keep their minds busy. They can form strong bonds with their families, though personality varies from dog to dog.

Health conditions commonly seen in border collies

Like any breed, Border Collies can develop health problems. Conditions sometimes seen in the breed include:

  • Hip Dysplasia

    A condition affecting how the hip joint develops. It can cause discomfort or problems with movement. A vet can advise on treatment for an individual dog.

  • Epilepsy

    A condition that causes seizures. Treatment needs vary, and a vet can advise on the options.

  • Collie Eye Anomaly (CEA)

    An inherited condition that affects the eye. Its effects can vary between dogs.

  • If you’re concerned about your dog’s health, speak to your vet. Whether any diagnosis or treatment is covered depends on when the condition arose and the policy’s terms, exclusions, limits, excess and any co-payment.

Caring tips for border collies

Mental stimulation is an important part of caring for a border collie. Puzzle toys and training games can help keep them engaged as part of their daily routine.

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    Socialise early and often

    Expose your border collie puppy to different people, animals, and environments to prevent behavioural issues.

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    Watch their weight

    Even slight excess weight puts additional strain on joints, increasing the risk of hip dysplasia complications. Monitor their body condition and adjust food portions as needed.

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    Provide a job

    These dogs were bred to work. Whether it's agility training, flyball, or helping carry items around the house, giving your border collie tasks keeps them mentally satisfied.

Do I need pet insurance for border collie dogs?

Pet insurance isn’t a legal requirement in the UK. It may help with eligible veterinary costs if your Border Collie becomes ill or is injured. Without insurance, you would need to pay veterinary costs yourself. Whether insurance is suitable for you depends on your circumstances and the cover you choose. Any claim is subject to the policy terms, exclusions and limits, and you may need to pay an excess and any co-payment.

How much does pet insurance cost for border collies?

Several factors influence your pet insurance premium. Your level of cover, excess and veterinary fee limit all affect your cost.

Your individual premium will be based on factors including your dog's age and your chosen cover options. Your postcode also plays a role, as veterinary costs vary across UK regions. Pre-existing conditions can affect what is covered. Any condition your border collie has before taking out insurance - or during the waiting periods - won't be covered. Health issues that first appear during your period of insurance will continue to be covered for as long as your policy renews.

Which cover should I get for my border collie?

You can choose from three levels of pet insurance cover with us: Bronze, Silver and Gold.

  • Bronze cover

    With Bronze, you get vet fee cover for eligible illnesses and injuries. Your yearly vet fee limit is £2,000 or £4,000 – your schedule shows which one applies to your pet. Third-party liability for dogs is included, along with selected vet fee benefits such as specialist diagnostics and treatment food, subject to policy limits and exclusions.

  • Silver cover

    Silver has yearly vet fee limit of £5,000 or £7,500 – check your schedule for your specific limit. It can also give you additional benefits like complementary treatment, behavioural treatment, dental care for accidents, emergency boarding or minding, and missing pet cover. You can also add optional Farewell and Holiday cover.

  • Gold cover

    Gold provides the highest yearly vet fee limit at £10,000 or £15,000, as shown on your schedule. It comes with higher limits on some benefits, dental care that covers both accidents and illness, Holiday cover included, and optional Farewell cover.

  • Your schedule shows the cover and limits that apply to you. You can compare the benefits, premium, excess and any co-payment when deciding which option meets your needs.

What does pet insurance cover for border collies?

Policy Expert pet insurance covers eligible veterinary costs if your dog becomes ill or is injured. Benefits depend on your level of cover and may include:

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    Vet fees for illness and injury

    Including diagnostic tests, medication, surgery, hospitalisation and nursing care where medically necessary.

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    Behavioural treatment

    Valuable for a working breed that can struggle without enough mental stimulation. Available on Silver and Gold cover.

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    Complementary treatment

    We will pay for ‘complementary’ vet recommended treatments such as acupuncture, hydrotherapy (up to 10 sessions), chiropractic manipulation, osteopathy and physiotherapy. Available on Silver and Gold cover.

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    Dental care

    Covered for accidents on Silver, and for accidents and illness on Gold.

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    Missing pet advertising and reward costs

    Available on Silver and Gold cover.

  • All benefits are subject to the policy terms, exclusions and applicable limits. You may also need to pay an excess and any co-payment.

Our pet insurance expert says...

“Border collies are intelligent, energetic, and loving. So when it comes to protecting your pet, we know you want confidence in your insurance cover, particularly when it comes to supporting potential lifelong conditions.”

Linda Crichton, Chief Service and Operations Officer

What is not covered with border collie dog insurance?

A few exclusions are worth knowing before you claim - particularly around behaviour and dental, which vary by tier for this breed. Your policy won't cover:

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    Pre-existing conditions

    Any signs or symptoms of a diagnosed or undiagnosed illness or injury before your policy started.

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    Routine and preventative care

    Such as vaccinations, flea treatments and routine check-ups.

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    Pregnancy and breeding costs
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    Treatment costs that exceed your policy's vet fee limit
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    Conditions related to failure to follow veterinary advice

What information do I need to get a quote for my border collie?

To get a quote for Border Collie insurance from Policy Expert, have the following details to hand:

  • Your dog's age and date of birth.

  • Your dog's microchip number.

  • Your postcode.

  • Your border collie's medical history, including any pre-existing conditions.

  • Whether your dog has been neutered.

  • Where you obtained your dog (breeder, rescue centre, etc.).

  • Your dog's purchase price or estimated value.

  • Whether your border collie is rough-coated or smooth-coated.

  • Having this information ready will help you get an accurate quote quickly through Policy Expert's online quote system.

Can I get pet insurance if my border collie has a pre-existing condition?

You can still insure a border collie with a pre-existing condition, but that condition and anything related to it will not be covered. For example, if your border collie has previously been diagnosed with epilepsy or a hip condition, future treatment linked to that condition would be excluded.

A pre-existing condition includes any health issue, concern, illness or injury that you or your vet knew about before the policy started. It also includes illnesses you or your vet were aware of, or suspected, within the first 14 days of the policy, and injuries from accidents within the first 48 hours. Bilateral conditions, which affect body parts on both sides of your pet's body (such as the eyes, ears, knees, hips, legs or cruciate ligaments), and conditions medically linked to an existing health issue may also be treated as pre-existing. Health issues that first appear after these periods are not treated as pre-existing and can continue to be covered as long as the policy renews, subject to the policy terms. New, unrelated illnesses and injuries that develop after cover starts and the waiting periods have ended may also be covered.

Border collie FAQs

Are border collies good family dogs?

Border collies are high-energy dogs and may be well suited to active families who can meet their exercise and mental stimulation needs. Every dog is different, so consider their individual temperament and your household’s routine.

How much exercise does a border collie need?

Border collies are generally active dogs, but exercise needs vary depending on their age, health and individual circumstances. Speak to your vet or a qualified professional for advice on a suitable routine for your dog.

Do border collies need special grooming?

Their double coat requires brushing several times weekly, increasing to daily during heavy shedding seasons. Regular ear cleaning, nail trimming, and dental care are also important.

At what age do border collies calm down?

Border collies typically mature between 2-3 years of age, when their energy levels may moderate slightly. However, they remain high-energy dogs throughout their lives and never truly "calm down" like lower-energy breeds.

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