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Rough Collie with full sable and white coat standing majestically
large Herding 5/10 — Moderate Risk

Collie (Rough)

Monthly $26–$50
Risk Score 5/10
Size large
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Collie (Rough) at a Glance

Breed Characteristics

Lifespan

12–14 years

Weight

50–75 lbs

Height

22–26 inches

Exercise Needs

moderate

Grooming Needs

high

Trainability

high

Good with Kids

Yes

Good with Other Dogs

Yes

Apartment Friendly

No

Health Risks & Common Conditions

5 /10
Collie (Rough) Health Risk Score

Collie Eye Anomaly (CEA)

High

An inherited eye condition affecting retinal development. Ranges from mild with no vision impact to severe with retinal detachment.

Avg. Treatment: $2,000

MDR1 Drug Sensitivity

High

A genetic mutation making Collies sensitive to certain medications including ivermectin. DNA testing identifies affected dogs.

Avg. Treatment: $200

Dermatomyositis

Moderate

An inherited inflammatory disease affecting skin and muscles, causing lesions and muscle wasting.

Avg. Treatment: $2,500

Progressive Retinal Atrophy

Low

Degenerative eye disease causing gradual vision loss and eventual blindness.

Avg. Treatment: $2,000

Recommended Genetic Tests

  • CEA DNA Test
  • MDR1 DNA Test
  • Hip Evaluation
  • Ophthalmologist Evaluation

Insurance Costs for Collie (Rough)

Monthly Cost

$26–$50

Avg. Annual Claim

$700

Claim Frequency

average

Suggested Deductible

$500

Coverage Highlights

Eye condition coverage for CEA and PRA Dermatology coverage for dermatomyositis Drug sensitivity awareness in coverage plan

Insurance Provider Comparison

Compare coverage, costs, and ratings from top pet insurance providers

Best Overall
L

Lemonade

4.5

Monthly Premium

$20 - $80

Deductible $100, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage Covered
  • Fast claims processing via app
  • Customizable coverage plans
  • Affordable base premiums
  • Preventive care add-on available
  • No exam fee coverage on base plan
  • Limited availability in some states
  • Newer company with less track record
Get a Free Quote from Lemonade
Highest Rated
H

Healthy Paws

4.7

Monthly Premium

$25 - $90

Deductible $100, $250, $500, $750
Reimbursement 70%, 80%, 90%
Hereditary Coverage Covered
  • Unlimited annual and lifetime benefits
  • No caps on claim payouts
  • Fast claim processing (2-3 days average)
  • Covers hereditary and congenital conditions
  • No routine or preventive care coverage
  • No dental coverage
  • Longer waiting period for accidents than competitors
Get a Free Quote from Healthy Paws
Best for Comprehensive Coverage
E

Embrace

4.6

Monthly Premium

$25 - $85

Deductible $200, $300, $500, $750, $1000
Reimbursement 70%, 80%, 90%
Hereditary Coverage Covered
  • Diminishing deductible (decreases $50/year with no claims)
  • Covers exam fees
  • Dental illness coverage included
  • Wellness Rewards add-on for routine care
  • Annual limits (no unlimited option)
  • Premiums can increase with age
  • Orthopedic conditions have 6-month waiting period
Get a Free Quote from Embrace
Best for Exotic Pets
N

Nationwide

4.2

Monthly Premium

$30 - $100

Deductible $250, $500, $750
Reimbursement 50%, 70%, 90%
Hereditary Coverage Covered
  • Whole Pet plan covers wellness and illness
  • Only major insurer covering exotic pets
  • Employer-sponsored plans available
  • Long-established company since 1982
  • Higher premiums than competitors
  • Slower claims processing
  • Benefit schedule plans pay less than expected
  • 14-day waiting period for accidents
Get a Free Quote from Nationwide
Best for Large Breeds
T

Trupanion

4.5

Monthly Premium

$30 - $120

Deductible $0, $100, $200, $500, $1000
Reimbursement 90%
Hereditary Coverage Covered
  • 90% reimbursement on all plans
  • No payout limits per incident or lifetime
  • Direct vet payment option at many clinics
  • Covers hereditary and congenital conditions from day one
  • Only 90% reimbursement option (no 70% or 80%)
  • No wellness or routine care coverage
  • 30-day waiting period for illnesses
  • Higher premiums overall
Get a Free Quote from Trupanion
Best Value
P

Pets Best

4.4

Monthly Premium

$18 - $75

Deductible $50, $100, $200, $250, $500
Reimbursement 70%, 80%, 90%
Hereditary Coverage Covered
  • Very affordable base premiums
  • Low deductible options starting at $50
  • Fast claims processing (5 days average)
  • BestWellness plan for routine care add-on
  • No dental coverage
  • Customer service can be slow
  • Lower annual limits on budget plans
  • Premium increases with age can be significant
Get a Free Quote from Pets Best

Protect Your Collie (Rough) Today

With a moderate health risk profile, having the right insurance plan can save you thousands in unexpected vet bills.

Without Insurance

$2,100 /year estimated
  • Full cost of emergencies out of pocket
  • Difficult financial decisions during crises
  • Unpredictable veterinary expenses
Recommended

With Insurance

$600 /year estimated
  • Up to 90% of vet bills covered
  • Peace of mind for emergencies
  • Predictable monthly expenses
Get Your Free Quote

Plans from as low as $26/month

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Frequently Asked Questions About Collie (Rough) Insurance

Pet insurance for a Rough Collie typically costs between $26 and $50 per month. Their eye condition risks and drug sensitivity make genetic testing and comprehensive coverage recommended.
MDR1 is a genetic mutation that makes Collies sensitive to certain drugs including ivermectin and some anesthetics. A simple DNA test identifies affected dogs, and veterinarians can use alternative medications.
Collies are prone to Collie Eye Anomaly (CEA), an inherited condition affecting up to 70% of the breed. Most cases are mild, but severe cases can cause retinal detachment and vision loss.