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Old English Sheepdog with shaggy grey and white coat
large Herding 6/10 — Moderate Risk

Old English Sheepdog

Monthly $32–$60
Risk Score 6/10
Size large
AdaptableGentleSmartWatchful
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Old English Sheepdog at a Glance

Breed Characteristics

Lifespan

10–12 years

Weight

60–100 lbs

Height

21–24 inches

Exercise Needs

moderate

Grooming Needs

high

Trainability

moderate

Good with Kids

Yes

Good with Other Dogs

Yes

Apartment Friendly

No

Health Risks & Common Conditions

6 /10
Old English Sheepdog Health Risk Score

Hip Dysplasia

High

Abnormal hip joint development causing pain and arthritis. Very common in this large breed.

Avg. Treatment: $5,500

Autoimmune Thyroiditis

Moderate

The immune system attacks the thyroid gland, causing hypothyroidism requiring lifelong hormone replacement.

Avg. Treatment: $800

Exercise-Induced Collapse

Moderate

A genetic condition causing weakness and collapse after intense exercise. DNA testing can identify carriers.

Avg. Treatment: $1,500

Deafness

Moderate

Congenital hearing loss can occur, particularly in dogs with significant white markings. BAER testing available.

Avg. Treatment: $500

Progressive Retinal Atrophy

Low

Inherited eye disease causing gradual vision loss. Genetic testing available for carrier identification.

Avg. Treatment: $2,000

Recommended Genetic Tests

  • Hip Evaluation
  • Ophthalmologist Evaluation
  • Thyroid Evaluation
  • BAER Hearing Test
  • EIC DNA Test

Insurance Costs for Old English Sheepdog

Monthly Cost

$32–$60

Avg. Annual Claim

$950

Claim Frequency

above average

Suggested Deductible

$500

Coverage Highlights

Hip dysplasia coverage essential Autoimmune condition coverage recommended Eye and hearing screening coverage

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 Old English Sheepdog Today

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

Without Insurance

$2,520 /year estimated
  • Full cost of emergencies out of pocket
  • Difficult financial decisions during crises
  • Unpredictable veterinary expenses
Recommended

With Insurance

$720 /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 $32/month

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Frequently Asked Questions About Old English Sheepdog Insurance

Pet insurance for an Old English Sheepdog typically costs between $32 and $60 per month. Their size and multiple health risks make comprehensive coverage highly recommended.
Old English Sheepdogs are prone to hip dysplasia, autoimmune thyroiditis, exercise-induced collapse, deafness, and progressive retinal atrophy. Regular screening helps catch issues early.
Yes, between professional grooming ($100-$200 every 6-8 weeks) and veterinary care, OES can be costly. Pet insurance helps manage the health-related expenses significantly.