iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.
Once an Australian Shepherd lover, always an Australian Shepherd lover. This athletic, energetic, and intelligent dog breed gives its people countless reasons to adore them. Though they have herding in their genes, they’re glad to partake in whatever athletic activity you’re doing.
Unfortunately, like with most dogs, the Australian Shepherd breed is predisposed to certain medical conditions. While these health issues can be expensive to treat, you may be able to cover the high costs if you invest in pet insurance for your dog early.
It’s easy to feel overwhelmed when it comes to choosing the right pet insurance plan for your beloved Aussie. This guide will help you select a plan that covers everything you want it to, so you can be there for your dog when they need you most.
Compare The Top 9 Pet Insurance Plans for Your Australian Shepherd Using our Free No-Obligation Quote Tool below
The simplest way to compare pet insurance prices is to use our tool below. The comparison tool will show you quotes from the top 9 pet insurance carriers, including Trupanion, Pets Best, Lemonade, ManyPets, FIGO, HealthyPaws, Prudent Pet, Spot, and Embrace pet insurance.
How Much Does Pet Insurance for an Australian Shepherd Cost?
Below are some sample pet insurance plans for a 1-year-old male Australian Shepherd using the zip code 75001 (Texas) as an example.
- Pets Best – $28.77 per month
- Embrace – $35.77 per month
- Healthy Paws – $22.99 per month
- ManyPets – $26.30 per month
Ultimately, your plan’s premium will depend on several factors, including your dog’s age, size, and breed, as well as where you live. You also want to know what type of coverage your plan has and if it will help with Australian Shepherd-specific health problems. Let’s get more into those medical conditions and how much you can expect to pay to treat them.
Common Health Problems Associated With Australian Shepherds
Elbow Dysplasia in Australian Shepherds
The term elbow dysplasia represents several defects relating to the elbow socket. This condition occurs when the three bones making up the elbow joint don’t properly fit together, causing progressive arthritis and pain.
Elbow dysplasia can be difficult to detect initially because some dogs don’t appear to show symptoms. In others, it may manifest as a slight limp or lameness in the limbs.
Multiple Drug Sensitivity (MDS) in Australian Shepherds
This genetic mutation affects the dog’s blood-brain barrier. A Shepherd with Multiple Drug Sensitivity (MDS) is unable to pump certain drugs out of his brain, which causes neurological toxicity. Whether the affected dog reacts to the drug depends on the dosage, but reactions to commonly prescribed veterinary drugs can be severe.
The medications that dogs with MDS have hypersensitivity to include:
- Ivermectin (found in heartworm medications)
- Chemotherapy and other cancer treatment drugs like Doxorubicin and Vinblastine
- Imodium A-D
- Anesthetics like Acepromazine (Ace)
Sadly, MDS is fairly common in Australian Shepherds. As many as one in two Aussies carry at least one copy of this gene. Puppies of dogs known to have been bred with the gene should be tested for their safety.
Hemangiosarcoma in Australian Shepherds
Hemangiosarcoma, a type of bleeding tumor, is one of two inherited cancers in the Australian Shepherd. Tumors most commonly form in the dog’s spleen, but they can appear in other organs, too, including the heart and liver.
With hemangiosarcoma, the tumors break open, causing internal bleeding. Symptoms will depend on which organs are affected, but dogs with the condition can experience collapse and even death. Treatment depends on the location of the tumors, but sadly, the prognosis is often poor.
Idiopathic Epilepsy in Australian Shepherds
Idiopathic epilepsy is a notable concern in Australian Shepherds. Epilepsy is a neurological (brain) disorder that results in ongoing seizures. Idiopathic Epilepsy refers to epilepsy with no known cause.
Seizures are surges of electrical activity in the brain that cause involuntary spasms, tremors, or convulsions. In some cases, dogs with epilepsy may collapse or lose consciousness. Another possibility is urination or defecation.
Typical Costs Of Treating Health Issues In Australian Shepherds and How Pet Insurance Can Help
If left untreated, many of the health conditions listed above can result in long-term consequences and even require surgery, which ultimately makes them more expensive to manage. Selecting a pet insurance plan suited for your Australian Shepherd’s particular needs might save you tons of money on medical costs.
Here are just some sample veterinary expenses for Australian Shepherds:
- Elbow Dysplasia Costs: Orthopedic surgery to correct the issue is pricey, ranging from $1,500 to $5,000 on average. Depending on the severity of the condition, your dog may not need surgery. Still, treatment for arthritis and other joint issues can be expensive. Your dog will likely require ongoing pain medications (~$20 – $50 per month) and joint supplements. The vet may also prescribe physical therapy, which could cost $50 per session.
- Multiple Drug Sensitivity (MDS) Costs: Testing your dog to determine whether they have MDS will let you know if you have to avoid the known dangerous drugs, thereby avoiding serious injury or death. A test will cost you around $45. If your dog does take a drug they’re hypersensitive to, the effects can vary but might be severe and require immediate medical intervention. An overnight stay at the vet averages $1,200.
- Hemangiosarcoma Costs: This is a tough one to discuss since this particular form of cancer is very aggressive, and treatment is not always successful. Diagnosis, which often doesn’t occur until late stages of the disease, may cost $500-$5,000. Surgery (if possible) costs thousands of dollars, and post-operative costs are also very high. Bills for both standard chemotherapy and metronomic therapy range from $500 to $3,000 per month. These costs are obviously very high, and many parents opt for sympathetic euthanasia to alleviate suffering. However, it’s hard to let your dog go if there may be a chance for them (your vet will know), so you’ll definitely need pet insurance’s help covering these costs.
- Idiopathic Epilepsy Costs: Epilepsy treatments range based on the seriousness of the condition. The vet will typically conduct laboratory tests such as blood and urine tests or EKGs (according to the severity of seizures). Treatment could involve a special diet, long-term or permanent medication, and nerve stimulation. Ultimately, the goal of epilepsy treatment is to decrease the frequency, severity, and duration of the seizures. In simple cases, this treatment plan may cost you $200 to $500 per year. However, you could pay up to $15,000 in surgery costs in extreme cases.
Knowing the signs and symptoms of these conditions common in Australian Shepherds can help you catch them early, saving your dog and your money. When in doubt, take your pup to the vet to have them diagnosed.
What Is Pet Health Insurance And Why Do I Need It For My Australian Shepherd?
Pet health insurance works very similarly to human health insurance. Your policy quote will range in monthly price, depending on your dog’s breed, age, and where you live. Typically, you’ll spend around $15-$69 per month as a pet parent.
Pet insurance is mainly about peace of mind, knowing you won’t be totally overwhelmed in case of an emergency. Enrolling even when your dog is young and healthy will ensure you have plenty of coverage when they need expensive medical care later. If you choose a plan more suited to your dog’s particular breed, you’ll be more prepared when something happens later on in their life.
Some plans cover accidents and illnesses, while others only cover accidents. Certain plans do cover breed-specific illnesses, and others do not. It all depends on what type of coverage you choose. With our free pet insurance comparison tool, you can get quotes from multiple insurance companies with no obligation to commit.
Whatever plan you choose, you’ll feel better knowing you can take care of your dog when they need you most. Plus, you won’t have to suddenly shell out thousands of dollars. Learn more about how pet insurance works here.
Pet Insurance Carrier Comparisons
- 9 Best Pet Insurance Plans for Dogs
- Best Cheap Pet Insurance
- Trupanion Vs. Pets Best Pet Insurance
- Trupanion Vs. Lemonade Pet Insurance
- HealthyPaws Vs. Embrace Pet Insurance
- HealthyPaws Vs. Trupanion Pet Insurance
- Embrace Vs. Trupanion Pet Insurance
- Embrace Vs. Lemonade Pet Insurance
- Trupanion Vs. FIGO Pet Insurance
- Prudent Pet Vs. Trupanion Pet Insurance
- Embrace Vs. ManyPets Pet Insurance
- Embrace Vs. FIGO Pet Insurance
- Prudent Pet Vs. Embrace Pet Insurance
- HealthyPaws Vs. ManyPets Pet Insurance
- HealthyPaws Vs. FIGO Pet Insurance
- Prudent Pet Vs. HealthyPaws Pet Insurance
- HealthyPaws Vs. Lemonade Pet Insurance
- Pets Best Vs. ManyPets Pet Insurance
- Pets Best Vs. FIGO Pet Insurance
- Prudent Pet Vs. ManyPets Pet Insurance
- Prudent Pet Vs. Pets Best Pet Insurance
- Embrace Vs. Pets Best Insurance
- HealthyPaws Vs. Pets Best Pet Insurance
- ManyPets Vs. Lemonade Pet Insurance
- Lemonade Vs. FIGO Pet Insurance
- Trupanion Vs. ManyPets Pet Insurance
- ManyPets Vs. FIGO Pet Insurance
- Lemonade Vs. Pets Best Pet Insurance
- Prudent Pet Vs. Lemonade Pet Insurance
- Prudent Pet Vs. FIGO Pet Insurance
Breed Pet Insurance
- Pet insurance for Akitas
- Pet insurance for Alaskan Malamutes
- Pet insurance for American English Coonhounds
- Pet insurance for American Staffordshire Terriers
- Pet insurance for Australian Cattle Dogs
- Pet insurance for Australian Shepherds
- Pet insurance for Basset Hounds
- Pet insurance for Beagles
- Pet insurance for Bernese Mountain Dog
- Pet insurance for Bichon Frises
- Pet insurance for Bloodhounds
- Pet insurance for Border Collies
- Pet insurance for Boston Terriers
- Pet insurance for Boxers
- Pet insurance for Bulldogs
- Pet insurance for Bullmastiffs
- Pet insurance for Bull Terriers
- Pet insurance for Cane Corsos
- Pet insurance for Cavaliers
- Pet insurance for Chesapeake Bay Retrievers
- Pet insurance for Chihuahuas
- Pet insurance for Chinese Crested Dogs
- Pet insurance for Chow Chows
- Pet insurance for Cocker Spaniels
- Pet insurance for Collies
- Pet insurance for Corgis
- Pet insurance for Dachshunds
- Pet insurance for Dobermans
- Pet insurance for Dogue De Bordeaux
- Pet insurance for English Springer Spaniels
- Pet insurance for French Bulldogs
- Pet insurance for German Shepherds
- Pet insurance for German Shorthaired Pointers
- Pet insurance for Goldendoodles
- Pet insurance for Golden Retrievers
- Pet insurance for Greyhounds
- Pet insurance for Great Danes
- Pet insurance for Great Pyrenees
- Pet insurance for Havanese
- Pet insurance for Huskies
- Pet insurance for Jack Russells
- Pet insurance for Labrador Retrievers
- Pet insurance for Labradoodles
- Pet insurance for Lhasa Apsos
- Pet insurance for Maltese
- Pet insurance for Mastiffs
- Pet insurance for Miniature Pinschers
- Pet insurance for Mixed Breeds (small)
- Pet insurance for Mixed Breeds (medium)
- Pet insurance for Mutts
- Pet insurance for Newfoundlands
- Pet insurance for Old English Sheepdogs
- Pet insurance for Papillons
- Pet insurance for Pekingese
- Pet insurance for Pit Bulls
- Pet insurance for Pomeranians
- Pet insurance for Poodles
- Pet insurance for Pugs
- Pet insurance for Rhodesian Ridgebacks
- Pet insurance for Rottweilers
- Pet insurance for Saint Bernards
- Pet insurance for Samoyeds
- Pet insurance for Schnauzers
- Pet insurance for Shar-Peis
- Pet insurance for Shelties
- Pet insurance for Shiba Inus
- Pet insurance for Shih Tzu
- Pet insurance for Staffordshire Bull Terrier
- Pet insurance for Vizslas
- Pet insurance for Weimaraners
- Pet insurance for Westies
- Pet insurance for Whippets
- Pet insurance for Yorkies
Pet Insurance by City
- Pet Insurance in San Diego
- Chicago Pet Insurance
- New York City Pet Insurance
- Pet Insurance in Seattle
- Pet Insurance in Los Angeles
- Pet Insurance in Austin
- Pet Insurance in San Antonio
- Pet Insurance in Miami
- Pet Insurance in Philadelphia
- Pet Insurance in Sacramento
- Pet Insurance in Orlando
- Pet Insurance in San Francisco
- Pet Insurance in Houston
- Pet Insurance in Dallas
- Pet Insurance in Tampa
- Pet Insurance in Pittsburgh
Pet Insurance by State
- Pet Insurance in California
- Pet Insurance in Texas
- Pet Insurance in Florida
- Pet Insurance in Pennsylvania
- Pet Insurance in Washington State
- Best Pet Insurance in Michigan
- State of Delaware Pet Insurance
- Pet Insurance in NC
- Pet Insurance in NJ
- Pet Insurance in Colorado
- Pet Insurance in Ohio
- Pet Insurance in Oregon
- Pet Insurance in Indiana
- Pet Insurance in Oklahoma
- Pet Insurance in Utah
- Pet Insurance in New York
- Pet Insurance in Massachusetts
- Pet Insurance in Arizona
- Pet Insurance in Minnesota
- Pet Insurance in Connecticut
- Pet Insurance in Wisconsin
- Pet Insurance in Hawaii
- Pet Insurance in Iowa
- Pet Insurance in New Hampshire
- Pet Insurance in Alabama
- Pet Insurance in Maine
- Pet Insurance in Maryland
- Pet Insurance in Rhode Island
- Pet Insurance in Arkansas
- Pet Insurance in Illinois
- Pet Insurance in Nebraska
- Pet Insurance in Alaska
- Pet Insurance in Louisiana
- Pet Insurance in South Carolina
- Pet Insurance in Vermont
- Pet Insurance in Georgia