Australian shepherd insurance
Thinking about insurance for your Australian Shepherd? The good news is that every US insurer we compare will insure Australian Shepherds, and none of them excludes the breed. What's most useful to know is which health problems Australian Shepherds claim for most often, so you can check a policy covers them well. Here they are by life stage, with what each one typically costs to treat in a year, along with how long Australian Shepherds usually live.
What health problems do Australian Shepherds have?
These are the conditions most often claimed for Australian Shepherds at each stage of life, from Trupanion's claims data, with the typical cost of treatment in a year. "Likely" compares Australian Shepherds with the average dog in Trupanion's data. Each bar shows the cost range on the same scale, so you can see which problems cost most.
As a puppy
- Swallowing something they shouldn't$300 to $600 a yearAbout as likely as the average dog
- Torn cruciate ligamenta knee injury that often needs surgery$3,500 to $4,400 a yearAbout as likely as the average dogWaiting periods for cruciate ligament cover
- Giardiaa gut parasite$100 to $200 a year55% more likely than the average dog
As an adult
- Lameness and limping$300 to $400 a year25% more likely than the average dog
- Seizures$600 to $1,200 a year15% more likely than the average dogNationwide's 2025 claims: 80% of seizures claims cost up to $783 in the first 30 days and $1,477 in the first year.
- Broken tooth$600 to $800 a year40% more likely than the average dogDoes pet insurance cover dental?
As a senior
- Torn cruciate ligamenta knee injury that often needs surgery$3,500 to $4,400 a year35% more likely than the average dogWaiting periods for cruciate ligament cover
- Arthritis$200 to $300 a yearAbout as likely as the average dogNationwide's 2025 claims: 80% of osteoarthritis claims cost up to $420 in the first 30 days and $1,245 in the first year.
- Lymphomaa cancer of the lymph system$3,100 to $5,600 a year45% more likely than the average dogDoes pet insurance cover cancer?
Source: Trupanion, Commonly Claimed Conditions (US claims data, June 2019); Nationwide's most common claims of 2025. Costs are Trupanion's average yearly cost of treatment, in US dollars.
What to check in a policy for a Australian Shepherd
Some of the conditions above have their own rules in pet insurance policies, such as longer waiting periods or exclusions if signs show early on. These guides show how each insurer handles them.
Which insurers cover Australian Shepherds?
All of these US insurers will insure a Australian Shepherd. Click a name to see what that policy covers.
Your questions answered
Can you get insurance for a Australian Shepherd?
Yes. All 9 US insurers we compare will insure a Australian Shepherd, and none of their policies excludes the breed.
How long do Australian Shepherds live?
The American Kennel Club gives a life expectancy of 12 to 15 years for the Australian Shepherd. It's worth choosing cover that stays with your dog for life, because the conditions Australian Shepherds claim for most tend to change as they get older.
Is Australian shepherd insurance more expensive?
We don't list prices, because they depend on your dog and where you live. Insurers do price by breed: Figo, for example, says premiums are based on the species or breed of your pet. The best way to compare is to get quotes and check how each policy covers the conditions Australian Shepherds are most likely to need.
What health problems are Australian Shepherds prone to?
In Trupanion's US claims data, the costliest conditions claimed for Australian Shepherds include lymphoma and torn cruciate ligament. The full list by life stage is above.
Health data from Trupanion's US claims (June 2019) and Nationwide's 2025 claims; lifespan from the American Kennel Club; which insurers cover the breed from each insurer's own documents and exclusion lists, read in October 2026. Check the policy before you buy.
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