Australian Kelpie Pet Insurance
Give your Kelpie nose-to-tail coverage for all of life's surprises!
Australian Kelpies are intelligent, loyal, and energetic companions who bring endless joy to families, but as a medium breed, they’re prone to certain health conditions that can lead to expensive vet bills. Hip dysplasia, elbow dysplasia, and progressive retinal atrophy are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Kelpie’s health and happiness. Here’s everything you need to know about coverage options, costs, and why insurance makes sense for this beloved breed.
What does Australian Kelpie pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Australian Kelpie has an unexpected accident or illness (provided it’s not related to a pre-existing condition, and occurs after your policy’s waiting periods have ended).
Whether it’s an unexpected accident during play time or a breed-specific illness like Hip dysplasia, Australian Kelpies benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Kelpie’s routine care? Our preventive packages reimburse you for the stuff you’re already doing, like annual checkups, vaccines, blood work, and other routine care that keep your pup healthy and happy.
Keep in mind, preventative care offerings might differ based on where you live. The easiest way to see what’s available? Get a free quote.
Extra coverage
You can also customize your Lemonade policy with optional add-ons like:
- Physical therapy: important for this extremely active working breed that puts significant stress on joints through herding activities
- Visit fees
- Dental coverage
- Behavioral conditions
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Australian Kelpies often need.
Is pet insurance worth it for Australian Kelpies?
Taking care of any medium breed gets expensive, and Australian Kelpies can face costly breed-specific health issues throughout their 10 to 13-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Australian Kelpies are particularly prone to joint problems and eye conditions due to their intense working drive and athletic demands, which makes insurance even more valuable.
Check out how much other Australian Kelpie parents have saved with pet insurance below. Your savings could be even higher.
Common Australian Kelpie health conditions
Australian Kelpies are amazing dogs, but they’re predisposed to certain health conditions that can get expensive to treat. Here are some of the most common claims we see for them, along with typical treatment costs:
| Condition | What is it? | Average treatment cost |
|---|---|---|
| Hip Dysplasia | Malformed hip joint; pain and arthritis in back legs | $1,500–$6,000 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Pancreatitis | Inflammation of pancreas; vomiting, pain | $500–$2,500 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Lymph Node Cancer (Lymphoma) | Cancer of the lymph system | $2,000–$7,000 |
| Torn Knee Ligament (Cruciate Ligament Tear) | Torn ligament in the knee | $1,200–$8,500 |
| Blindness from Retinal Disease (PRA) | Inherited gradual vision loss | $300–$700 |
As a herding breed, Australian Kelpies face extremely high energy and working drive that can lead to overuse injuries and joint stress from constant activity, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Australian Kelpies cost?
Your Australian Kelpie’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Medium breeds like Australian Kelpies typically cost mid-range to insure due to their medium size and generally robust health, though joint conditions from intense activity can be expensive.
Here’s what other Australian Kelpie parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $40-$45 |
| 2 years old | $40-$45 |
| 3 years old | $40-$45 |
| 4 years old | $40-$45 |
| 5 years old | $45-$50 |
| 6 years old | $60-$65 |
| 7 years old | $70-$75 |
How can I find the best pet insurance for my Australian Kelpie?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Australian Kelpies that need comprehensive coverage for joint health, injury prevention, and intense exercise support.
Our customizable add-ons are perfect for Australian Kelpies since you can tailor coverage for their specific risks like hip dysplasia and progressive retinal atrophy.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Australian Kelpies make incredible companions, but their extremely high energy requiring constant work or intense exercise and mental stimulation can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating joint surgery from overuse injuries, managing joint conditions , or handling an emergency.
Ready to protect your Kelpie? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Australian Kelpie.
Get to know your Australian Kelpie
Are Australian Kelpies good with families and children?
Good with families and active children when properly exercised. Kelpies are loyal and gentle but their intense herding instincts and high energy can be overwhelming for small kids. They need very active families.
What does a Australian Kelpie's grooming schedule look like?
Weekly brushing, more during shedding seasons. Their short to medium double coat is relatively low-maintenance but they do shed. Regular nail trims, ear cleaning, and dental care keep them healthy.
Are Australian Kelpies suitable for first-time dog owners?
Not recommended for first-time owners unless extremely active. Kelpies are high-drive working dogs that need experienced handlers who can provide extensive exercise, training, and mental stimulation daily.
Are Australian Kelpies easy to train?
Yes, very easy to train. Kelpies are incredibly intelligent and live to work. They excel at complex tasks and commands but need handlers who can keep up with their intense drive and need for mental challenges.
What activities do Australian Kelpies usually enjoy?
Herding, agility training, long runs, and complex work activities. They need serious daily exercise and mental challenges. They’re happiest when they have demanding jobs that fully engage their incredible work ethic.
*Lemonade Insurance analyzed policy rates of accident and illness policies to calculate average pet insurance premiums as of October, 2025. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances and additional coverages selected.