Australian Shepherd Pet Insurance
Give your Aussie nose-to-tail coverage for all of life's surprises!
- What does Australian Shepherd pet insurance cover?
- Is pet insurance worth it for Australian Shepherds?
- Common Australian Shepherd health conditions
- How much does pet insurance for Australian Shepherds cost?
- How can I find the best pet insurance for my Australian Shepherd?
- Get to know your Australian Shepherd
Australian Shepherds are intelligent, energetic, and loyal companions who bring endless joy to families, but as a medium to large breed, they’re prone to certain health conditions that can lead to expensive vet bills. Hip dysplasia, eye problems, and epilepsy are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Aussie’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 Shepherd pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Australian Shepherd 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 Shepherds benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Aussie’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: especially important for a breed prone to joint issues like hip dysplasia
- Visit fees
- Dental coverage: helpful for a breed that can develop anxiety and behavioral issues without proper mental stimulation
- Behavioral conditions
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Australian Shepherds often need.
Is pet insurance worth it for Australian Shepherds?
Taking care of any medium to large breed gets expensive, and Australian Shepherds can face costly breed-specific health issues throughout their 12 to 15-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Australian Shepherds are particularly prone to joint problems, eye conditions, and neurological issues, which makes insurance even more valuable.
Check out how much other Australian Shepherd parents have saved with pet insurance below. Your savings could be even higher.
Common Australian Shepherd health conditions
Australian Shepherds 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 |
| Elbow Dysplasia | Poorly formed elbow joint; causes limping/arthritis | $1,200–$3,500 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Blindness from Retinal Disease (PRA) | Inherited gradual vision loss | $300–$700 |
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
| Epilepsy | Recurring seizures | $500–$2,500 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Torn Knee Ligament (Cruciate Ligament Tear) | Torn ligament in the knee | $1,200–$8,500 |
As a herding breed, Australian Shepherds face having high energy levels that can lead to injuries and genetic predisposition to eye problems, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Australian Shepherds cost?
Your Australian Shepherd’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Medium to large breeds like Australian Shepherds typically cost more to insure due to their size and genetic predisposition to expensive conditions like hip dysplasia and eye diseases.
Here’s what other Australian Shepherd parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $25-$30 |
| 2 years old | $30-$35 |
| 3 years old | $30-$35 |
| 4 years old | $30-$35 |
| 5 years old | $35-$40 |
| 6 years old | $40-$45 |
| 7 years old | $45-$50 |
How can I find the best pet insurance for my Australian Shepherd?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Australian Shepherds that need comprehensive coverage for joint health, eye care, and mental stimulation.
Our customizable add-ons are perfect for Australian Shepherds since you can tailor coverage for their specific risks like hip dysplasia and eye problems.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Australian Shepherds make incredible companions, but their high-energy working dog needs and genetic health predispositions can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating hip dysplasia surgery, managing eye conditions, or handling an emergency.
Ready to protect your Aussie? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Australian Shepherd.
Get to know your Australian Shepherd
Are Australian Shepherds good with families and children?
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What does a Australian Shepherd's grooming schedule look like?
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Are Australian Shepherds suitable for first-time dog owners?
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Are Australian Shepherds easy to train?
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What activities do Australian Shepherds usually enjoy?
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*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.