herding

Border Collie

12–15 year lifespan · medium breed · 30–55 lbs

$28,082 – $75,580

13-year lifetime cost of a Border Collie in California

$4,218 First year
$3,130 Each year after
$345 Expected medical

For your breed and state, self-insuring is likely more cost-effective than paying premiums.

How much does a Border Collie cost per year?

Annual cost breakdown for a Border Collie in California. Ranges reflect typical low-to-high spending.

Food $588–$1,284
Routine Vet Care $349–$861
Grooming $98–$362
Supplies & Gear $119–$348
Boarding & Pet Sitting $335–$802
Pet Insurance $411–$963
$3,130
per year
Food$92430%
Routine Vet Care$57818%
Grooming$2307%
Supplies & Gear$2347%
Boarding & Pet Sitting$56918%
Pet Insurance$59519%

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What health problems do Border Collies have?

Breed-specific conditions your Border Collie may face, ranked by expected cost impact.

Hip Dysplasia

●●○○ moderate Age 1–6
Probability 12%
Treatment range $54–$9,450

Allergies / Atopic Dermatitis

●○○○ mild Age 1–5
Probability 10%
Treatment range $68–$675

Idiopathic Epilepsy

●●○○ moderate Age 1–5
Probability 8%
Treatment range $20–$338

Hypothyroidism

●○○○ mild Age 4–10
Probability 8%
Treatment range $20–$203

Progressive Retinal Atrophy (PRA)

●●●○ severe Age 3–8
Probability 6%
Treatment range $27–$270

Risk tier: low. Total expected medical cost: $345 over the breed's lifetime.

Is pet insurance worth it for a Border Collie?

Over your dog's lifetime, you'll pay $6,240 in premiums. Expected uninsured medical costs: $19–$1,261.

Self-insure may be betterPets Best · 13-year projection
Best value

Pets Best

Monthly premium $40/mo
Annual premium $480/yr
Deductible $200
Reimbursement 90%
  • Hereditary and congenital conditions covered
  • Bilateral condition coverage (both sides)
  • Unlimited annual limit available

Get a quote from Pets Best

AKC

Monthly premium $54/mo
Annual premium $648/yr
Deductible $250
Reimbursement 90%
  • Hereditary and congenital conditions covered
  • Bilateral condition coverage (both sides)
  • Unlimited annual limit available

Get a quote from AKC

ASPCA

Monthly premium $59/mo
Annual premium $708/yr
Deductible $250
Reimbursement 90%
  • Hereditary and congenital conditions covered
  • Bilateral condition coverage (both sides)
  • Dental illness included
  • Unlimited annual limit available

Get a quote from ASPCA

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Frequently asked questions

How much does a Border Collie cost over its lifetime?

A Border Collie costs between $28,082 and $75,580 over its 12–15 year lifespan in California. The first year typically costs around $4,218 including supplies, training, and initial vet visits.

What are the most common Border Collie health problems?

The most common health issues for Border Collies include Hip Dysplasia, Allergies / Atopic Dermatitis, Idiopathic Epilepsy, and Hypothyroidism. Owners should budget for both preventive care and potential treatment costs.

Is pet insurance worth it for a Border Collie?

For your breed and state, self-insuring is likely more cost-effective than paying premiums. The Border Collie is a medium breed with moderate health risks. Balanced risk profile. Insurance provides security against expensive breed-specific conditions.

How much does Border Collie food cost per month?

Border Collie food costs typically range from $49 to $107 per month, with an average of $77. Costs vary based on food quality, brand, and your dog's specific dietary needs.

How much is Border Collie pet insurance per month?

Pet insurance for a Border Collie costs $29–$68 per month (average $42/mo). Premiums vary by your dog's age, location, chosen deductible, and reimbursement level.