herding

Collie

12–14 year lifespan · large breed · 50–75 lbs

$36,763 – $93,511

13-year lifetime cost of a Collie in California

$5,180 First year
$3,972 Each year after
$678 Expected medical

On pure expected value, premiums cost more than the average payout here. But Collies face an elevated risk of expensive conditions, so insurance still makes sense as protection against a single catastrophic bill rather than as a money-saver.

How much does a Collie cost per year?

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

Food $852–$1,752
Routine Vet Care $435–$936
Grooming $105–$404
Supplies & Gear $159–$411
Boarding & Pet Sitting $391–$1,031
Pet Insurance $552–$1,189
$3,972
per year
Food$1,28432%
Routine Vet Care$61616%
Grooming$2556%
Supplies & Gear$2857%
Boarding & Pet Sitting$71118%
Pet Insurance$82121%

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What health problems do Collies have?

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

Gastric Dilatation-Volvulus (Bloat/GDV)

●●●● life-threatening Age 3–10
Probability 6%
Treatment range $540–$10,800

Hip Dysplasia

●●○○ moderate Age 1–6
Probability 8%
Treatment range $54–$9,450

Cataracts

●●○○ moderate Age 4–10
Probability 8%
Treatment range $41–$6,750

Degenerative Myelopathy

●●●○ severe Age 7–12
Probability 4%
Treatment range $41–$810

Progressive Retinal Atrophy (PRA)

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

Risk tier: low. Total expected medical cost: $678 over the breed's lifetime.

Is pet insurance worth it for a Collie?

Over your dog's lifetime, you'll pay $8,580 in premiums. Expected uninsured medical costs: $44–$2,018.

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

Pets Best

Monthly premium $55/mo
Annual premium $660/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

Lemonade

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

Get a quote from Lemonade

ManyPets

Monthly premium $63/mo
Annual premium $756/yr
Deductible $250
Reimbursement 90%
  • Hereditary and congenital conditions covered
  • Bilateral condition coverage (both sides)
  • Unlimited annual limit available

Get a quote from ManyPets

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Frequently asked questions

How much does a Collie cost over its lifetime?

A Collie costs between $36,763 and $93,511 over its 12–14 year lifespan in California. The first year typically costs around $5,180 including supplies, training, and initial vet visits.

What are the most common Collie health problems?

The most common health issues for Collies include Gastric Dilatation-Volvulus (Bloat/GDV), Hip Dysplasia, Cataracts, and Degenerative Myelopathy. Owners should budget for both preventive care and potential treatment costs.

Is pet insurance worth it for a Collie?

On pure expected value, premiums cost more than the average payout here. But Collies face an elevated risk of expensive conditions, so insurance still makes sense as protection against a single catastrophic bill rather than as a money-saver. The Collie is a large breed with significant health risks. Higher incidence of expensive orthopedic and cardiac conditions. Insurance frequently pays for itself.

How much does Collie food cost per month?

Collie food costs typically range from $71 to $146 per month, with an average of $107. Costs vary based on food quality, brand, and your dog's specific dietary needs.

How much is Collie pet insurance per month?

Pet insurance for a Collie costs $39–$84 per month (average $58/mo). Premiums vary by your dog's age, location, chosen deductible, and reimbursement level.