Collie
12–14 year lifespan · large breed · 50–75 lbs
$52,000 – $71,000
Estimated 13-year lifetime cost of a Collie in California, excluding insurance
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.
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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)
Cataracts
Hip Dysplasia
Progressive Retinal Atrophy (PRA)
Idiopathic Epilepsy
Risk tier: low. Total expected medical cost: $500 over the breed's lifetime.
Is pet insurance worth it for a Collie?
Over your dog's lifetime, you'll pay $8,500 in premiums. Expected uninsured medical costs: $0–$2,000.
Pets Best
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
MetLife
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Dental illness included
- ✓ Unlimited annual limit available
Trupanion
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
- ✓ No orthopedic waiting period
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Frequently asked questions
How much does a Collie cost over its lifetime?
A Collie costs between $52,000 and $71,000 over its 12–14 year lifespan in California. The first year typically costs around $7,200 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), Cataracts, Hip Dysplasia, and Progressive Retinal Atrophy (PRA). 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.
Sources
Figures on this page are modeled estimates calibrated to published benchmarks (accessed 2026-07-21). Breed characteristics follow AKC breed standards. Full formula and inputs: our methodology.
Collie cost by state
Vet prices and insurance premiums vary widely by state. See the full Collie cost breakdown for where you live.