7 Best Australian Kelpie Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

The Australian Kelpie originates in Australia; it can be found mostly herding livestock, but also as a working dog performing many tasks around the globe. Kelpies are known for their dedication to work, but they are also therapy and service dogs and Australian Kelpies can often be found at the top of the podium at dog performance sporting events. They also make great family-friendly pets, but no surprise, they require a lot of training, exercise, and mental stimulation. This medium-sized breed has a lifespan of 10-12 years, and while they are considered generally healthy breeds, they have some health conditions that can be concerning. These issues include hip dysplasia, luxating patellas, and cerebellar abiotrophy. Because the Australian Kelpie is so active, they are also prone to injuries, leading to expensive vet visits. Many of these conditions are treatable, but those costs will increase over time. Pet insurance makes veterinary treatment more affordable for dogs and, more importantly, their owners. As a licensed insurance agent and happy dog person, I am here to help make sense of all the pet insurance options that are available to you. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Australian Kelpie Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Australian Kelpie pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Australian Kelpie with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AUSTRALIAN KELPIE

$33.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Australian Kelpie Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
pumpkin logo
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AUSTRALIAN KELPIE

$61.48/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cos
  • Founded in 2020 and underwritten by United States Fire Insurance Company
aspca
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AUSTRALIAN KELPIE

$39.72/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AUSTRALIAN KELPIE

$127.67/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AUSTRALIAN KELPIE

$49.46/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AUSTRALIAN KELPIE

$42.56/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Australian Kelpie Pet vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AUSTRALIAN KELPIE

$55.34/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR AUSTRALIAN KELPIE

$33.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Australian Kelpie Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Australian Kelpie Pet Insurance FAQs

What is dog insurance, and why is it useful for Australian Kelpies?

Dog insurance is insurance you can purchase to help protect your furry friend. Like medical insurance coverage, dog insurance helps take care of medical expenses for your canine. Pet insurance is important because it helps to support dog owners with the financial costs of the veterinary care required to keep their dogs happy and healthy. While dog insurance may not cover the entire vet bill, it will save dog owners thousands of dollars by covering a significant portion of veterinary bills. Signing up and using dog insurance is easy; simply select a plan, make the required monthly payments to keep the policy active, and then submit receipts for reimbursement from your insurance provider when needed.

Dog insurance is helpful if you own an Australian Kelpie because it prepares you for the unexpected. While the Kelpie is not known to have many genetic issues, the Australian Kelpie is not immune to certain disorders, as mentioned previously, such as hip dysplasia, luxating patellas, and cerebellar abiotrophy, all of which will require ongoing veterinary treatment that can add up quickly. Having dog insurance means your four-legged family member will receive any necessary treatment without breaking the bank.

How old does my Australian Kelpie need to be insured?

Pet insurance providers usually want puppies to be at least eight weeks old to begin insurance coverage. Ideally, you want to enroll your Australian Kelpie in a dog insurance plan the moment you bring them home for the first time. Remember, most pet insurance premiums are based on age, so the younger you can enroll your pup in a plan, the better.

What are common insurance claims for Australian Kelpies?

The good news is that Australian Kelpies generally do not face many health issues, but as much as we’d like our pets to be completely healthy throughout their lifetime, it’s just not realistic. It’s not uncommon to deal with hip dysplasia, luxating patellas, and cerebellar abiotrophy for your Australian Kelpie. Because Kelpies are herding dogs and need lots of space to run, more often than not, your pup will need veterinary care due to injuries suffered while working, broken bones, strained muscles, and the like. These conditions will certainly require ongoing medical treatment and monitoring by a veterinarian.

What services for my Australian Kelpie are covered by dog insurance? What services are excluded from coverage?

Coverage for an Australian Kelpie dog insurance can have many options. In general, you can expect your Kelpie policy to cover surprise injuries or accidents, which as we already know are needed in this case, as well as unexpected illness. Coverage includes surgery, medication, medical tests, emergency care, and exam fees. Some dog insurance plans also cover hospitalizations and preventative care. Any condition, or scrape, that your Australian Kelpie may develop throughout their life, including viral infections and broken bones.

Excluded services also vary by plan, but in general, most dog insurance policies will not cover the cost of care for pre-existing conditions, which is why it’s so important to enroll your Australian Kelpie in a policy as soon as possible.

How does reimbursement work?

As with most insurance plans, the dog owner must pay the pet’s medical bill upfront and then submit the vet bill for reimbursement to the insurance provider. Your Australian Kelpie insurance provider will then pay you back a certain percentage of that bill. Your insurance company will determine how much money you’ll receive back based on your deductible and reimbursement rate.

Should I enroll in a high-deductible or low-deductible plan?

There are many pet insurance plans to choose from, everything from high deductible plans, low deductible plans, and even plans with no deductible. It really just depends on how you want to manage your finances for your Australian Kelpie. Of course, the higher the deductible, the lower the monthly payment typically, but that means you’ll pay a higher cost during those unexpected emergencies. You may not want to have to worry about costs when dealing with an emergency. If that’s the case, a lower deductible plan may be for you, which means a higher monthly payment, but less of a financial surprise during a stressful medical emergency.

5 Tips for Keeping Your Australian Kelpie Safe & Healthy

In addition to enrolling your Australian Kelpie in dog insurance, there are many other ways to ensure that your pup lives a long and healthy life.

1. Regular Exercise

All dogs need exercise, and Australian Kelpies need more than most. As we’ve already established, Kelpies are working dogs, which means they are highly intelligent and have an almost inexhaustible amount of energy. These medium-sized dogs need upwards of two hours of exercise a day. Kelpies are great at dog agility sports, think flyball, flying disc games, herding trials, obedience, and tracking tests. It’s important to keep an Australian Kelpie occupied. If he gets idle or isn’t stimulated, that’s when loneliness and boredom kicks in and he’ll become destructive and will constantly bark, dig or start to chew on objects.

2. Training and Socialization

Australian Kelpies need lots of exercise, which means training and socializing them as early as possible is key to a healthy relationship with your pup. Leaving your Kelpie home for long periods of time can lead to big problems. Luckily your Australian Kelpie is easy to train and is very social. He wants to be with his family, playing or working. Their natural herding instincts need to be contained and used properly from an early age, otherwise they could end up literally nipping at your heels trying to herd you and the other pets or kids in the family. Also, remember that your Australian Kelpie learns best with positive reinforcement such as training treats, extra pets and lots of high praise. With proper training your Australian Kelpie can make a loyal companion and an excellent watchdog who will work tirelessly to win your praise.

3. Becoming a family member

Understanding your Australian Keelpie’s working style is important before you bring him home to your family. Kelpie’s are bred to herd livestock. They do this by nipping at the animals’ heels. When they don’t have livestock to manage, they may transfer this natural behavior to children, other pets and even vehicles like cars or bicycles. It’s important not to let this behavior go uncorrected and redirect it into interesting work or games to provide the mental stimulation he needs. Once this is done, your Australian Kelpie will be an excellent addition to your family, and the kids will love trying to keep up with him.

4. Love and Affection

Like many dogs, Australian Kelpies are loving and loyal and they just want to be with you. They’re smart, need lots of outdoor space, and don’t like being left alone, so apartment living may not be the right choice for this breed.

5. Regular Grooming

Australian Kelpies have double-layer coats that have an outer weather-resistant layer (which is one of the reasons they make great outdoor working dogs). Thanks to this thick coat, they need sporadic brushing and a good shampoo once every two to four months. While they may not need much grooming, don’t think you’ll get out of dealing with shedding. Your Australian Kelpie will likely shed more in the Spring, so they’ll need more brushing during that time of the year. You’ll find that the Australian Kelpie coat can come in many colors including black, chocolate, red, smokey blue, and tan.

All in all, Kelpies require not much regular grooming. Their nails will usually file down naturally as they walk, but they should be checked at regular vet visits for damage and trimmed if necessary. Kelpie teeth should be brushed regularly, as recommended by your veterinarian. Be sure to keep their ears clean and check for signs of debris, parasites, or infection (all of which may be covered under your pet insurance policy, too).

Conclusion

Enrolling your Australian Kelpie in pet insurance is the best way to keep your pup’s health up to snuff. No doubt these many insurance policies and the enrollment processes can be confusing but take a breath; I’m here to help. You must select the best plan for you and your dog, pay the monthly premium, and then your Australian Kelpie is covered. Remember, there’s sadly a multitude of unexpected reasons that your pup may need veterinary care. Having coverage means your Kelpie can receive the necessary care without facing a financial burden.

After extensive research, we conclude that Lemonade pet insurance offers the best dog insurance policy at the lowest monthly price for Australian Kelpies.

SwiftScore Ranking Methodology for Australian Kelpies

We ranked the best pet insurance policies for Australian Kelpies based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Australian Kelpie with a $500 deductible located in the 90210 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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