What animal insurance for an Australian Shepherd?

THE CHARACTERISTICS OF THE AUSTRALIAN SHEPHERD

The Australian Shepherd, often nicknamed “Aussie”, is a harmonious dog, slightly longer than tall. With an average stature, strong bone structure and delicate musculature, it is distinguished by its almond-shaped eyes which can present a range of colors, from brown to blue. Its ears, triangular, stand up when it is attentive, and its tail, naturally short, is less than 10 cm.

Origins and history

Although its name can be confusing, the Australian Shepherd is native to the United States. The nickname “Australian” was given to it in reference to the sheepdogs imported from Australia in the 19th century.

It has a smaller cousin, formerly called the Miniature Australian Shepherd, but today known as the American Shepherd. Its fame in the United States has been propelled by rodeo culture and media, while in Europe it has become popular more recently.

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Character of the Aussie

The Aussie is a dog with a pure heart. Her loyalty to its owners is unmatchedand he is playful, which makes him a ideal companion for families. His intelligence makes him receptive to training and he excels in various canine activities.

Behavior

Very attached to his family, the Australian Shepherd don't like to be alone. It is crucial to get him used to dealing with absences from a young age. Thanks to his liveliness and desire to please, he is generally easy to educate, but his energy can sometimes make him a little stubborn.

Lifestyle

Active by nature, the Australian Shepherd requires a good dose of exercise. Although he can adapt to apartment life, an outdoor space is preferable to allow him to exercise. He is perfect for active owners who can offer him regular activities. His sporting nature and need for mental stimulation make him ideal for activities such as agility or herding.

Reasons to take out dog insurance

The Australian Shepherd is likely to experience a number of health problems which require insurance to preserve your budget and benefit from coverage of medical costs.

• Epilepsy.
• Eye disease.
• Hip and elbow dysplasia.
• Skin diseases.

Taking out a dog health insurance contract allows you to ensure that, for serious illnesses, you will obtain coverage.. However, pet insurance is also recommended for everyday care to avoid any financial surprises.

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What guarantees for your Australian Shepherd’s health coverage?

Dog cat insurance offers a certain number of guarantees which may vary depending on insurance companies (Bulle Bleue, SantéVet, etc.). They allow a covering costs related to veterinary care :

• consultations by a general practitioner or specialist ;
• emergency care ;
• exams : x-ray, ultrasound, MRI, scanner, laboratory tests;
• surgery ;
• vaccination ;
• sterilization or castration ;
• anti-flea and anti-tick ;
• wormable ;
• descaling ;
• screening ;
• food supplements ;
• herbal medicine ;
• homeopathyetc.

How much does health insurance cost for an Australian Shepherd?

The price of insurance for your doggie depends on different parameters :

• his age ;
• his race;
• his sex ;
• his medical history ;
• his place of life (house with exterior or apartment).

Afterwards, the insurance company will take into account the following elements :

• the chosen insurance formula : several levels of support exist depending on the insurers. Some will offer the same guarantees for all contracts, but with different support. For example, SantéVet offers coverage of 60 to 100% depending on its plans. The amount of the prevention package changes according to the level of guarantees. At Bulle Bleue, the coverage of veterinary costs for consultations and surgical care is the same for all formulas. On the other hand, the basic insurance formula does not include the prevention package;
• the amount of the deductible : it will evolve according to the levels of guarantees and will naturally impact the price of health insurance for your Australian Shepherd;
• the compensation ceiling : insurance companies set ceilings. Also, even if you are insured for your Australian Shepherd, everything is not necessarily reimbursed;
• the waiting period : even if your insurance contract is validated, it is possible that certain guarantees do not apply immediately. This is the case, for example, of surgical intervention or illness. The waiting period is shorter for an accident.

We have carried out for you a simulation to give you an idea of ​​the price of health insurance for an 18-month-old Australian Shepherd with an intermediate formula.

Insurer	Reimbursement in the event of illness or accident	Annual ceiling	Annual franchise	Monthly price
Blue Bubble	80%	€1,000	€150	€11.70
Dalma	80%	€1,500	€0	€22.90
Insurance crossroads	80%	€2,000	20% with €20 minimum per act	€25.61
SelfAssurance	85%	€1,500	€0	€25.73
Animal Health	75%	€1,500	€0	€28.50
HealthVet	80%	€1,800	€30	€33.85
Assur O'Poil	80%	€1,300	15 € minimum	€36.55

Compare to find cheaper animal health insurance

This comparative table shows you that comparing offers from different insurers is essential to find the best insurance for your Australian Shepherd. If the initial guarantees may seem relatively equivalent, the amount of the deductible, as well as that of the ceilings, can change everything at the time of reimbursement. Furthermore, you will have noticed, the prices are very different from one insurance to another. Bulle Bleue, in our simulation, is half as expensive as SelfAssurance. On the other hand, for this higher price, you have no deductible, which avoids any unpleasant financial surprises.

Using a pet insurance comparator is freeso don't deprive yourself of this opportunity which allows you to better insure your Australian Shepherd while controlling your budget.

If you have found the best insurance, you can continue on the insurer's website or be contacted by an advisor in order to take stock of your needs and obtain a more precise and personalized quote.

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Has this insurance comparison allowed you to determine that your current insurance no longer meets your needs? You can cancel on the anniversary date of your contract by sending, two months before, a registered letter with acknowledgment of receipt.. Please note, canceling and taking out new insurance for your Australian Shepherd may once again impose a waiting period on you, compare carefully and do not hesitate to ask an advisor for information before subscribing.