Table of Contents

5 Best Pet Insurance for Australian Cattle Dogs (2022 Reviews)

Australian Cattle Dog insurance
Updated on

Australian Cattle Dog parents from Minnesota to Montana to New Mexico and everywhere between know that medical emergencies are a natural part of a dog’s life, which is why so many prefer to insure their best buddies. Pet insurance offers a financial safety net so your Blue Heeler can have the finest veterinary care, especially in the most serious of situations.

As a result, you get to focus your energy on helping your dog get well instead of fretting about how to cover the costs of typically very pricey procedures and treatments. Since we understand how much your best buddy means to you, we have extensively researched the best pet insurance companies for Australian Cattle Dogs. We hope the information below saves you time, energy and money.

australian cattle dog insurance
Snow day fun!

5 Top Pet Insurance Companies Compared for Australian Cattle Dogs

  • 1

    Best overall

    Our score
    Average price for
    Australian Cattle Dogs
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Australian Cattle Dogs pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

  • 2

    Best for wellness

    Our score
    Average price for
    Australian Cattle Dogs
    Reimbursement amount 90%
    Annual benefit $20,000
    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

  • 3

    Best live vet support

    Our score
    Average price for
    Australian Cattle Dogs
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to Australian Cattle Dogs owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

  • 4

    Best for pre-existing conditions

    Our score
    Average price for
    Australian Cattle Dogs
    Reimbursement amount 100%
    Annual benefit $3,000
    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives Australian Cattle Dogs pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

  • 5

    Best established brand

    Our score
    Average price for
    Australian Cattle Dogs
    Reimbursement amount 90%
    Annual benefit $5,000
    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

Get a quote in less than 60 seconds ➜

FAQs about Australian Cattle Pet Insurance

  • 1. How much does pet insurance cost for Blue Heelers?

    Blue Heeler pet insurance premiums range from $30.58 to $62.58 per month. Your provider considers your dog’s age, breed, medical history and the average veterinary costs in your state when calculating your premium.

  • 2. What does pet insurance typically cover for Australian Cattle Dogs?

    Pet insurance differs between providers, but you can generally expect coverage to extend to any illnesses and accidents that are sudden and catastrophic. Tests, exams, other diagnostics, medications and surgery will be eligible for reimbursement.

  • 3. Can I cancel my Blue Heeler’s insurance plan after I make a claim?

    You can cancel your Blue Heeler’s policy at any time. Check with your provider as to how the cancellation process works.

  • 4. Do pet insurance companies cover spaying and neutering?

    Insurance companies do not include spaying and neutering in their standard pet health plans. However, should your American Cattle Dog need one of these operations, Embrace has a wellness package that will cover it.

  • 5. Does the cost of insurance increase as my Australian Cattle Dog ages?

    It is normal for your Blue Heeler’s insurance premiums to go up as they age, and this will become particularly noticeable once your dog turns 4 or 5 years old. Pet insurance companies raise rates to offset the increased risk of your dog becoming ill or developing a chronic condition as they grow older.

  • 6. Which companies cover pre-existing conditions?

    Pawp tops our rankings when it comes to providing coverage for pre-existing conditions, particularly in the case of emergencies. Embrace also covers pre-existing conditions, but on a minimal basis and only for those they consider curable. If these companies seem like they may suit your Australian Cattle Dog’s needs, we encourage you to reach out to them for specifics on what they do and do not cover. Rest assured knowing that pre-existing conditions will never preclude your dog from getting an insurance policy.

  • 7. Is pet insurance worth it for Blue Heelers?

    Regardless of your dog’s breed, pet insurance can be beneficial because it helps make otherwise expensive urgent veterinary care affordable. Blue Heelers are just as susceptible to having an accident or developing a long-term condition as any other dog, so many American Cattle Dog owners prefer having the added protection of pet insurance.

    For example, Blue Heelers suffer from two of the most common afflictions amongst all breeds: hip dysplasia and cataracts. Both of which are very costly to treat. Cataracts are white film-like substances that form over your dog’s eyes and prevent light from entering. If left to progress for too long, your Blue Heeler could end up blind. Cataract surgery is a routine operation typically met with great success and resolves this condition immediately. The price for such a procedure can run as high as $4,000. Another expensive but prevalent condition is hip dysplasia. This occurs when the femur bone does not fit properly into the hip socket and creates a grinding effect that leads to serious osteo-arthritic pain and can prevent your dog from climbing stairs or walking. Hip replacement surgery is a common remedy for this condition and can easily cost $7,000. Pet insurance makes sure you do not have to bear the financial burden yourself.

More Details About Pet Insurance for Australian Cattle Dogs

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade ranks best overall because of the panoply of advantages they provide dog parents. These include reasonable rates, discounts for those who insure multiple pets and comprehensive accident and illness coverage. They have a world-class mobile app that allows you to quickly and easily submit claims for reimbursement. They also feature one of the shortest accident waiting periods at only 2 days. You will receive a discount if you purchase renters’ or homeowners’ insurance alongside your dog’s policy.

    Keep in mind: If your Australian Cattle Dog has a pre-existing condition, be prepared to submit veterinary documentation to get an active policy put in place.

    Good for: Most Blue Heelers, particularly the young and healthy.  

    Average price for Australian Cattle Dogs: $30.58/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo encourages dog parents to practice preventative care by reimbursing as much as 100% of vet fees for the rest of your policy year after you’ve met your annual deductible. They also make lightning-fast reimbursements via direct deposit, PayPal or Venmo. Moreover, Blue Heeler owners will appreciate being able to take their dogs to any licensed veterinarian of their choice. Wagmo also offers discounts for those who renew their policies without having any claim reimbursements the year before.

    Keep in mind: Wagmo places a $100,000 limit on lifetime benefits. Should your dog’s care reach this level, coverage will cease.

    Good for: Australian Cattle Dog parents who want a mix of emergency and wellness care coverage.  

    Average price for Australian Cattle Dogs: $57.52/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: With Figo, Australian Cattle Dog owners enjoy complimentary 24/7 televet services via the mobile app. Another perk of their coverage is that your dog will get unlimited lifetime benefits, which means they will remain covered, irrespective of how costly their care may become over the years. Figo also has a selection of wellness plan add-ons that cater to various needs, including one that extends coverage for up to $250 of prescription food should your vet decide it to be vital to your dog’s health. Also, with a claim review process that consistently averages shorter than 3 days, you can expect timely reimbursements. Wagmo places a $100,000 limit on lifetime benefits. Should your dog’s care reach this level, coverage will cease.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Blue Heeler owners who would like complimentary 24/7 remote veterinary support included with their insurance.  

    Average price for Australian Cattle Dogs: $41.2/month

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s unconventional approach to pet insurance is part of their appeal. They have no credit checks, copays or deductibles, and they provide pet parents with free consultations with pet experts and 24/7 telehealth services. Moreover, their emergency fund will protect as many as 6 pets within your household of any age, breed or medical history for a flat fee of $24/month. With Pawp, you don’t have the hassle of filing claims and waiting for reimbursement because they guarantee that they will pay any vet bills for qualified emergencies before you even take your Blue Heeler home from the animal hospital.

    Keep in mind: The fund only covers emergencies approved by Pawp’s team of virtual vets and only for a single vet bill that is less than $3,000 for one of your pets in a year.

    Good for: Senior Australian Cattle Dogs or those with pre-existing conditions. Also makes a good supplement for conventional pet insurance policies. 

    Price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace has become the best-established brand by providing Australian Cattle Dog owners with a wide array of perks. Such perks include multiple pet discounts, uncapped lifetime benefits and diminishing deductibles. Embrace’s diminishing deductible means that it will drop $50 each year that you renew without any reimbursements in the previous year. Another unique aspect of their coverage is their optional wellness package that provides an alternative, new-age veterinary care such as reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: The combined claims total for the wellness plan is $650, and should any of your funds remain unused at the end of the policy year, they will not be reimbursed.

    Good for: Blue Heeler parents who want their insurance to cover alternative veterinary treatments.  

    Average price for Australian Cattle Dogs: $54.65/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Australian Cattle Dogs and they also offer the best value.


We hope this article provides you with the essential information necessary for determining the best pet insurance provider for your Australian Cattle Dog. Buying the right policy can alleviate the inevitable financial stressors of being a dog parent. With the support of pet insurance, you will be able to afford any of the life-saving treatments and procedures your Blue Heeler may need, regardless of cost. It can also help with preventative and wellness-related care. All of which can help add years to your beloved dog’s life and life to their years, so you both can have fun together as long as possible.