Risk score 0.90× the average dog. Here is what that means in GBP.
Self-insuring is realistic| Condition / procedure | United Kingdom range | Insurance |
|---|---|---|
| Fracture Repair | £1,740–£4,060 | covered |
| ACL / Cruciate Repair (TPLO) | £2,610–£4,640 | covered |
Below-average risk. A dedicated savings account can work if you would really leave the money untouched.
Run the calculator for a Border CollieLifetime cover up to £15,000 a year, no co-payments for older dogs on core plans.
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Around £11,720 in routine care plus a realistic share of breed-typical conditions, at 2026 British prices.
Starter premiums run about £27–£44 a month for a puppy, rising with age and city.
Self-insuring is realistic. The breed's risk score is 0.90× average, and the single worst bill we model is £4,640.