Old English Sheepdog insurance in New York: cost and what to look for
Heavily coated herding breed; hips, cataracts and bloat are the main claims.
- $51–$85/mo est.Typical monthly premium in New York (2 yrs, 80%, $250 deductible)
- $792/yr est.Estimated yearly cost at the midpoint
- 5Breed-linked conditions to check coverage for
Which insurer fits an Old English Sheepdog? See our top picks by priority →
Insurers for an Old English Sheepdog in New York
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible. These are BreedSure estimates, not quotes from the insurers; each insurer sets its own price.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$58/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$61/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$63/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$66/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$67/mo est.Plan details for Spot
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Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$69/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$73/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$83/mo est.Plan details for Trupanion
Estimates updated Sep 2026 · How we estimate
Waiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryWhat Old English Sheepdog owners claim for
- Eye conditions (cataracts, PRA, cherry eye)[1]commonHereditary eye problems; cataract surgery is the expensive end.$300–$6,700[2][3]
- Hip dysplasia[1]commonMalformed hip joint leading to arthritis. Treatment ranges from pain management to total hip replacement.$1,000–$6,000[4]
- $3,000–$10,000[6]
- $2,000–$7,500[8]
- $290–$750[9]
What an Old English Sheepdog costs to insure by age in New York
Insured as a puppy, an Old English Sheepdog costs about 44% less per month than one enrolled at 8 (modeled). Conditions diagnosed before enrollment are excluded as pre-existing.
Low, typical and high estimates by age
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $46/mo est. | $59/mo est. | $77/mo est. |
| 2 years | $51/mo est. | $66/mo est. | $85/mo est. |
| 5 years | $61/mo est. | $79/mo est. | $102/mo est. |
| 8 years | $82/mo est. | $105/mo est. | $136/mo est. |
| 11 years | $112/mo est. | $144/mo est. | $187/mo est. |
Pet insurance in New York
New York has no pet-insurance-specific law as of September 17, 2026. The most recent version of a bill mirroring the NAIC Model Act -- requiring uniform disclosures, a 30-day free-look period, and a ban on marketing wellness programs as insurance -- passed the New York Senate 62-0 in June 2025 and was vetoed by Governor Hochul on October 16, 2025, after an earlier version was also vetoed in November 2024.
Source: New York State Senate
New York State Department of Financial Services handles insurance complaints and consumer questions in New York, including about pet insurance.
The average routine vet visit for a dog in New York costs about $83.
Source: CareCredit
Cornell University College of Veterinary Medicine operates the Cornell University Hospital for Animals, which treats about 19,000 animals a year across 43 clinical specialties.
Old English Sheepdog insurance in other states
Questions people ask about insuring an Old English Sheepdog
How much does pet insurance cost for an Old English Sheepdog?
About $51 to $85 a month in New York for a 2-year-old at 80% reimbursement and a $250 deductible, in our model. Older dogs, lower deductibles and higher reimbursement cost more; each insurer sets its own price. How we estimate.
Does pet insurance cover Old English Sheepdog health problems like eye conditions?
Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones Old English Sheepdogs are known for: eye conditions, hip dysplasia and cancer. All 8 insurers we compare cover hereditary conditions.
At what age should I insure an Old English Sheepdog?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $66 a month at 2 years and $105 at 8. When to insure, by age.
Is pet insurance worth it for an Old English Sheepdog?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One cancer bill can run $3,000 to $10,000, several years of premiums. The full math.
Why is the estimate different in New York?
Our model scales premiums by a state index built from each state's published average dog insurance premium. Insurers set their own prices, so this is an estimate, not a quote.
Questions owners of Old English Sheepdogs ask
Sources
- Old English Sheepdog. VCA Animal Hospitals (LifeLearn), 2014.
- Cherry Eye. Embrace Pet Insurance, 2024.
- Cataracts: What to Expect. University of Missouri Veterinary Health Center, 2025.
- Hip Dysplasia in Dogs Costs. Pets Best.
- Cancer. Old English Sheepdog Club of America, 2011.
- Dog Chemotherapy Cost: How Much Is Dog Cancer Treatment?. Embrace Pet Insurance, 2025.
- Old English Sheepdog Health Survey Report (2004). Old English Sheepdog Club of America, 2004.
- Bloat in Dogs: What Pet Parents Need to Know. MetLife Pet Insurance.
- Hypothyroidism. Embrace Pet Insurance, 2021.
How we choose and check sources: Sources we use.
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