Pet Insurance for Cardigan Welsh Corgis

Find out all about Cardigan Welsh Corgis and their common health conditions, and then compare pet insurance options from some of Australia’s leading insurers.

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, updated on September 15th, 2023       

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Price range



23cm - 31cm


11kg - 17kg


Affectionate, loyal, adaptable

Coat length

Thick, double

Exercise needs




Life expectancy

12 - 15 years

Cardigan Welsh Corgi


The Cardigan Welsh Corgi, often just known as the ‘corgi,’ is an ancient, small and sturdy breed of herding dog originating from the Cardigan area in Wales, in the UK. The word ‘corgi’ is Welsh for ‘dwarf dog.’ They are closely related to their near cousins, the Pembroke Welsh Corgi, made famous as the preferred breed of the late Queen Elizabeth II. However, there are distinct differences between the two breeds. Cardigan Corgis have long bushy fox-like tails and larger, rounder ears, whereas Pembroke Corgis have shorter tails and smaller, pointed ears.  

Corgis are known for their intelligence, agility, and loyal nature. They are excellent family pets and are good with children. They have a dense, weather-resistant double coat that requires regular grooming. Corgis require consistent training and exercise to keep them mentally and physically stimulated, as they can be stubborn dogs who are difficult to train. 

Common diseases and conditions of Cardigan Welsh Corgis

  • Hip Dysplasia: This is a common orthopaedic condition affecting the joint's development. It can lead to discomfort and mobility issues. 
  • Degenerative Myelopathy: This is a degenerative neurological condition that causes weakness and loss of nerve function in the hind legs.  
  • Obesity: The Corgi is known to suffer from obesity, which can make walking difficult with its short legs.  
  • Intervertebral Disc Disease:This is a condition that occurs when the disc between the vertebras becomes damaged, causing swelling and leaking of fluid. Symptoms include limping and reduced movement.  
  • Epilepsy: Epilepsy is a neurological disorder that can often affect Welsh Corgis. It may lead to seizures. 
  • PRA (Progressive Retinal Atrophy): Progressive Retinal Atrophy is an inherited eye disorder causing gradual vision loss. Initial signs include night blindness, leading to reduced day vision. 

Breed-specific issues:  

The Cardigan Welsh Corgi is well-known for its herding instincts, which may lead them to nip at ankles. Early training is important to prevent their nipping tendencies. They are also quite vocal dogs and can bark a lot if not given sufficient mental stimulation.  

How much does pet insurance cost for a Cardigan Welsh Corgi?

Most Australians can expect to pay between $20 and $60 a month for pet insurance. There are many factors that can influence the cost of pet insurance for your corgi, including the following:

  • Age: The older your dog is, the more pet insurance is likely to cost. This is because senior dogs tend to have more physical health conditions and illnesses due to age, and so present a higher insurance risk.    
  • Type of insurance you choose:  There are three basic types of pet insurance available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type of insurance available, with comprehensive coverage costing the most.  
  • The policy annual limit: Each pet insurance policy has an annual limit, which is the maximum amount that will be paid out on the policy in one financial year. Annual limits range from around $10,000 up to $25,000 or more.   
  • Sub-limits: In addition to an annual limit, there may also be sub-limits that apply to the policy, for example, a $300 sub limit for consultation fees, or a $5,000 limit for cruciate ligament conditions.   
  • Benefit percentage: Pet insurance does not cover 100% of the cost of your vet bill. Instead, it may pay a percentage of the total bill. This can range from 50% for cheaper policies, up to 90% for the best policies available.   
  • Excess amount: This is the amount you’ll need to pay out-of-pocket each time you make a claim on your policy. Some pet insurance policies do not come with an excess amount, whilst others do.  
  • Any add-ons you choose: It’s possible to add on more cover options to a basic policy, such as emergency boarding fees, routine care and dental care. These add-ons extend the scope of your pet insurance, but do increase the overall cost of the policy.  
  • Discounts: some insurers offer discounts of between 5% and 15% if you have multiple pets insured together, if you pay your premium annually, or if you bundle your pet insurance with other forms of insurance with the same company.

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Common questions about Cardigan Welsh Corgis

Are Cardigan Welsh Corgis good family dogs around children?

Absolutely yes, Cardigan Welsh Corgis are known for their affectionate and loyal nature, making them excellent family pets. Their sturdy build and friendly disposition make them great companions for families with children, although they should be closely watched around small children due to their strong herding instinct and tendency to nip heels.

Do Cardigan Welsh Corgis shed a lot of hair?

Yes, Cardigan Corgis have a thick double coat and shed regularly. Brushing them a few times a week can help manage shedding and keep their coat healthy while reducing the hair in your home. 

Are Cardigan Welsh Corgis easy to train?

No. Cardigan Welsh Corgis are intelligent and eager to please their owners, making them trainable with time and patience. However, they do not respond as well to training as some other breeds. Early training and positive reinforcement techniques work the best when training a corgi. Consistency and patience are essential as they can have a lot of stubbornness. 

Do Cardigan Welsh Corgis have many known health issues?

Yes, they are known to have more health issues than some other dogs due to their long spines in relation to their leg size. For this reason, pet insurance for a corgi may cost a little more. Health concerns include hip dysplasia, degenerative myelopathy, eye issues like progressive retinal atrophy (PRA) and Intervertebral Disc Disease.  

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Cardigan Welsh Corgi

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