Pet Insurance for Smooth Collies

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

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on October 5th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

Price range







Intelligent, loyal, affectionate

Coat length


Exercise needs




Life expectancy

12–14 years

Smooth Collie


Smooth Collies are a medium-sized breed of dog with a sleek, dense coat and a gentle temperament. They are closely related to Rough Collies, but have a shorter, smoother coat.

Smooth Collies were originally bred in Scotland for herding sheep and cattle, but they are now popular as companion dogs all over the world, including Australia. They are intelligent and easy to train, and they make excellent pets. Smooth Collies are also known to be good with children and other pets. They form strong bonds with their families and with their friendly and adaptable temperament make an excellent addition to a household.

Common diseases and conditions of Smooth Collies

  • Collie eye anomaly (CEA): a group of genetic eye disorders that can lead to blindness.
  • Progressive retinal atrophy (PRA): a degenerative eye disease that causes blindness.
  • Grey collie syndrome (GCS): a genetic disorder that causes a variety of health problems, including seizures, anaemia and skin problems.
  • Multidrug resistance (MDR): a genetic mutation that makes dogs more sensitive to certain medications.
  • Epilepsy: a neurological disorder characterised by recurrent seizures.

Breed-specific issues:  

Smooth Collies can be noise sensitive, so it is important to socialise them to different noises from a young age. They also have a strong herding instinct, which can lead to them chasing and nipping at children, other pets or even moving vehicles. Proper training and supervision are essential to prevent this. Smooth Collies can also be prone to separation anxiety, so it is important to train them to be comfortable being left alone for short periods of time.

How much does pet insurance cost for a Smooth Collie?

There are many factors that can influence the cost of pet insurance for your Smooth Collie, including the following: 

  • Age: the older your dog is, the more pet insurance is likely to cost. This is because older 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 for dogs available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type 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 may 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 top-of-the-range cover. 
  • 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, while 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.  

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about Smooth Collies

What is the difference between a Smooth Collie and a Rough Collie?

The main distinction between a Smooth Collie and a Rough Collie lies in their coat. Smooth Collies have a short, dense and smooth coat, while Rough Collies possess a long, flowing double coat. This coat variation is the most prominent difference between the two, as they share the same breed characteristics in terms of temperament, intelligence and loyalty.

Do Smooth Collies get along well with children and other pets?

Yes – Smooth Collies are known for their amiable and patient nature, which makes them excellent companions for children. They tend to be gentle and protective, forming strong bonds with family members. With proper socialisation, they can also coexist harmoniously with other pets in the household, making them a versatile and adaptable breed in various family settings.

Do Smooth Collies require a lot of exercise?

Yes – Smooth Collies are an active breed that benefits from regular exercise. Daily walks, playtime and interactive activities are essential to keep them physically and mentally stimulated. They enjoy engaging in various games and outdoor adventures, making them well-suited for families with an active lifestyle.

How often should a Smooth Collie be groomed?

Despite their short coat, Smooth Collies benefit from regular grooming to maintain their coat's health and shine. A weekly brushing session helps remove loose hair, dirt and debris, while also stimulating the skin. Additionally, occasional baths and nail trims are necessary for overall hygiene. It's important to pay attention to the ears and eyes, keeping them clean and free from any irritations.

Helpful guides on pet insurance

Pet Insurance Banner

What Does Pet Insurance Cover?

Are you wondering what pet insurance covers? Find out all about pet insurance and the cover it provides here with Savvy.   ...

Pet owner holding dog paw

Pet Euthanasia Cost Australia

Saying goodbye to a cherished pet is never easy. Our guide offers insights into pet euthanasia costs and options, helping...

Compare pet insurance policies with Savvy

Whether you're buying for your dog or cat and whether they're big or small, you can compare pet insurance policies tailored to your furry friend's needs from Savvy's panel of trusted Australian insurers. Grab a free, no-obligation quote today!
Smooth Collie

We'd love to chat, how can we help?

By clicking "Submit", you agree to be contacted by a Savvy Agency Owner and to receive communications from Savvy which you can unsubscribe from at any time. Read our Privacy Policy.