Side by side
Both columns come from the same cost model, so every row is a like for like comparison.
| Measure | Border Collie | Labrador Retriever |
|---|---|---|
| Lifetime cost | $39,035 | $45,825 |
| First year | $5,781 | $6,595 |
| Monthly average | $248 | $292 |
| Puppy price | $1,000 to $2,500 | $1,200 to $3,000 |
| Routine care, yearly | $2,657 | $3,121 |
| Expected health cost | $0 | $303 |
| Documented conditions | 18 | 18 |
| Median lifespan | 13.1 yrs | 13.1 yrs |
| Adult weight | 30 to 55 lb | 55 to 80 lb |
| Daily food | 2.7 cups | 3.8 cups |
| Grooming, yearly | $284 | $300 |
| Risk profile | Moderate | Moderate |
| Biggest single risk | Skin disease | Obesity |
Health risks compared
What tends to go wrong in each breed, how often, and what it costs to treat.
| Condition | Rate | Cost |
|---|---|---|
| Skin disease | 36% | $252–$679 |
| Digestive disease | 30% | $354–$954 |
| Musculoskeletal disease | 15% | $281–$756 |
| Degenerative myelopathy | 13% | not priced |
| Ear infection | 10% | $100–$270 |
| Periodontal disease | 9% | $246–$663 |
| Anal sac impaction | 7% | $84–$226 |
| Autoimmune thyroiditis | 4% | $169–$455 |
| Arthritis | 3% | $281–$756 |
| Lipoma | 3% | not priced |
| Elbow dysplasia | 2% | $3,000–$5,000 |
| Hip dysplasia | 2% | $1,200–$3,500 |
| Epilepsy | 2% | $1,485–$3,999 |
| Urinary incontinence | 1% | $118–$318 |
| Persistent diarrhoea | 1% | $354–$954 |
| Skin (cutaneous) cyst | 1% | not priced |
| Unspecified tumour/cancer | 1% | $3,415–$9,194 |
| Patellar luxation | 0% | $1,000–$5,000 |
| Expected total | $0 | |
| Condition | Rate | Cost |
|---|---|---|
| Obesity | 9% | $168–$452 |
| Dental disease | 76% | $246–$663 |
| Skin disease | 36% | $252–$679 |
| Digestive disease | 30% | $354–$954 |
| Musculoskeletal disease | 15% | $281–$756 |
| Ear infection | 10% | $100–$270 |
| Anal sac impaction | 7% | $84–$226 |
| Lipoma | 6% | not priced |
| Arthritis | 4% | $281–$756 |
| Elbow dysplasia | 3% | $3,000–$5,000 |
| Hypersensitivity (allergic) skin disorder | 3% | $629–$1,694 |
| Hip dysplasia | 2% | $3,500–$7,000 |
| Autoimmune thyroiditis | 2% | $169–$455 |
| Skin (cutaneous) cyst | 2% | not priced |
| Degenerative myelopathy | 2% | not priced |
| Otitis externa | 2% | $100–$270 |
| Skin cancer/tumour | 2% | $3,415–$9,194 |
| Patellar luxation | 1% | $1,000–$5,000 |
| Congenital heart disease | 0% | $534–$1,438 |
| Hip and elbow dysplasia | n/a | $2,291–$6,169 |
| Cancer | n/a | $3,415–$9,194 |
| Expected total | $303 | |
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Both breeds carry surgical risk, and premiums are priced by breed
Expected vet costs are $0 for the Border Collie and $303 for the Labrador Retriever. Every policy excludes anything already diagnosed, so this is worth sorting out before you pick either dog.
Placement reserved — insurance-primary
Common questions
Is a Border Collie or a Labrador Retriever more expensive?
The Border Collie is cheaper by about $6,790 over a lifetime. Border Collie: $39,035. Labrador Retriever: $45,825. The gap comes mostly from health costs rather than routine care.
Which lives longer, a Border Collie or a Labrador Retriever?
The Border Collie has the longer typical lifespan. Border Collie: 13.1 years. Labrador Retriever: 13.1 years.
Which is healthier, a Border Collie or a Labrador Retriever?
Both figures below are what it costs to own the dog, not what it costs if something goes wrong. The Border Collie's biggest single risk is skin disease, seen in 36% of the breed. For the Labrador Retriever it is obesity, at 9%.
How we calculated this
Both breeds run through one model, so the comparison is like for like. Full method.