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Best Pet Insurance for Polish Lowland Sheepdogs

medium breed12–14 years lifespan~$950/yr vet costs

The Polish Lowland Sheepdog (Polski Owczarek Nizinny, or PON) is a spirited, intelligent herding breed from Poland with a shaggy double coat and confident, independent personality. PONs were used for centuries to herd sheep across the Polish lowland plains and have an excellent working memory — reportedly able to recall shepherding routes for years. As companions, they are devoted, energetic, and clever, with a sometimes stubborn streak that requires patient, consistent training. Their thick coats require regular grooming. Generally healthy and long-lived, they are a wonderful choice for active families who appreciate an intelligent working breed.

Best Pet Insurance for Polish Lowland Sheepdogs (Ranked)

🏆
EmbraceBest match for Polish Lowland Sheepdogs
97
/ 100
★★★★★
4.7(18,420 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more

Score Breakdown

Condition Coverage
40% weight100
Price & Value
25% weight100
No Breed Exclusions
20% weight100
Customer Rating
15% weight80
Overall Score97 / 100
Visit EmbraceFull Review
#2
97
/ 100
★★★★★
4.7(39,800 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit Healthy PawsFull Review
#3
95
/ 100
★★★★★
4.5(22,100 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit LemonadeFull Review
See All 31 Providers Ranked for Polish Lowland Sheepdogs →

Polish Lowland Sheepdog Health Risks & Conditions

Understanding your Polish Lowland Sheepdog's specific health risks helps you choose the right coverage.

Hip Dysplasia

moderate risk

Hip dysplasia is the most significant orthopedic concern in Polish Lowland Sheepdogs. The condition causes abnormal development of the hip joint, leading to arthritis and pain. OFA screening of breeding stock reduces transmission, but the condition still appears in the breed. Treatment ranges from conservative management ($500–$1,500/year for medications and rehabilitation) to surgical options including FHO ($1,500–$3,000) or total hip replacement ($4,500–$7,000 per hip). Regular low-impact exercise and weight management help manage symptoms.

Treatment cost:$1,500–$7,000

Progressive Retinal Atrophy (PRA)

moderate risk

PRA is a hereditary degenerative retinal condition that causes progressive vision loss leading to blindness. The Polish Lowland Sheepdog breed carries a known PRA mutation, making DNA testing ($65–$150) essential for responsible breeding. There is no treatment or cure; management focuses on adapting the dog's environment to support quality of life. Annual ophthalmology exams ($150–$300) monitor progression. The CPRA variant (central PRA) also occurs in the breed and affects central vision first.

Treatment cost:$200–$1,000

Central Progressive Retinal Atrophy (CPRA)

low risk

CPRA differs from PRA in that it begins with central vision deterioration while peripheral vision is initially preserved. Affected dogs may bump into objects directly in front of them while navigating open spaces reasonably well. As with PRA, there is no cure. Regular ophthalmology screening ($150–$300/visit) is recommended for the breed. CPRA has been linked to vitamin E deficiency in some cases, and dietary supplementation may slow progression in early-stage disease.

Treatment cost:$200–$1,000

Hypothyroidism

moderate risk

Hypothyroidism — underactive thyroid function — affects Polish Lowland Sheepdogs at a moderate rate. Symptoms include weight gain, lethargy, coat changes, and intolerance to cold. Diagnosis requires thyroid panel blood testing ($100–$250). Treatment with daily oral levothyroxine is highly effective and affordable ($20–$50/month), but is lifelong. Annual recheck blood work ($80–$150) monitors hormone levels. Once diagnosed and treated, most dogs return to normal energy and coat condition.

Treatment cost:$200–$800

Allergies and Skin Conditions

moderate risk

Polish Lowland Sheepdogs can develop environmental and food allergies that manifest as itchy skin, ear infections, and hot spots. Their dense double coat can trap allergens and moisture, worsening skin conditions. Management includes allergy testing ($300–$600), prescription diets, and medications. Regular grooming and coat maintenance (professional grooming $80–$150 every 6–8 weeks) are essential for skin health. Annual allergy management runs $300–$2,000 depending on severity.

Treatment cost:$300–$2,000

What to Look for in Polish Lowland Sheepdog Pet Insurance

Polish Lowland Sheepdogs benefit from insurance that covers hereditary eye conditions and orthopedic issues — two areas where the breed has documented genetic risks. DNA testing can confirm PRA carrier status, but affected dogs still deserve coverage for their care. Look for: (1) Hereditary condition coverage without exclusions for known breed conditions; (2) Ophthalmology and specialist coverage; (3) Chronic condition coverage for hypothyroidism (lifelong medication). Embrace and Fetch are strong choices for this breed profile.

Polish Lowland Sheepdog Quick Stats

📅
12–14 years
Life expectancy
💰
$950/yr
Avg vet costs
📊
#175
Most popular
⚠️
5
Key health risks

Common Polish Lowland Sheepdog Health Conditions

⚠️ hip dysplasia⚠️ progressive retinal atrophy⚠️ central progressive retinal atrophy⚠️ hypothyroidism⚠️ allergies

All Providers Ranked for Polish Lowland Sheepdogs

#4
95
/ 100
★★★★★
4.5(31,200 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit Pets BestFull Review
#5
95
/ 100
★★★★★
4.5(11,300 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit FetchFull Review
#6
95
/ 100
★★★★★
4.5(7,400 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$30–$100
Annual limitUp to Unlimited
Reimbursement80%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit PumpkinFull Review
#7
94
/ 100
★★★★★
4.4(9,800 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit SpotFull Review
#8
94
/ 100
★★★★★
4.4(14,600 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$30–$120
Annual limitUp to Unlimited
Reimbursement90%
Waiting period5 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit TrupanionFull Review
#9
94
/ 100
★★★★★
4.4(15,800 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period0 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit MetLifeFull Review
#10
93
/ 100
★★★★★
4.3(25,600 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit ASPCAFull Review
#11
93
/ 100
★★★★★
4.3(9,600 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✓Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%, 100%
Waiting period1 day (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit FigoFull Review
#12
93
/ 100
★★★★★
4.3(3,100 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit AnimaliaFull Review
#13
92
/ 100
★★★★★
4.2(2,400 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit KanguroFull Review
#14
92
/ 100
★★★★★
4.2(3,600 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit Physicians MutualFull Review
#15
91
/ 100
★★★★★
4.1(12,900 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$100
Annual limitUnlimited (whole pet)
Reimbursement50%, 70%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit NationwideFull Review
#16
91
/ 100
★★★★★
4.1(4,200 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit OdieFull Review
#17
91
/ 100
★★★★★
4.1(3,800 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit Prudent PetFull Review
#18
91
/ 100
★★★★★
4.1(3,200 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$16–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit TotoFull Review
#19
90
/ 100
★★★★★
4(8,200 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit AKCFull Review
#20
90
/ 100
★★★★★
4(5,600 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit CarePlusFull Review
#21
90
/ 100
★★★★★
4(6,800 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit PetPartnersFull Review
#22
90
/ 100
★★★★★
4(2,900 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit TrustedPalsFull Review
#23
90
/ 100
★★★★★
4(5,800 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement100%
Waiting period3 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit WagmoFull Review
#24
89
/ 100
★★★★★
3.9(1,800 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit DoggoFull Review
#25
89
/ 100
★★★★★
3.9(4,500 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit PetPremiumFull Review
#26
88
/ 100
★★★★★
3.8(900 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$55
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit PawdarlingFull Review
#27
87
/ 100
★★★★★
3.7(4,100 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit HartvilleFull Review
#28
87
/ 100
★★★★★
3.7(1,200 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$45
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit NibblesFull Review
#29
85
/ 100
★★★★★
3.6(4,800 reviews)

Excellent match for Polish Lowland Sheepdogs. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hip dysplasiaprogressive retinal atrophycentral progressive retinal atrophyhypothyroidism+1 more
Visit 24PetprotectFull Review
#30
52
/ 100
★★★★★
3.8(2,200 reviews)

Consider alternatives with stronger hereditary condition coverage for Polish Lowland Sheepdogs.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✗No Exclusions
Monthly cost$10–$45
Annual limit$7,000
Reimbursement90%
Waiting period0 days (accident)

Covers your breed's key risks:

hypothyroidismallergies
Not covered: hip dysplasiaNot covered: progressive retinal atrophy
Visit Companion ProtectFull Review
#31
48
/ 100
★★★★★
3.8(1,100 reviews)

Consider alternatives with stronger hereditary condition coverage for Polish Lowland Sheepdogs.

✗Hereditary
✗Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$8–$35
Annual limit$5,000
Reimbursement80%, 90%
Waiting period0 days (accident)
Visit SpokkFull Review

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