The Border Collie is one of the most intelligent and work-oriented dog breeds in the world. Originally bred as a herding dog in the Scottish-English border regions, it is today the leader in trainability and exercise drive. With a life expectancy of 12 to 15 years and a pronounced energy profile, it places high demands on its owners and on its health. What our claims data shows: the "Other" category (internal medicine, lab, diagnostics) dominates at 26.4% of all cases with a maximum payout of €2,799 – an indication of intensive diagnostics. Musculoskeletal follows at 24.5% and gastrointestinal at 17%. But the financial peak is in the respiratory tract: at avg. €1,125 per case, this category is unusually expensive for a herding breed – in adults, respiratory treatments even reach avg. €1,240 per case. Over a Border Collie's lifetime, veterinary costs of €6,000 to €14,000 can accumulate. This page shows you, based on Dalma claims data, which costs actually arise and how to protect.

The Jack Russell Terrier is a small but energetic companion with a strong hunting drive and unshakeable courage. Originally bred for fox hunting, it remains today an indefatigable explorer that loves to dig and dash through underbrush. With a life expectancy of 12 to 16 years, it accompanies its family through many active years. What our claims data shows: musculoskeletal issues dominate at 37.2% of all cases – a direct reflection of this breed's active lifestyle. But the financial peak lies elsewhere: in adult Jack Russells, dental treatments cost avg. €1,368 per case – an exceptionally high value. Injuries also occur above-average at 6.7% of all cases – not surprising for a dog known for diving into all kinds of situations. Over a Jack Russell's lifetime, veterinary costs of €5,000 to €12,000 can accumulate. This page shows you, based on Dalma claims data, which costs actually arise and how to protect yourself.

The Russian Blue is considered one of the most robust cat breeds in existence. It is a natural breed that developed without human intervention – and is correspondingly free of typical breeding diseases. With 13 to 20 years of life expectancy, it is one of the longest-living domestic cats. But this very longevity creates a unique cost profile: conditions often appear late in life, but then with high intensity. Our claims data from 153 cases shows that musculoskeletal issues dominate at 39.2% of all cases, but financially another category stands out: senior dental treatments cost Russian Blue cats an average of €1,716 per case – one of the highest senior dental values in our entire database. Adult Russian Blues also show clear cost points with cardiovascular treatments (avg. €328) and respiratory diseases in kittens (avg. €573). Over a Russian Blue's lifetime, veterinary costs of €5,000 to €12,000 can accumulate – spread over a much longer period than other breeds. This page shows you, based on 153 documented claims, which costs actually arise and how to protect yourself.

The Chartreux – also called Kartäuser in German – is one of Europe's oldest and healthiest natural breeds. With its dense, blue-grey double coat, bright gold to copper-coloured eyes and characteristic "Chartreux smile", it is unmistakable. Its origins are likely in Asia Minor, from where it came to France via the Crusades. It has only been officially recognised as an independent breed since 1977 – distinct from the similar-looking British Shorthair (BSH). What's special about the Chartreux: it ranks among the pedigree cats with the fewest documented inherited diseases. Only patellar luxation occurs occasionally, and in breeding, Feline Neonatal Isoerythrolysis (FNI) is a known topic – but this primarily concerns the breeder, not the later owner. With a life expectancy of 12 to 18 years and a calm, affectionate character, it is an ideal family cat. This page shows you what really characterises the Chartreux medically – and how to optimally protect them at Dalma without paying unnecessarily much.