2024 Best Pet Insurance for Jack Russell Terriers

Last updated Feb 10, 2022

Are you a dog/cat owner or considering adopting? You've come to the right place! Check everything you need to know about Jack Russell Terriers below to see if they're the great fit. We'll cover breed characteristics, personality, common health issues, care and sanitary information and pet insurance cost. While pet insurance usually doesn’t cover pre-existing conditions such as patellar luxation, deafness, and ichthyosis, it helps cover the vet’s bills in case your pet gets sick or injured. The average pet insurance premium for dog is around $218.13 per year for accident only and $594.15 per year for accident and illness.

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The cheerful Russell Terrier was bred by England's "Sporting Parson" for use in foxhunts and is upbeat, vivacious, curious, and friendly. The Russell Terrier may resemble a soft toy come to life, yet it is a hardworking, energetic terrier.

The Jack Russell dog breed is known for being intelligent, tenacious, playful, and fun-loving. They are quick learners, excellent escape artists, and enjoy digging in the garden. Their fondness for digging stems from their past lives as ratters that caught and killed their prey. They're adorable little character dogs who are full of enthusiasm, however they may be a little barky and aggressive at times. They moult a lot, therefore they wouldn't be suitable for someone who is house proud or prefers a quiet existence. He need an owner who will play with him and provide him with ample exercise on a daily basis.

Common Health Problems/Possible Pre-Existing Condition

Health Problem Risk Medical Cost
Patellar Luxation $1,500-$3,000
Deafness $100-$300
Ichthyosis $200-$1,000
Legg-Calve-Perthes Disease $1,000-$3,000

Average Size and Life Expectancy


Average Pet Insurance Cost and Why Your Jack Russell Terriers Need it?

Depending on where you reside, the age of your dog, and the policy settings you select, pet insurance may cost more or less. Jack Russell Terriers policies can be more costly than mixed breed policies since Jack Russell Terriers are considerably more likely than mixed breed dogs to file claims for inherited diseases that are expensive to treat.

According to the 2021-2022 APPA National Pet Owners Survey, the annual expenses of surgical vet visits for dogs is $458 on average and the average annual expenses of routine vet visits for dogs is $242. But if a pet becomes ill or has an accident, those expenses can increase drastically.

Every year, 1 out of every 3 pets will require emergency treatment. According to Petplan, the typical cost of unexpected veterinary care for pets ranges from $800 to $1,500 while around 61 percent of Americans do not even have enough money set up to meet a $1,000 emergency. You’ll always need a pet insurance to save your life because unanticipated crises and operations are the most unaffordable burden. Pet insurance won’t cover all the spending at the vet, but it can help you from going bankrupt in just a snap.

After you pay a deductible, which can vary from $0 to $1,000 or more depending on your plan, an insurance policy normally pays 70% to 90% of your costs.

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Care & Sanitary

There are three sorts of coats: smooth, broken, and rough. A weekly all-over rubdown with a soft brush or hound glove will keep the dense, short, smooth coat looking wonderful. The rough and damaged coats will need to be brushed or combed monthly, but they will be kept essentially natural with minimum grooming. Russell's nails should be cut once a month, and his ears should be checked and cleaned regularly for debris or excess wax.

Other Tips to Save Money on Pet Insurance

  • Higher deductible
    Consider having higher deductible plan if you only make one or two claim annually. The higher your deductible, the cheaper your monthly premium will be. But if your pet needs to visit the vet on a regular basis, a high deductible could harm your pocket badly.
  • Lower reimbursement plan
    Limit the amount you get from insurer if you file a claim. Just like the higher deductible, it could decrease your monthly rates but also risky if your pet get seriously ill often.
  • Pay annually
    Some insurer are willing to provide discount if you agree to an annual payment.
  • Insure them in an early age
    The younger your pet, the lower the insurance rates will be. Young pets usually have fewer pre-existing conditions. Oftentimes, accidents can happen sooner than you think. Keep in mind that the insurers normally have an age limit(from 7 to 14 years old, depending on companies) that they will not accept your pet.
  • Shop around
    Always look for better deals. You may compare pet insurance quotes through comparison websites, just like you can with other insurance, but you should also do your own research.


Find the best and cheapest pet insurance

Compare the top insurance brands at once for free