Best Pet Insurance For Jack Russell Terriers

In my professional opinion, Healthy Paws offers the best pet insurance for Jack Russell Terriers.

min read
Updated: 12 February 2024
Written by
Bob Phillips
On this page Open

If you have a Jack Russell Terrier, you’re likely worried about its health. Being a purebred, Jack Russell Terriers are more prone to genetic health issues compared to mixed-breed dogs. Unfortunately, most pet parents can’t afford an unexpected $500 vet bill. That’s where pet insurance comes in handy, helping you mitigate financial risks.

In this review, we’ll explore some of the leading pet insurers for Jack Russell Terriers, assisting you in choosing the policy that suits your needs best. Pet insurance works similarly to personal health insurance, offering better treatment options while limiting out-of-pocket expenses. However, unlike private health insurance, it’s more affordable.

Common health issues for Jack Russell Terriers

Common health issues are prevalent among Jack Russell Terriers, much like with other purebred dogs. Sadly, some breeders have overlooked genetic concerns in breeding Jack Russell Terriers, leading to widespread issues in the breed. Generally, Jack Russell Terriers face more genetic challenges compared to mixed-breed dogs.

Here are some common health problems for Jack Russell Terriers:

  • Patellar luxation
  • Legg-Calve-Perthes disease
  • Eye conditions (like cataracts and glaucoma)
  • Deafness
  • Skin conditions (such as dermatitis and allergies)

Patellar Luxation

Patellar luxation is a common issue where the kneecap dislocates, causing lameness and discomfort. Depending on severity, treatment may include medication or surgery to correct the problem and improve mobility.

Legg-Calve-Perthes Disease

This condition involves the deterioration of the hip joint, leading to pain and limping. Treatment usually involves surgery to remove the affected hip’s femoral head, relieving pain and improving mobility.

Eye Conditions (Cataracts, Glaucoma)

Jack Russell Terriers are prone to eye issues like cataracts and glaucoma, which can affect vision. Regular vet check-ups and prompt treatment are crucial to manage these conditions and preserve eyesight.

Deafness

Deafness, especially in older dogs, is common in Jack Russell Terriers. While it poses communication challenges, training with visual cues and hand signals can help them lead fulfilling lives.

Skin Conditions (Dermatitis, Allergies)

Skin problems like dermatitis and allergies are prevalent, often triggered by food, environmental factors, or fleas. Proper veterinary care, diet management, and allergen avoidance are vital for managing and preventing these issues.

Best Pet Insurance Companies For Jack Russell Terriers 2024

Different pet insurance companies for Jack Russell Terriers are the same in many ways in that they will help ensure your pet is cared for and that your financial risk is limited, but they’re also different in some ways. So while one company may be best for your neighbor’s pet, another may be better for yours.

Here’s our breakdown of the best pet insurance companies for Jack Russell Terriers:

healthy-paws
Best Overall - Healthy Paws
Lemonade
Best Cheap Coverage - Lemonade
manypetsicon-logo
Best for Puppies - ManyPets
Best Pet Insurance Companies For Jack Russell Terriers 2024

Compare The Best Pet Insurance Companies For Jack Russell Terriers

As you can see from our breakdown of the best pet insurance companies for Jack Russell Terriers shown above, many high-quality companies are vying for the top spots. You can also see that each has its own particular strengths. Here’s a snapshot to give you a glance into each insurer:

Overall Rating Best For Waiting Period Reimbursement % Benefit Limit Get A Quote
Healthy Paws
4.9

Overall

15 days accident/illness

70%,80%,90%

Unlimited annual and lifetime

Instant Quote
Lemonade
4.8

Cheap

2 days accidents, 14 illness

70%,80%,90%

$5,000 to $100,000 annually

Instant Quote
ManyPets
4.8

Puppies

15 days accident/illness

70% or 80% (most states)

Unlimited annual and lifetime

Instant Quote
Pumpkin
4.7

Older Dogs

14 days accident/illness

90%

$10,000, $20,000, or unlimited

Instant Quote
Spot
4.7

Multiple Pets

14 days accident/illness

70%,80%,90%

$2,500 to unlimited

Instant Quote
Scroll to see comparisons

Our Methodology

Opinions and subsequent ratings were based on reviewing each insurer's website, customer reviews, other review sites, and personal experience having purchased and used pet insurance in the past.

40

Quotes Analyzed

15+

Years Of Experience

21

Brands Reviewed

25+

Research Hours

Detailed Reviews Of The Best Jack Russell Terrier Insurance Companies


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
10/10 Claims
10/10 Coverage level

Why We Like Them

Healthy Paws stands out as an excellent pet insurance option due to its unlimited claim payouts, lack of per-incident maximums or caps. This feature ensures that you won’t have to make difficult decisions about your pet’s care based on financial limitations.

Their policy is straightforward and easy to understand, without any unnecessary add-ons that could increase costs. Additionally, Healthy Paws allows you to visit any licensed veterinarian, providing flexibility and convenience.

Submitting claims is hassle-free through their user-friendly mobile app or website, with quick processing times, usually within two days.

 

 

 

Benefits & Drawbacks

Benefits
  • No maximum annual or lifetime payouts
  • Most claims processed within two days
  • 30-day money-back guarantee
  • Direct vet payments may be possible
Drawbacks
  • No routine wellness option

Runner-Up for Best Overall

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

In our analysis, Lemonade emerged as the most budget-friendly pet insurance option for Jack Russell Terriers. While its coverage limits are similar to other companies we reviewed, they do not offer unlimited payouts like Healthy Paws. Lemonade’s coverage ranges from $5,000 to $100,000 per year, with premiums increasing based on the selected limit.

Their standard policy includes coverage for accidents and illnesses, encompassing conditions such as cancer, heart disease, skin problems, fractures, and hip dysplasia, which is common among older Jack Russell Terriers.

However, as with most insurers, Lemonade does not cover preexisting medical conditions, dental issues, behavioral problems, or elective procedures.

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Accident waiting coverage period of only two days
  • You get a 10% discount by bundling pet insurance with home, renters, or car insurance you have with Lemonade
Drawbacks
  • No 24/7 pet telehealth line
  • Coverage for vet exam fees has to be added for an extra cost
  • No coverage for prescription food or microchipping

Best for Puppies

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

ManyPets offers highly favorable coverage for puppies, making it stand out in our evaluation. Rates are not influenced by pre-existing conditions, and even cured conditions may become eligible for coverage after 18 months. Additionally, unrelated conditions remain eligible for coverage.

Considering the vulnerability of young Jack Russell Terriers to various health issues like poisoning, ingestion of foreign objects, and accidents due to their energetic nature, ManyPets’ coverage is particularly beneficial. Insuring them when they’re young significantly reduces the likelihood of encountering exclusions for pre-existing conditions as they age.

Benefits & Drawbacks

Benefits
  • Available in more than 40 states
  • Covers vet exam fees for illness and accident visits
  • Offers optional wellness plans
Drawbacks
  • No 24/7 pet telehealth line
  • Doesn’t cover pet behavioral therapy
  • No coverage for alternative therapies

Best for Older Dogs

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

As Jack Russell Terriers grow older, they become more susceptible to genetic illnesses that often necessitate expensive treatments, such as cruciate ligament issues and hip dysplasia.

Pumpkin pet insurance stands out for its coverage in this regard, as there are no special waiting periods for these conditions. Additionally, Pumpkin covers veterinarian exam fees if you need to take your older Jack Russell Terrier in for treatment.

Pumpkin offers a comprehensive selection of coverage options tailored to address a wide range of issues that Jack Russell Terriers may encounter, including surgeries and dental illnesses. With Pumpkin, you have the flexibility to choose from three different deductibles, and the standard reimbursement rate is 90%.

Benefits & Drawbacks

Benefits
  • Optional wellness plan available
  • Discounts for insuring multiple pets
  • 90% reimbursement for dogs and cats 8 weeks and older
Drawbacks
  • No 24/7 pet telehealth line
  • No accident-only plan is available

Best for Older Dogs

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
10/10 Coverage level

Why We Like Them

Many Jack Russell Terrier owners often have multiple pets due to the breed’s friendly nature. Spot pet insurance offers a 10% discount for insuring more than one pet with them, which can result in substantial savings for pet owners.

Spot’s optional preventive care plan includes coverage for wellness care, such as an annual vet visit, fecal test, and teeth cleaning. Some vaccinations are also covered under this plan.

Spot provides a 30-day money-back guarantee for customers who are dissatisfied with the coverage or service. Additionally, Spot reimburses up to 90% of eligible vet bills and offers access to a 24/7 vet helpline.

Moreover, policyholders have the flexibility to visit any U.S.-licensed veterinarian or specialist for their pet’s healthcare needs.

Benefits & Drawbacks

Benefits
  • Covers microchipping
  • Low $100 deductible is available
  • Has a 24/7 pet telehealth line
Drawbacks
  • Accidents have a 14-day waiting period, compared to 2 days with some top competitors

Average cost of pet insurance for Jack Russell Terriers

Company Deductible Annual Reimbursement % Monthly Price Age of Dog
Healthy Paws $500 70% $71 5 year old
Lemonade $500 70% $40 5 year old
Spot $500 70% $73 5 year old
Healthy Paws $500 80% $35 1 year old
Lemonade $500 80% $21 1 year old
Spot $500 80% $54 1 year old
Healthy Paws $500 70% $37 3 month old
Lemonade $500 70% $29 3 month old
Spot $500 70% $84 3 month old

Average cost of typical vet procedures

Typical Vet Procedure Average Cost Of Procedure
Puppy vaccinations $75-100
Flea & tick prevention $40-200
Heartworm prevention $24-120
Spay or neuter surgery $200-800
Annual exam $240-600
Teeth cleaning $200-500
Microchip $40

Average cost of emergency vet procedures

Emergency Pet Procedure Average Cost Of Procedure
General consultation/exam $100-$150
General bloodwork $80-200
X-rays $150-$250
Ultrasound $300-$600
1-2 day hospitalization $600-$1,700
3-5 day hospitalization $1,500-$3,500
Wound treatment & repair $800-$1,500
Emergency surgery $800-$2,500
Oxygen therapy $500

Is pet insurance worth it for Jack Russell Terriers?

Pet insurance serves as a safeguard against unforeseen veterinary expenses. While many pet owners typically cover their pets’ medical costs out-of-pocket, a significant portion of Americans may struggle to afford sudden emergency vet bills, which can amount to $1500 or more.

In such cases, having pet insurance can be a literal lifesaver, providing financial support and allowing pet owners to prioritize their pet’s quality of life over financial constraints.

The value of pet insurance largely depends on individual expectations. If a pet is currently receiving treatment for a chronic condition and the owner seeks financial assistance for these ongoing expenses, they may be disappointed, as most insurance companies do not cover preexisting conditions.

However, by comprehensively understanding the policy terms, coverage limitations, and ensuring alignment with personal budget and requirements, pet owners can significantly enhance the perceived value of their insurance policy.

How to find the best pet insurance company for you

The landscape of pet insurance plans is diverse, with costs and coverage options varying between companies, which can make selecting the right one a daunting task. To navigate this decision effectively, consider the following pointers before committing to a policy:

Check eligibility criteria

Most companies require puppies and kittens to be at least 6 to 10 weeks old to qualify for coverage. Senior pets may face limitations on enrollment, potentially only qualifying for accident coverage. However, once enrolled, coverage is typically offered for the pet’s lifetime, provided premiums are maintained.

Research covered expenses

Pet insurance typically covers surgeries, hospitalizations, and medications for illness or injury. However, certain treatments may incur additional charges or may not be covered at all.

Examples include exam fees, alternative therapies, behavioral treatments, prescription food, and dental care. It’s crucial to understand these nuances, as well as exclusions for pre-existing conditions, cosmetic procedures, and breeding expenses.

Decide on coverage limits

Most pet insurance plans impose an annual payout cap, although some offer unlimited coverage. Determining the appropriate coverage limit depends on individual circumstances and risk tolerance for potential vet bills.

Understand reimbursement and deductibles

Pet insurance plans typically reimburse a percentage of vet bills, with reimbursement levels ranging from 70% to 90%. Deductibles, the amount paid out of pocket before the policy kicks in, also vary and can impact premium costs.

Lower deductibles and higher reimbursement rates result in higher premiums, while higher deductibles lead to lower premiums.

Check waiting periods

Pet insurance plans often impose waiting periods before coverage begins, typically for general accident and illness coverage. Longer waiting periods may apply to specific conditions, such as cruciate ligament injuries.

Examine additional costs

Some insurers offer coverage for routine services like well visits and vaccinations. While appealing, it’s essential to evaluate whether the added cost justifies the benefits. Compare the plan’s annual price with potential out-of-pocket expenses for similar services to make an informed decision.

Compare quotes

Pet insurance costs vary between providers and coverage levels. While discounts may be available for insuring multiple pets, it’s crucial to thoroughly compare quotes from different insurers to ensure a fair comparison of coverage amounts, deductibles, and reimbursement limits.

By carefully considering these factors and conducting thorough research, pet owners can identify the most suitable insurance plan for their pet’s needs and budget.

Factors that impact cost of your pet insurance policy

The cost of your pet insurance policy, much like your health insurance plan, is influenced by several key factors:

  • Location: Pet insurance companies consider the regional cost of veterinary care when determining policy pricing. Areas with higher veterinary expenses may result in higher premiums.
  • Pet’s age: Older animals typically face more health issues, leading to higher insurance premiums compared to younger pets.
  • Pet’s breed: Certain breeds are predisposed to specific health problems. For instance, breeds like bulldogs and Boston terriers commonly develop respiratory issues, while larger breeds like German Shepherds are more prone to hip dysplasia. These breed-related health risks can impact the cost of insurance coverage.
  • Deductibles, coinsurance, and coverage limits: Your willingness to contribute to out-of-pocket expenses for your pet’s care affects insurance premiums. Opting for lower deductibles or higher coverage limits may result in higher premiums, as the insurer bears more financial responsibility for your pet’s medical costs. Conversely, choosing higher deductibles or lower coverage limits can lower premiums, but you’ll be responsible for more costs upfront.

Understanding these factors is crucial in selecting a pet insurance policy that aligns with your budget and provides adequate coverage for your pet’s healthcare needs.

Information About Jack Russell Terriers

Jack Russell Terriers are small, beloved dogs known for being lively and smart. They originally come from England and were bred to hunt and be companions because they’re quick and determined. They have short, smooth coats that are usually white with tan and black spots.

These dogs are full of energy and like to be around people. They love to play and go outside for adventures. Because they’re good at hunting and very agile, they’re great at sports for dogs.

They’re also very loyal to their families and love to show affection by playing with them. Jack Russell Terriers are famous for being lively and adaptable, and people all over the world love them for their spirited personalities.

Is pet insurance cheaper for purebred dogs?

Because purebreds are more likely to have a genetic predisposition to costly diseases and conditions, they are likely to cost more to insure than mixed-breed dogs

What is the average cost of owning a Jack Russell Terrier?

First-year costs are about $3,000 for vaccinations, food, grooming, and insurance, but the price drops to around $1,900 for each year after.

What insurance do you need for a dog?

A dog should have some level of pet insurance so the owner can pay vet bills that will keep their dog healthy and secure.

Go back to top