Do I need pet insurance for my Jack Russell? |

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Jack Russell pet insurance

Hunt for wide coverage for your Jack Russell's misadventures.

Jack Russell Terriers surround you with both energetic adventures and mischief alike. You might want comprehensive coverage to help with accidental injuries or illnesses your furbaby might encounter. In fact, you can look for pet insurance with lifetime renewals since your spunky JRT probably won’t slow down much with age.

Is pet insurance worth it for a Jack Russell Terrier?

Yes, you can benefit from pet insurance because of your Jack Russell’s high levels of activity — and mischief. Jack Russells are known for being hyper, which could lead them to get injured or get in trouble with other dogs. This breed is also known for hereditary conditions including bone and eye disorders like a rotating kneecap, disjointed spinal vertebrae, cataracts or glaucoma.

However, a Jack Russell mix might not have as high a risk for these conditions. A mixed breed’s risk depends on how much Jack Russell blood runs through their veins.

How do I compare pet insurance for my Jack Russell Terrier?

Jack Russells and mixes package bubbly and mischievous personalities in their small bodies, making them at higher risk for accidents, injuries or harm to other people and dogs. They can also suffer several health conditions that may make pet insurance worthwhile.

  • Lifespan. Jack Russells prove a hardy breed with a lifespan between 12 and 14 years old. If your pup is much younger than this age, you can expect a lower premium.
  • Weight. These terriers stick to the miniature size, weighing between 9 and 15 pounds. Many insurance companies charge a lower cost for small dogs.
  • Temperament. What the Jack Russell lacks in size, they make up in a lively, energetic personality. This breed can get into mischief and may snap at neighbors.
  • Health problems. This small pup can face a variety of bone and eye disorders, leading to expensive surgeries.
  • Exercise. Jack Russells require a lot of exercise and training that uses their adept mind and cunning skills. However, that could make them more susceptible to exercise injuries.

Compare pet insurance for Jack Russells

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Dogs, Cats
For $19/month, access 24/7 vet support and $3,000 for one pet emergency a year.
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses, Exotic pets
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
Pets Best
Dogs, Cats
Get up to 90% of your vet bills reimbursed directly into your bank account. Plus, access coverage options with no annual limit.

Compare up to 4 providers

What coverage do I need for a Jack Russell Terrier?

Because of your Jack Russell’s lively character and energy, accident and illness insurance with lifetime renewals may fit the Jack Russell’s needs best. While this policy costs more than others, your pup’s accidents and health conditions could mean paying for costly medication or surgery.

If needed, you can offset the cost of an accident and illness policy with lower annual limits like $5,000 or $10,000. You can also consider less coverage for a mixed breed with less Jack Russell blood.

Other coverage you might benefit from:

  • Accident and illness coverage with lifetime renewals should cover the major problems your pup is likely to face
  • Behavioral training may be included in accident and illness or routine care
  • Routine wellness care for checkups and illness prevention
  • Pet liability might be good to add if your home or renters insurance doesn’t cover it

Will pet insurance cover my Jack Russell’s hereditary conditions?

Typically yes. Most pet insurance companies include coverage for both breed-related and congenital health issues. However, these conditions may not be covered if your pup shows symptoms before buying insurance. The condition would get labeled as a pre-existing condition in this case.

How much does pet insurance cost for a Jack Russell?

You can insure your Jack Russell for around $30 to $50 a month, based on what customers pay with Embrace Pet Insurance. This cost sticks close to the standard $40 per month you can expect with other breeds. Older Jack Russells and those with a history of injuries or harming others might trend on the higher end.

What common health problems can Jack Russells get?

Your beloved canine may face a number of health issues common to this breed, especially bone and eye disorders. Keep in mind that mixed Jack Russells might not encounter these problems as much. Common illnesses for Jack Russells include:

  • Cataracts — Clouded lens in the eye that hampers vision
  • Epilepsy — Canine seizures
  • Hemivertebrae — Dislocated vertebrae due to their abnormal shape
  • Lens luxation — A dislocated lens in the eye that leads to major vision changes or blindness
  • Patellar luxation — Rotating kneecaps

How much do treatments cost?

Stay aware of expected treatment costs for your pup’s common illnesses. What to expect:

Health ProblemExpected treatment cost
Cataracts$2,700 to $4,000
Epilepsy$200 to $500 per year, up to $5,000 in severe cases
Hemivertebrae$2,500 to $7,000 for imaging and surgery
Patellar luxation$1,500 to $3,000

Fun facts about Jack Russells

  • Jack Russells have high energy and a deep hunting instinct that needs channeling into positive adventures.
  • Your pup may be one of several breeds: the Jack Russell Terrier or Parson Terrier. The Parson Terrier typically has longer legs than the other breeds.
  • A Jack Russell bred with shorter legs and long bodies is sometimes called a Shorty Jack.
  • Your Jack Russell can jump high — sometimes up to five feet in the air!
  • Their white coats might burn easily in the sun, so ask your vet whether your pup needs sunscreen while playing outdoors.
  • Soccer, the dog from the Wishbone TV series, is a famous Jack Russel Terrier.

Bottom line

Your Jack Russell Terrier might leave you laughing at their spunk or cringing at their naughty behavior. Either way, make sure your canine friend has the best pet insurance coverage for their needs.

Common questions about Jack Russell Terriers

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