7 Best Jack Russell Terrier Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

With a lifespan of 13-16 years, there’s not a lot of concern as far as potential health risks, but for all the stubbornness and fearlessness of the Jack Russell Terrier, also known as JRT, he does have some issues that can make life challenging. Watch out for cataracts, congenital deafness, patellar luxation (knee cap dislocation), and Legg-Calve-Perthes (hip joint disease). It sounds like a lot, but don’t panic, this is where pet insurance for your Jack Russell Terrier can help make veterinary care more affordable and those bills less daunting. As a licensed insurance agent and fan of all dogs, I am here to help make sense of the pet insurance options that are available to you and your Jack Russell Terrier. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Jack Russell Terrier Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Jack Russell Terrier pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Jack Russell Terrier with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR JACK RUSSELL TERRIER

$22.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Jack Russell Terrier Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR JACK RUSSELL TERRIER

$31.57/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
pumpkin logo
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR JACK RUSSELL TERRIER

$61.48/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cos
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR JACK RUSSELL TERRIER

$86.83/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
aspca
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR JACK RUSSELL TERRIER

$39.72/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR JACK RUSSELL TERRIER

$41.44/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Jack Russell Terrier Pet vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR JACK RUSSELL TERRIER

$53.81/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST FOR JACK RUSSELL TERRIER

$22.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around Jack Russell Terrier Pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Jack Russell Terrier Pet Insurance FAQs

What is dog insurance and why is it useful for Jack Russell Terriers?

Pet insurance can be just as important to a dog’s overall health as human insurance is to our own health. Dog insurance will help take care of medical expenses for your JRT and will support dog owners with the financial costs of the veterinary care that’s required to help your dog maintain his health over the course of his lifetime. Now, that said, dog insurance may not cover the entire cost of owning your dog, but it will save money by covering a significant portion of veterinary bills. Purchasing and utilizing dog insurance is easy, all you need to do is select a plan, make the required monthly payments to keep the policy active, and that’s it. Then, when the need arises, you submit receipts for reimbursement from your insurance provider.

Dog insurance is helpful to have if you have a Jack Russell Terrier as it means you’re ready for anything that may unexpectedly pop up. A few issues that will mean repeated trips to the vet include cataracts, congenital deafness, patellar luxation, Legg-Calve-Perthes (hip joint disease) and knee cap dislocation. Treatment for either of these issues requires ongoing veterinary treatment that will total up quickly. Having dog insurance means your JRT will receive any necessary treatment without taking a bite out of your bank account.

How old does my Jack Russell Terrier need to be insured?

Dog insurance providers will want puppies to be at least eight weeks old in order to start insurance coverage. It would be best if you worked on enrolling your Jack Russell Terrier in a dog insurance plan the moment you bring him home for the first time. Something to note is that most pet insurance premiums are based on age, so the younger you can enroll your JRT, the better.

What are common insurance claims for Jack Russell Terriers?

Despite a strong temperament and short list of hereditary issues, your Jack Russell Terrier can still face a few health battles. Potential claims include cataracts, ectopia lentils (also known as a lens dislocation), deafness, patellar luxation (also called a trick knee – when the patella or kneecap dislocates), Legg-Calve-Perthes (hip joint disease) and others like von Willebrand’s Disease (a blood clotting disorder). Of course, there’s also the potential if your pup actually gets physically hurt with a broken bone or torn muscle. All of these conditions will need ongoing medical treatment and monitoring by a veterinarian, so pet insurance is a must.

What services for my Jack Russell Terrier are covered by dog insurance? What services are excluded from coverage?

Depending on what type of policy you choose for your JRT, insurance coverage can take on many forms. Your policy will likely cover surprise injuries or accidents and can also include surgery, medication, medical tests, emergency care and exam fees. Some pet insurance plans also cover hospitalizations and preventative care. Almost any fox hole where your Jack Russell Terrier might come across during his lifetime can be covered.

Similarly, there are issues that may be excluded in your plan. A reminder that most dog insurance policies will not cover the cost of care for pre-existing conditions, which is why enrolling your Jack Russell Terrier in a policy as soon as possible is important.

How does reimbursement work?

The dog’s person is responsible to pay the medical bill upfront and then submit the vet bill for reimbursement to the insurance provider. Your Jack Russell Terrier insurance provider will then pay you back a certain percentage of that bill. Your insurance company will determine how much money you’ll receive back based on your deductible and reimbursement rate.

Should I enroll in a high deductible or low deductible plan?

There really is something out there to fit every budget when it comes to pet insurance policies. Choose from high deductible plans, low deductible plans, and even plans with no deductible at all. It really just depends on how you want to manage your finances for your Jack Russell Terrier. The higher the deductible, then typically the lower the monthly payment, but that means you’ll pay a higher cost during those unexpected emergencies. The last thing on your mind during a pet emergency visit should be how am I going to pay for this expensive vet bill. The lower deductible plan may be for you, which means a higher monthly payment, but that will equal less of a financial surprise during a stressful medical emergency.

5 Tips for Keeping Your Jack Russell Terrier Safe & Healthy

You’ve brought a Jack Russell Terrier home, enrolled in dog insurance, now there’s a few more ways to make sure that your JRT will be around for as long as possible.

1. Regular Exercise

This little guy can weigh anywhere from 13-17 pounds and pack a lot of energy into that little dog’s body. Your JRT is tenacious, fearless and has a strong hunting drive and therefore needs ample exercise to curbside that excessive need to move around (and don’t forget dig – he loves to dig). Walks must be on a leash as his natural instinct will be to quickly go after those cute little critters and dive into the inevitable fox hole or critter den. A fenced yard for playtime is ideal. You may also want to try dog sports such as flyball or agility races as his high energy makes the JRT well suited for the skill sets needed to succeed. One thing to keep in mind, despite their small size, Jack Russell Terriers are not necessarily the best for apartment living as they need regular daily exercise to curbside any negative behaviors.

2. Training and Socialization

Like a lot of Terriers, Jack Russell Terriers can be stubborn, so early socialization is important to making sure they integrate into the family. JRTs have a protective instinct and are loyal and protective of their home and people, but that also means excessive barking can occur when other humans are present. Jack Russell Terriers can also be very jealous or possessive, so ignoring or removing your JRT near your young children can cause issues. For that reason, the Jack Russel Terrier may not be the right choice in a home with young children. Obedience classes are a good idea for this stubborn little guy as he can become aggressive towards other animals and people if not socialized and trained properly.

3. Nutritious Diet

The Jack Russell Terrier doesn’t require any special diet and will do well with high quality dog food, whether that’s bought in a store or homemade. Always keep in mind that food should be appropriate for your pup’s age with puppy food formulated for your little one and senior food for your older dog. Some Jack Russell Terriers are prone to weight gain, so keep an eye on his food consumption and work with your vet on a healthy weight range for your dog. Also important, always have clean, fresh water available.

4. Love and Affection

As noted, Jack Russell Terriers are very playful and have lots of energy, but once they’ve released that energy for the day, they can very easily curl up on the couch with you for some relaxing nap time. Extra love and attention will go a long way with this little pup.

5. Regular Grooming

Despite the short fur, your Jack Russell Terrier is not hypoallergenic and may shed quite a lot, especially as their coats change in the seasons (think Spring or fall). The JRT coat can come in two types, short and smooth, broken and rough. The good news is that waterproof fur needs regular brushing and the occasional bath will be enough to keep that coat clean and healthy. Don’t forget other basic care like regular ear cleaning and teeth brushing.

Conclusion

The Jack Russell Terrier can be a stubborn challenge, but the rewards when he curls up next to you for some love and affection time can be immeasurable. Purchasing a pet insurance policy for your JRT is the best way to keep your little guy healthy for years to come. The volume of insurance options available and the enrollment processes can be confusing. You must select the best plan for you and your dog, pay the monthly premium, and then your Jack Russell Terrier is covered. There’s many reasons that your JRT may need veterinary care. Having coverage means your pup can receive the necessary treatment without the stress of facing a financial downfall.

After extensive research, we conclude that Lemonade pet insurance offers the best dog insurance policy at the lowest monthly price for the Jack Russell Terrier.

SwiftScore Ranking Methodology for Jack Russell Terriers

We ranked the best pet insurance policies for Jack Russell Terriers based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Jack Russell Terrier with a $500 deductible located in the 90210 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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