AKC is the best pet insurance company for Jack Russell Terriers due to its strong customer satisfaction and comprehensive coverage options. Other top-rated options include Rainwalk, Pets Best and Lemonade.
Jack Russell Terrier Insurance
Updated: September 1, 2025
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Key Takeaways
AKC is the best pet insurance company for Jack Russell Terriers, offering strong coverage and service quality.
Pets Best provides the cheapest pet insurance rates for Jack Russell Terriers, with an average monthly rate of around $22 for standard protection.
Pet insurance for Jack Russell Terriers costs $73 per month on average, ranking them as the 187th most expensive dog breed to insure.
Best Jack Russell Terrier Pet Insurance Companies
| AKC | 4.50 | $38 | 3 | 1 |
| Rainwalk | 4.45 | $36 | 1 | 4 |
| Pets Best | 4.40 | $22 | 5 | 2 |
| Lemonade | 4.35 | $24 | 3 | 6 |
| Spot | 4.15 | $35 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
AKC
Best Pet Insurance for Jack Russell Terriers
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$38Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers curable pre-existing conditions
Best Jack Russell Terrier Pet Insurance by State
AKC ranks as the top pet insurance provider for Jack Russell Terriers in 50 states nationwide. Rainwalk leads in 5 states, including Michigan, Kansas and South Carolina.
| Alabama | AKC | 4.50 |
| Alabama | Rainwalk | 4.50 |
| Alaska | AKC | 4.50 |
| Arizona | AKC | 4.50 |
| Arkansas | AKC | 4.55 |
| California | AKC | 4.55 |
| Colorado | AKC | 4.55 |
| Connecticut | AKC | 4.55 |
| Delaware | AKC | 4.50 |
| Florida | AKC | 4.55 |
| Georgia | AKC | 4.50 |
| Hawaii | AKC | 4.55 |
| Idaho | AKC | 4.50 |
| Illinois | AKC | 4.55 |
| Indiana | AKC | 4.55 |
| Iowa | AKC | 4.50 |
| Kansas | AKC | 4.50 |
| Kansas | Rainwalk | 4.50 |
| Kentucky | AKC | 4.55 |
| Louisiana | AKC | 4.50 |
| Maine | AKC | 4.50 |
| Maryland | AKC | 4.50 |
| Massachusetts | AKC | 4.50 |
| Michigan | Rainwalk | 4.45 |
| Michigan | AKC | 4.45 |
| Minnesota | AKC | 4.50 |
| Mississippi | AKC | 4.55 |
| Missouri | AKC | 4.50 |
| Montana | AKC | 4.55 |
| Nebraska | AKC | 4.50 |
| Nevada | AKC | 4.50 |
| New Hampshire | AKC | 4.50 |
| New Jersey | AKC | 4.50 |
| New Mexico | AKC | 4.55 |
| New York | AKC | 4.55 |
| North Carolina | AKC | 4.50 |
| North Dakota | AKC | 4.55 |
| Ohio | AKC | 4.50 |
| Oklahoma | AKC | 4.60 |
| Oregon | AKC | 4.55 |
| Pennsylvania | AKC | 4.55 |
| Rhode Island | AKC | 4.55 |
| South Carolina | AKC | 4.50 |
| South Carolina | Rainwalk | 4.50 |
| South Dakota | AKC | 4.55 |
| Tennessee | AKC | 4.55 |
| Texas | AKC | 4.55 |
| Utah | AKC | 4.50 |
| Vermont | AKC | 4.55 |
| Virginia | AKC | 4.50 |
| Virginia | Rainwalk | 4.50 |
| Washington | AKC | 4.60 |
| West Virginia | AKC | 4.55 |
| Wisconsin | AKC | 4.50 |
| Wyoming | AKC | 4.55 |
*Rates are based on a 6-year-old Jack Russell Terrier with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Jack Russell Terrier Pet Insurance Companies
Pets Best offers the most affordable pet insurance for Jack Russell Terriers at $22 per month or $263 per year. Other budget-friendly options include Pumpkin, Lemonade, ASPCA and Figo.
| Pets Best | $22 | $263 | 60% |
| Pumpkin | $23 | $280 | 57% |
| Lemonade | $24 | $294 | 55% |
| ASPCA | $29 | $352 | 46% |
| Figo | $32 | $386 | 41% |
*Rates are based on a 6-year-old Jack Russell Terrier with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pets Best
Cheapest Pet Insurance for Jack Russell Terriers
MoneyGeek Rating
4.4/ 5
4.8/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$22Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Jack Russell Terrier Pet Insurance by State
Pets Best offers the most affordable pet insurance for Jack Russell Terriers nationwide, ranking cheapest in all 50 states. Monthly premiums range from $15 to $28, depending on location.
| Alabama | Pets Best | $16 | 62% |
| Alaska | Pets Best | $21 | 61% |
| Arizona | Pets Best | $27 | 59% |
| Arkansas | Pets Best | $15 | 62% |
| California | Pets Best | $28 | 57% |
| Colorado | Pets Best | $28 | 59% |
| Connecticut | Pets Best | $25 | 60% |
| Delaware | Pets Best | $22 | 60% |
| Florida | Pets Best | $25 | 60% |
| Georgia | Pets Best | $20 | 59% |
| Hawaii | Pets Best | $22 | 61% |
| Idaho | Pets Best | $22 | 60% |
| Illinois | Pets Best | $27 | 58% |
| Indiana | Pets Best | $20 | 59% |
| Iowa | Pets Best | $18 | 61% |
| Kansas | Pets Best | $20 | 60% |
| Kentucky | Pets Best | $17 | 62% |
| Louisiana | Pets Best | $18 | 61% |
| Maine | Pets Best | $27 | 60% |
| Maryland | Pets Best | $22 | 63% |
| Massachusetts | Pets Best | $28 | 59% |
| Michigan | Pets Best | $22 | 60% |
| Minnesota | Pets Best | $23 | 59% |
| Mississippi | Pets Best | $19 | 61% |
| Missouri | Pets Best | $17 | 61% |
| Montana | Pets Best | $18 | 61% |
| Nebraska | Pets Best | $20 | 60% |
| Nevada | Pets Best | $23 | 59% |
| New Hampshire | Pets Best | $26 | 59% |
| New Jersey | Pets Best | $25 | 59% |
| New Mexico | Pets Best | $19 | 61% |
| New York | Pets Best | $24 | 59% |
| North Carolina | Pets Best | $20 | 61% |
| North Dakota | Pets Best | $17 | 61% |
| Ohio | Pets Best | $20 | 61% |
| Oklahoma | Pets Best | $18 | 61% |
| Oregon | Pets Best | $27 | 59% |
| Pennsylvania | Pets Best | $23 | 60% |
| Rhode Island | Pets Best | $19 | 60% |
| South Carolina | Pets Best | $21 | 59% |
| South Dakota | Pets Best | $19 | 61% |
| Tennessee | Pets Best | $20 | 60% |
| Texas | Pets Best | $23 | 59% |
| Utah | Pets Best | $21 | 61% |
| Vermont | Pets Best | $20 | 60% |
| Virginia | Pets Best | $24 | 61% |
| Washington | Pets Best | $25 | 61% |
| West Virginia | Pets Best | $19 | 60% |
| Wisconsin | Pets Best | $24 | 61% |
| Wyoming | Pets Best | $20 | 60% |
*Rates are based on a 6-year-old Jack Russell Terrier with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Jack Russell Terrier Insurance Cost?
Monthly pet insurance for Jack Russell Terriers ranges from $50 to $95 depending on your location, ranking as the 187th most expensive breed to insure nationwide. Your actual premium will vary based on your pet's needs and chosen coverage options.
| Alabama | $55 | $663 | -24% |
| Alaska | $72 | $868 | -1% |
| Arizona | $87 | $1,048 | 19% |
| Arkansas | $50 | $596 | -32% |
| California | $90 | $1,089 | 24% |
| Colorado | $91 | $1,100 | 25% |
| Connecticut | $84 | $1,004 | 14% |
| Delaware | $74 | $890 | 1% |
| Florida | $83 | $1,001 | 14% |
| Georgia | $65 | $781 | -11% |
| Hawaii | $75 | $898 | 2% |
| Idaho | $73 | $877 | -0% |
| Illinois | $89 | $1,076 | 23% |
| Indiana | $66 | $793 | -10% |
| Iowa | $60 | $728 | -17% |
| Kansas | $67 | $799 | -9% |
| Kentucky | $58 | $703 | -20% |
| Louisiana | $59 | $710 | -19% |
| Maine | $88 | $1,060 | 21% |
| Maryland | $76 | $918 | 5% |
| Massachusetts | $95 | $1,139 | 30% |
| Michigan | $73 | $884 | 1% |
| Minnesota | $75 | $900 | 3% |
| Mississippi | $63 | $757 | -14% |
| Missouri | $58 | $696 | -21% |
| Montana | $62 | $746 | -15% |
| Nebraska | $65 | $788 | -10% |
| Nevada | $74 | $896 | 2% |
| New Hampshire | $84 | $1,009 | 15% |
| New Jersey | $82 | $982 | 12% |
| New Mexico | $64 | $774 | -12% |
| New York | $80 | $961 | 9% |
| North Carolina | $66 | $796 | -9% |
| North Dakota | $56 | $678 | -23% |
| Ohio | $68 | $819 | -7% |
| Oklahoma | $61 | $736 | -16% |
| Oregon | $91 | $1,091 | 24% |
| Pennsylvania | $77 | $924 | 5% |
| Rhode Island | $65 | $777 | -12% |
| South Carolina | $70 | $840 | -4% |
| South Dakota | $66 | $788 | -10% |
| Tennessee | $67 | $810 | -8% |
| Texas | $75 | $906 | 3% |
| Utah | $71 | $852 | -3% |
| Vermont | $68 | $818 | -7% |
| Virginia | $80 | $960 | 9% |
| Washington | $85 | $1,017 | 16% |
| West Virginia | $63 | $754 | -14% |
| Wisconsin | $79 | $948 | 8% |
| Wyoming | $67 | $808 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Jack Russell Terrier. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Jack Russell Terrier Insurance Costs?
Jack Russell Terriers rank 187th in pet insurance costs, making them expensive to insure. Breed-specific health and behavior factors drive higher rates, but coverage costs can be managed effectively.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Jack Russell Terriers face breed-specific health challenges that insurers consider high-risk. Patellar luxation often requires surgical correction. These dogs are prone to dental disease, eye problems like lens luxation, and heart conditions. Genetic predisposition to these issues significantly impacts insurance premiums and veterinary costs.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Small breeds generally require lower medication doses and less anesthesia than larger dogs. However, Jack Russell Terriers' compact size makes some procedures more delicate, requiring specialized equipment. High energy levels complicate recovery periods, potentially requiring specific rehabilitation protocols.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $800 (Young) to $1,000 to $3,500 (Senior)
Jack Russell Terriers live 12 to 16 years, longer than most breeds. An extended lifespan means more years of potential health issues and veterinary care. Senior dogs need frequent checkups, dental work and age-related condition management, leading to substantially higher medical costs.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Jack Russell Terriers' high-intensity activity levels increase injury risk, including cruciate ligament tears, dental trauma and muscle sprains. Their bold nature and prey drive can lead to confrontations or accidents, affecting medical costs and liability coverage options.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased popularity has led to concerning breeding practices among Jack Russell Terriers, resulting in more inherited health issues. Insurance providers scrutinize this breed carefully for genetic conditions like primary lens luxation and deafness. Selecting puppies from health-tested parents with documentation reduces future medical expenses.
Your dog's unique health profile matters most when choosing insurance. Consider your budget and your pet's needs, and consult your veterinarian about potential health risks.
INSURANCE RISK PREVENTION
Protect your Jack Russell Terrier's health with daily high-energy exercise and regular dental cleanings to prevent common breed issues. Choose a breeder who tests for genetic conditions like lens luxation and patellar luxation. Keep your dog at a healthy weight through proper portion control, and schedule annual vet checkups to catch potential problems early. These steps help avoid costly health issues later.
How to Get the Best Cheap Jack Russell Terrier Pet Insurance
Finding affordable Jack Russell Terrier insurance takes some research, but these steps will help you lower your costs.
- 1
Understand Your Coverage Options
Jack Russell Terriers can face specific health issues like dental problems and joint injuries. Review pet insurance coverage options to decide between accident-only or comprehensive plans that fit your budget and pet's needs.
- 2
Compare Insurance Companies
Get familiar with top pet insurance providers and their basic rates. Look for companies with positive customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Check waiting periods and pre-existing condition rules before signing up. Most providers have waiting periods of 14-30 days for accidents and illnesses.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Check Rates Yearly
Review your policy annually. Your pet's needs change with age, and new providers may offer better rates.
Jack Russell Terrier Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Jack Russell Terriers, while Pets Best offers the lowest monthly premiums. Compare both insurers and other trusted options to find coverage that matches your pet's health needs and budget. The right policy brings peace of mind and reliable coverage when your Jack Russell Terrier needs care.
Pet Insurance for Jack Russell Terrier: FAQ
Below are our expert answers to frequently asked questions about Jack Russell Terrier insurance:
What is the best pet insurance provider for Jack Russell Terriers overall?
AKC provides the best insurance for Jack Russell Terriers, offering comprehensive coverage and excellent customer experience. Despite higher-than-average premiums, their extensive benefits and strong coverage options deliver superior value for pet owners.
Who offers the cheapest pet insurance for Jack Russell Terriers?
Pets Best provides the most affordable pet insurance for Jack Russell Terriers at $22 per month for standard coverage. Note that actual premiums will vary based on your location, pet's age, and specific coverage needs.
How much does Jack Russell Terrier insurance cost?
Jack Russell Terriers rank 187th in insurance costs at $73 per month for coverage. Monthly premiums across states range from $50 to $95, depending on your location.
What are the most common accident and illness risks for Jack Russell Terriers?
Jack Russell Terriers commonly face patellar luxation (kneecap dislocation causing lameness and pain), lens luxation (eye lens displacement leading to vision problems), and deafness (particularly in predominantly white dogs). These health risks are largely linked to the breed's genetic makeup and small, athletic build.
How We Found the Best and Cheapest Jack Russell Terrier Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Jack Russell Terriers. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Jack Russell Terriers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Jack Russell Terrier
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.