Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
📍 84%[10] of customers choose lifetime pet insurance
Jack Russell pet insurance
Compare Jack Russell insurance.
Quotes from £3.99[1]
Complete a purchase and earn a £10 reward with super save club logo
Item 1 of 2
Do I need Jack Russell pet insurance?
You don't legally need pet insurance for a Jack Russell in the UK. However, it can help protect you from unexpected costs if your dog becomes ill, gets injured or causes an incident.
Depending on your policy, Jack Russell insurance may help with costs if:
Your Jack Russell becomes ill, is injured or needs to be put down
Your Jack Russell is lost or stolen
Your Jack Russell injures someone or damages their property, including their pets
How much is Jack Russell dog insurance?
Cheapest monthly price
£3
.99[1]
Average monthly price
£9
.56[4]
Are Jack Russells expensive to insure?
No, Jack Russells are relatively inexpensive to insure compared with the average dog. But your premium will still depend on factors such as your dog's age, health and medical history, your location and the level of cover you choose.
The average cost of dog insurance is £12.33[5] a month, while Jack Russell insurance costs an average of £9.56[4] a month.
What impacts the cost of pet insurance?
Some factors that change the price you pay for pet insurance are:
The type of cover you select
Your pet's age
Your pet's breed
If your pet has any history of aggression
If your pet has any pre-existing medical conditions
Your location
Your claim history
On average, owners of aggressive pets pay 8.50%[6] more for their pet insurance. A pet that has had complaints made about it will cost its owners 6.34%[6] more.
How can I get cheaper pet insurance?
Some ways to reduce the price of your pet insurance premiums include:
Compare quotes
Select a multi-pet policy
Select an accident-only policy
Maintain your pet's health
Increase your excess
Pay annually
Spay or neuter your pet
Spaying or neutering your pets will reduce your insurance costs by an average of 0.56%[6] on average.
You can find much bigger savings of up to 40.41%[7] by selecting an accident-only insurance policy, but you will get much more limited cover.
How much is the average pet insurance claim?
£685[8]
According to the Association of British Insurers (ABI)
What type of Jack Russell insurance should I get?
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Maximum benefit
Sets limits on how much you can claim for any given illness or injury.
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Time limited cover
Covers your pet for a specific period of time (usually 12 months).
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Accident only cover
The cheapest option, but it only covers accidents, not illnesses.
📍 Accident only policies are 40.41%[7] cheaper on average
What is the most common pet insurance claim for Jack Russells?
These are the most common claims made on Jack Russell pet insurance, according to The Insurance Emporium.
Will my pet insurance cover all these illnesses and accidents?
Accident-only policies cover injuries such as broken bones or burns, but they won’t cover illnesses like pancreatitis. So if your Jack Russell developed pancreatitis, you’d need to pay an average of £637 [9] yourself.
Time-limited and maximum benefit policies do include illness cover, but only up to a fixed time period or payout limit. Once you hit that limit, ongoing and recurring conditions like arthritis won’t be covered anymore. This could leave you facing repeated out-of-pocket costs of £183[9].
Lifetime policies renew the vet fee limit every year, meaning you can continue claiming for long-term conditions. However, premiums tend to rise annually, and changing insurer usually means existing conditions will no longer be covered.
What does Jack Russell insurance cover?
Cover varies by provider and policy, so always check your insurance documents.
-
Typically covered
✔ Vet billse.g. medicines, treatments and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Dental treatment for accidents, like breaking a tooth
✔ Alternative therapies e.g. hydrotherapy or acupuncture (when recommended by a vet)
✔ Euthanasia (putting pets down)
✔ Lost and stolen pets e.g. advertising, rewards, refund of purchase price
✔ Third party liability cover e.g. your dog harms someone or their property
✔ Emergency boarding fees e.g. if you are unexpectedly hospitalised
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Not typically covered
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Training and obedience classes
✖ Banned breeds or dog breeds classed as dangerous
✖ Unvaccinated or unmicrochipped animals
Can I get pet insurance if my Jack Russell has a pre-existing condition?
Yes, having a pre-existing condition doesn't necessarily stop you getting insurance for your Jack Russell.
Standard policies normally exclude conditions your dog already had before taking out the policy. Specialist policies may cover some existing conditions, but they can cost more and restrictions may apply.
Can I get pet insurance if my Jack Russell is aggressive?
Yes, you may still be able to insure a Jack Russell that has previously shown aggressive behaviour.
Tell the insurer about any biting, aggression or previous incidents when getting a quote. Your dog's behavioural history may affect the premium, policy terms or cover available.
What health issues do Jack Russells have?
Jack Russell Terriers can be prone to several inherited health conditions, including:
Luxating patellas
Primary lens luxation
Late onset ataxia
Spinocerebellar ataxia
Legg-Calvé-Perthes disease
Some of these conditions can affect a dog's eyesight, mobility or coordination, and health screening is available for several inherited disorders.
Are Jack Russells an aggressive dog breed?
Jack Russells aren't inherently aggressive, but they can be confident, excitable dogs with strong terrier instincts.
The PDSA says that some can become frustrated and nip, particularly around younger or boisterous children. Early socialisation, consistent training and plenty of physical and mental stimulation can help manage unwanted behaviour.
Only 0.5%[12] of Jack Russell owners report that their dog show signs of aggression such as tackling or biting other people or pets.
Our expert says…
While opting for a cheaper pet insurance policy might save you a few pounds a month, it's a good idea to consider what the policy covers and the actual cost of veterinary care if your pet gets sick.
According to the ABI, the average pet insurance claim in the UK was £685[8] in 2024. That's significantly higher than the average annual cost of cover for a dog (£165.43[13]) or cat (£81.48[14]).
And while that’s the average, some conditions can be far more expensive. For example, treatment for elbow dysplasia, a common condition in large dog breeds, can cost over £50,000, according to the ABI.
Lauren Chong Pet Insurance Expert
Frequently Asked Questions
Do Jack Russells make good pets?
Yes, Jack Russells can make excellent pets for active owners who have time for training and exercise.
They're clever, loyal and energetic dogs, but their lively nature means they need plenty to keep them occupied.
How long do Jack Russells live?
Jack Russells can be long-lived dogs.
An RVC study found a life expectancy from birth of 12.7 years for Jack Russell Terriers, the highest among the 18 breeds included in the research. Individual dogs may live for shorter or longer periods.
How much exercise does a Jack Russell need?
Jack Russells need at least one hour of exercise each day.
They also benefit from play, training and opportunities to run safely, as they're energetic dogs with a strong instinct to chase.
Are Jack Russells high maintenance?
Their coats are fairly low maintenance, but their exercise and training needs can be demanding.
A weekly brush is generally enough for their coat, although rough-coated Jack Russells may occasionally need professional grooming.
Are Jack Russells good for first-time owners?
They can be. Jack Russells are intelligent and respond well to reward-based training, but they can also be lively and strong-willed.
First-time owners should be prepared to provide consistent training, exercise and plenty of mental stimulation.
Can Jack Russells be left alone?
Jack Russells generally prefer company and can develop separation anxiety if they're regularly left alone.
Build up time alone gradually and make sure your dog gets enough exercise and stimulation when you're together.
Are Jack Russells good with children?
Jack Russells can live happily with children when they're properly trained and socialised, but they may be better suited to families with older children.
PDSA notes that some Jack Russells can be less tolerant of young or boisterous children and may nip when frustrated. Dogs and children should always be supervised together.
Can Jack Russells live with other pets?
They can live with other dogs if they're well socialised, but smaller pets may be more difficult.
Jack Russells have a strong prey drive and naturally like to chase, so PDSA advises caution around smaller animals.
Compare pet insurance quotes from the UK's leading insurers
We compare quotes from 37[15] of the most trusted providers, so you can easily compare cover level, vet fee limits, excess and price.
What information do I need to get a pet insurance quote?
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Pet’s age
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Pet's breed or size
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Pet's cost
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Pet's behavioural history
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Pet's medical history
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Pet's health*
Want rewards, cashback and free experiences? We've got you....
-
Earn up to £20[16] every time you buy
We’ll reward you every time you make a purchase. Exchange your earnings for a gift card for Amazon.co.uk[17], Sainsbury’s & more
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Free experiences
A year's worth of free experiences across the UK. From London Zoo and Go Ape, and English Heritage, there’s an adventure for everybody. Worth £180[18].
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Cashback
Whether you're buying clothing, homewares or takeaways, earn up to 10%[16]cashback from brands like Just Eat, eBay & Argos.
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Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is pet insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy pet insurance through MoneySuperMarket.
This includes:
Up to £10, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is pet insurance eligible for Price Promise?
Yes, pet insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth £10
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 23 Sep 2026
Sources and supporting information
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[1]
Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.
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[2]
SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[3]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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[4]
Based on the 51st percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.
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[5]
Based on the 51 percentile of monthly premiums our customers were quoted less than £12.33 per month for dog insurance based on quotes created on MoneySuperMarket in the month of August 2026 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
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[6]
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
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[7]
Based on Pet Insurance enquiries on MoneySuperMarket between 2026-04-01 and 2026-07-01 where the quote was for all covertype.
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[8]
Source: Association of British Insurers (ABI), 2025, 'Insurance payouts for ‘pawly’ pets top £1 billion for third year in a row' https://www.abi.org.uk/news/news-articles/2025/5/insurance-payouts-for-pawly-pets-top-1-billion-for-third-year-in-a-row/
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[9]
Based on the Insurance Emporium's claims data, January-June 2026
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[10]
Percentage of sold polices where the user searched for a covertype of LIFETIME. Using Moneysupermarket policies sold between June 2026 and August 2026.
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[11]
Based on The Insurance Emporium's claims data, January to December 2025
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[12]
Based on the volume of dog insurance quotes created on MoneySuperMarket between September 2024 and August 2026.
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[13]
Based on the median annual premium our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.
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[14]
Based on the median annual premium our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.
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[15]
Accurate as of 18 September 2026.
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[16]
T&Cs and restrictions apply, see here for more information
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[17]
T&Cs apply, click here for more information
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[18]
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
