Best pet insurance for a Toy Fox Terrier

There is no single best policy, so here is the pick for each priority, worked out from 8 insurers' plan facts and the conditions Toy Fox Terriers are known for.

$27–$46/mo est.Typical monthly premium (2 yrs, 80%, $250 deductible)
4Conditions to check coverage for
$3,000Top of the range: patellar luxation

Toy Fox Terrier insurance cost by state, conditions and vet bills →

Our picks for a Toy Fox Terrier, by priority

Lowest estimated priceOdieAbout $31 a month in our model for a 2-year-old Toy Fox Terrier, 80% reimbursement, $250 deductible, national average.
Shortest illness waiting periodLemonade, Embrace, Spot, Pets Best and Odie14 days before illness coverage starts, so a condition that shows up early is less likely to be excluded as pre-existing.
Unlimited annual limitEmbrace, Spot, Pets Best, Trupanion and Healthy PawsAn unlimited annual limit option, so one expensive year never runs into a cap.
For ongoing vet visitsSpot, Pets Best and FetchExam fees included. Hypothyroidism means repeat visits, and each exam fee adds up.
For one lifelong conditionTrupanionA per-condition deductible: paid once for a condition for the dog's life, instead of every policy year.
Lowest deductible optionTrupanionDeductibles from $0, for owners who would rather pay a higher premium than a large share of each bill.

Picks come only from published plan facts and our price model, never from commissions. How we make money.

What to look for in a policy for a Toy Fox Terrier

Hereditary coverage. All 8 insurers we compare cover hereditary and congenital conditions, as long as they aren't pre-existing.
An annual limit above $3,000. That is the top of the range for patellar luxation^[2], the most expensive condition linked to the breed.
The orthopedic waiting period. Toy Fox Terriers are prone to patellar luxation^[1] and legg-calve-perthes disease^[1]; some insurers wait around six months before covering joint problems.
How the deductible works. hypothyroidism^[1] needs ongoing care, so exam fees and whether the deductible resets every year matter more than usual.
Enroll before the first symptom. Anything noted before coverage starts is excluded for good. The best age to insure.

Hereditary and congenital. Conditions a dog inherits or is born with, like hip dysplasia. Covered only if they were not diagnosed or showing signs before you enrolled. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryOrthopedic waiting period. A longer waiting period some insurers apply specifically to joint and ligament conditions, such as cruciate ligament tears, often around six months. More in the glossaryPer-condition deductible. A deductible charged once per diagnosed condition, instead of once per policy year, until that condition's deductible has been met. More in the glossaryPre-existing condition. Anything diagnosed or showing symptoms before coverage starts or during the waiting period. No insurer we list covers it. More in the glossaryWaiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossary

All 8 insurers for a Toy Fox Terrier, by estimated price

Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible, national average. These are BreedSure estimates, not quotes.

All 8 insurers shown cover hereditary and congenital conditions.

Odie
Lowest est.
14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$31/mo est.Plan details for Odie
Lemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$32/mo est.Plan details for Lemonade
Pets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$33/mo est.Plan details for Pets Best
Embrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$35/mo est.Plan details for Embrace
Spot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$36/mo est.Plan details for Spot

Show 3 more insurersShow fewer insurers

Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$37/mo est.Plan details for Fetch
Healthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$39/mo est.Plan details for Healthy Paws
Trupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$44/mo est.Plan details for Trupanion

Estimates updated Sep 2026 · How we estimate

Questions about insuring a Toy Fox Terrier

What is the best pet insurance for a Toy Fox Terrier?

It depends on what you want to protect against. Lowest estimated price: Odie. Shortest illness waiting period: Lemonade, Embrace, Spot, Pets Best and Odie. Unlimited annual limit: Embrace, Spot, Pets Best, Trupanion and Healthy Paws. Compare quotes from two or three of them for your own dog.

How much is insurance for a Toy Fox Terrier?

About $27 to $46 a month in our model for a 2-year-old at 80% reimbursement and a $250 deductible, before state and age adjustments. See prices by state.

Is insurance worth it for a Toy Fox Terrier?

One patellar luxation bill can run $1,500 to $3,000, several years of premiums. The full math.

Sources

Toy Fox Terrier. VCA Animal Hospitals.
Patellar Luxation in Dogs. Embrace Pet Insurance, 2021.
Dog Legg Calve Perthes Disease. Embrace Pet Insurance, 2026.
Hypothyroidism. Embrace Pet Insurance, 2021.

How we choose and check sources: Sources we use.

Toy Fox Terrier insurance cost by state →