Best Rat Terrier Pet Insurance of 2024

  • Up to 90% cash back on eligible vet bills

  • Visit any vet in the U.S. or Canada

  • 10% multi-pet discount for added pets

Common Rat Terrier Health Conditions

Rat Terriers make exceptional pets due to their winning combination of intelligence, affection, and energetic nature. With their playful disposition, they provide endless entertainment and companionship. Rat Terriers are known for their loyalty and devotion to their families, forming strong bonds with both adults and children. Their small to medium size is ideal for various living spaces, and their low-maintenance grooming needs make them an easy choice for busy pet parents. Pet parents of a Rat Terrier should be aware that the breed can be prone to developing certain health conditions.

Common health conditions may include:

Health Condition


Potential Cost of Treatment

Patellar Luxation


$1,500 - $3,000

Dental Disease


$400 - $800

Mitral Valve Disease


$300 - $800



$500 - $2,500

Why Get Your Rat Terrier Pet Insurance?

Rat Terriers undeniably make wonderful pets, known for their vibrant personalities and loyalty. However, like many dog breeds, they can be susceptible to specific health conditions, such as hip dysplasia and epilepsy. This is why responsible pet parents should consider enrolling them in a pet insurance plan. With Spot pet insurance plans, pet parents can get up to 90% cash back on eligible vet bills, which can offer peace of mind when faced with unexpected vet bills. It's a practical and caring step to safeguard their well-being and help ensure they can receive treatment if needed. Learn more about what pet insurance covers and common misconceptions about pet insurance.


Patellar Luxation

Patellar luxation is a condition where the kneecap (patella) dislocates from its normal position, causing discomfort and mobility issues. Signs and symptoms to watch for in Rat Terriers with patellar luxation can include limping, intermittent lameness, difficulty extending or flexing the affected leg, and an audible popping or clicking sound when the kneecap moves out of place. In severe cases, it can lead to chronic pain and arthritis. If you notice these signs, consult a veterinarian for a proper diagnosis and discuss treatment options, which may include surgery to correct the condition.

Potential Cost of Treatment: $3,000

Spot plans reimburse up to: $2,7005

Rat Terriers undoubtedly make wonderful pets with their lively personalities and loyalty. However, like many breeds, they can be prone to certain health conditions. To help ensure their well-being and mitigate potential financial burdens, responsible pet parents should consider enrolling them in a pet insurance plan. Spot plans offer up to 90% cash back on eligible veterinary bills, helping provide both peace of mind and the means to get the best care. This coverage can help pet parents to make decisions based on their pet's health rather than financial constraints, helping ensure that their beloved Rat Terrier can receive the attention and treatment they need.

Enroll your pet in the best pet insurance for Rat Terriers today!

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5Hypothetical reimbursement example illustrates reimbursement of an eligible vet bill at a 90% reimbursement rate, assuming that the annual deductible has already been met and the annual limit has not yet been satisfied. Coverage and reimbursements vary based on individual plan options.