🐾
FurrFind
Breeds›Toy Fox Terrier
🐕

Best Pet Insurance for Toy Fox Terriers

small breed13–15 years lifespan~$750/yr vet costs

The Toy Fox Terrier is a made-in-America breed developed in the early 20th century by crossing Smooth Fox Terriers with various toy breeds to produce a smaller companion version of the classic working terrier. Despite their diminutive size (3.5–7 lbs), Toy Fox Terriers are alert, athletic, and have full terrier personality — confident, curious, and energetic. They excel in agility, obedience, and as hearing assistance dogs. TFTs are exceptionally trainable for a toy breed and are among the most intelligent small dogs recognized by the AKC. Their short coat is virtually maintenance-free. Long-lived and spirited, they are excellent companions for active owners who appreciate the terrier spirit in a very small package.

Best Pet Insurance for Toy Fox Terriers (Ranked)

🏆
EmbraceBest match for Toy Fox Terriers
97
/ 100
★★★★★
4.7(18,420 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more

Score Breakdown

Condition Coverage
40% weight100
Price & Value
25% weight100
No Breed Exclusions
20% weight100
Customer Rating
15% weight80
Overall Score97 / 100
Visit EmbraceFull Review
#2
97
/ 100
★★★★★
4.7(39,800 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit Healthy PawsFull Review
#3
95
/ 100
★★★★★
4.5(22,100 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit LemonadeFull Review
See All 31 Providers Ranked for Toy Fox Terriers →

Toy Fox Terrier Health Risks & Conditions

Understanding your Toy Fox Terrier's specific health risks helps you choose the right coverage.

Patellar Luxation

moderate risk

Patellar luxation is the most common orthopedic condition in Toy Fox Terriers. Their tiny, active frames are vulnerable to kneecap dislocation — the patella slides out of its groove causing intermittent hopping lameness. Grade I–II luxation is managed conservatively; grades III–IV require surgical correction ($800–$3,000 per knee). Bilateral cases are common in toy breeds. The breed's 13–15 year lifespan makes early surgical correction of severe cases a sound investment in decades of comfortable mobility.

Treatment cost:$800–$4,000

Legg-Calvé-Perthes Disease

moderate risk

LCP disease is a vascular condition affecting young small dogs (5–8 months) in which blood supply to the femoral head is disrupted, causing bone deterioration and hip pain. Toy Fox Terriers are among the toy breeds with documented LCP incidence. Surgical treatment — FHO (femoral head and neck excision, $800–$3,000) — produces excellent outcomes in small dogs through fibrocartilage replacement. With physical rehabilitation, most dogs achieve full pain-free function. Early diagnosis is key.

Treatment cost:$800–$3,000

Von Willebrand's Disease

low risk

Von Willebrand's disease (vWD) — a hereditary bleeding disorder caused by deficiency of von Willebrand factor — occurs in Toy Fox Terriers. Affected dogs have prolonged bleeding after surgery, injury, or dental procedures. DNA testing ($65–$150) identifies affected and carrier dogs before breeding. Surgery for vWD-affected dogs requires special preparation including desmopressin treatment or fresh frozen plasma transfusions ($500–$2,000) to control bleeding. Owners and veterinarians must be informed of the dog's vWD status before any procedure.

Treatment cost:$100–$3,000

Congenital Hypothyroidism with Goiter (CHG)

low risk

CHG is a rare autosomal recessive condition uniquely documented in Toy Fox Terriers. Affected puppies are born with abnormal thyroid development, leading to stunted growth, coarse coat, lethargy, and sometimes a visible goiter (enlarged thyroid) on the neck. DNA testing ($65–$150) identifies carriers. Treatment with thyroid hormone supplementation ($20–$50/month) can improve quality of life. Responsible breeding programs test parent dogs to eliminate carrier-to-carrier pairings.

Treatment cost:$200–$1,500

Dental Disease

high risk

Like all toy breeds, Toy Fox Terriers are highly prone to periodontal disease due to crowded teeth in small jaws. Professional dental cleanings under anesthesia ($300–$700) are required every 1–2 years. Advanced disease requires extractions ($200–$600 additional). Systemic spread of periodontal bacteria affects the heart, kidneys, and liver over time. Daily tooth brushing is the most effective prevention. Starting brushing habituation as a puppy significantly improves adult compliance.

Treatment cost:$300–$1,500

What to Look for in Toy Fox Terrier Pet Insurance

Toy Fox Terriers are long-lived, active small dogs with moderate orthopedic risk and unique breed-specific conditions (CHG, vWD) that warrant hereditary condition coverage. Their 13–15 year lifespan means cumulative dental and orthopedic costs add up significantly. Look for: (1) Hereditary orthopedic coverage (patellar luxation, LCP disease); (2) Coverage for bleeding disorders (vWD) that affect surgical costs; (3) Chronic condition coverage for thyroid management; (4) Dental illness coverage. Embrace and Fetch both provide strong hereditary condition coverage.

Toy Fox Terrier Quick Stats

📅
13–15 years
Life expectancy
💰
$750/yr
Avg vet costs
📊
#111
Most popular
⚠️
5
Key health risks

Common Toy Fox Terrier Health Conditions

⚠️ patellar luxation⚠️ Legg-Calvé-Perthes disease⚠️ von Willebrand's disease⚠️ congenital hypothyroidism with goiter (CHG)⚠️ dental disease

All Providers Ranked for Toy Fox Terriers

#4
95
/ 100
★★★★★
4.5(31,200 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit Pets BestFull Review
#5
95
/ 100
★★★★★
4.5(11,300 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit FetchFull Review
#6
95
/ 100
★★★★★
4.5(7,400 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$30–$100
Annual limitUp to Unlimited
Reimbursement80%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit PumpkinFull Review
#7
94
/ 100
★★★★★
4.4(9,800 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit SpotFull Review
#8
94
/ 100
★★★★★
4.4(14,600 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$30–$120
Annual limitUp to Unlimited
Reimbursement90%
Waiting period5 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit TrupanionFull Review
#9
94
/ 100
★★★★★
4.4(15,800 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period0 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit MetLifeFull Review
#10
93
/ 100
★★★★★
4.3(25,600 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit ASPCAFull Review
#11
93
/ 100
★★★★★
4.3(9,600 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✓Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%, 100%
Waiting period1 day (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit FigoFull Review
#12
93
/ 100
★★★★★
4.3(3,100 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit AnimaliaFull Review
#13
92
/ 100
★★★★★
4.2(2,400 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit KanguroFull Review
#14
92
/ 100
★★★★★
4.2(3,600 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit Physicians MutualFull Review
#15
91
/ 100
★★★★★
4.1(12,900 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$100
Annual limitUnlimited (whole pet)
Reimbursement50%, 70%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit NationwideFull Review
#16
91
/ 100
★★★★★
4.1(4,200 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit OdieFull Review
#17
91
/ 100
★★★★★
4.1(3,800 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit Prudent PetFull Review
#18
91
/ 100
★★★★★
4.1(3,200 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$16–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit TotoFull Review
#19
90
/ 100
★★★★★
4(8,200 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit AKCFull Review
#20
90
/ 100
★★★★★
4(5,600 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit CarePlusFull Review
#21
90
/ 100
★★★★★
4(6,800 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit PetPartnersFull Review
#22
90
/ 100
★★★★★
4(2,900 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit TrustedPalsFull Review
#23
90
/ 100
★★★★★
4(5,800 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement100%
Waiting period3 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit WagmoFull Review
#24
89
/ 100
★★★★★
3.9(1,800 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit DoggoFull Review
#25
89
/ 100
★★★★★
3.9(4,500 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit PetPremiumFull Review
#26
88
/ 100
★★★★★
3.8(900 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$55
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit PawdarlingFull Review
#27
87
/ 100
★★★★★
3.7(4,100 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit HartvilleFull Review
#28
87
/ 100
★★★★★
3.7(1,200 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$45
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit NibblesFull Review
#29
85
/ 100
★★★★★
3.6(4,800 reviews)

Excellent match for Toy Fox Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

patellar luxationLegg-Calvé-Perthes diseasevon Willebrand's diseasecongenital hypothyroidism with goiter (CHG)+1 more
Visit 24PetprotectFull Review
#30
48
/ 100
★★★★★
3.8(1,100 reviews)

Consider alternatives with stronger hereditary condition coverage for Toy Fox Terriers.

✗Hereditary
✗Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$8–$35
Annual limit$5,000
Reimbursement80%, 90%
Waiting period0 days (accident)
Visit SpokkFull Review
#31
44
/ 100
★★★★★
3.8(2,200 reviews)

Consider alternatives with stronger hereditary condition coverage for Toy Fox Terriers.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✗No Exclusions
Monthly cost$10–$45
Annual limit$7,000
Reimbursement90%
Waiting period0 days (accident)

Covers your breed's key risks:

congenital hypothyroidism with goiter (CHG)
Not covered: patellar luxationNot covered: Legg-Calvé-Perthes disease
Visit Companion ProtectFull Review

Related Breeds

🐕
French Bulldog
🐕
Labrador Retriever
🐕
Golden Retriever
🐕
German Shepherd