Pet Insurance for Bull Terrier

Find out all about Bull Terriers and their common health conditions, and then compare pet insurance options from some of Australia’s leading insurers.

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, updated on September 15th, 2023       

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Price range



45cm - 56cm


22kg - 38kg


Playful, mischievous, affectionate

Coat length

Short, smooth

Exercise needs



Can be

Life expectancy

11 - 14 years

Bull Terrier


The Bull Terrier is a highly distinctive dog developed in England during the 1800s, originally used as a fighting dog. However, they gained in popularity and were soon known as a fashionable gentlemen's pet, with their fighting tendencies largely bred out of them. They are known for their distinctive egg-shaped head and strong, muscular build. They also come in a miniature version, but the Miniature Bull Terrier is considered a distinct separate breed, as is the Staffordshire Bull Terrier.  

These affectionate and loyal dogs have a short, sleek coat that requires minimal grooming. They are playful dogs which can often be comical and mischievous. They are highly intelligent but can be strong-willed, requiring early socialisation and consistent training if they are to make good family pets. They are great companions for active individuals or families who can provide them with the exercise and mental stimulation they need to stay happy and healthy. 

Common diseases and conditions of Bull Terriers

  • Skin Allergies: Skin allergies in Bull Terriers can be triggered by various factors, including environmental allergens and food sensitivities. Symptoms may include itching, redness, and skin irritation.
  • Deafness: White-coated Bull Terriers are prone to deafness and hearing issues, but this may be limited to one ear.
  • Luxating Patella: Luxating patella is a condition where the kneecap (patella) dislocates from its normal position. It can cause lameness and discomfort. Early detection and surgical intervention can help alleviate this issue.

Breed-specific issues:  

Their strong prey drive may lead them to chase smaller animals, so constant supervision around other pets is necessary. They do not tend to get on with cats or other male dogs of the same breed. They can turn destructive and chew and dig if not given sufficient mental stimulation. 

How much does pet insurance cost for a Bull Terrier?

Most Australians can expect to pay between $20 and $60 a month for pet insurance. There are many factors that can influence the cost of pet insurance for your Bull Terrier, including the following:

  • Age: The older your dog is, the more pet insurance is likely to cost. This is because senior dogs tend to have more physical health conditions and illnesses due to age, and so present a higher insurance risk.    
  • Type of insurance you choose:  There are three basic types of pet insurance available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type of insurance available, with comprehensive coverage costing the most.  
  • The policy annual limit: Each pet insurance policy has an annual limit, which is the maximum amount that will be paid out on the policy in one financial year. Annual limits range from around $10,000 up to $25,000 or more.   
  • Sub-limits: In addition to an annual limit, there may also be sub-limits that apply to the policy, for example, a $300 sub limit for consultation fees, or a $5,000 limit for cruciate ligament conditions.   
  • Benefit percentage: Pet insurance does not cover 100% of the cost of your vet bill. Instead, it may pay a percentage of the total bill. This can range from 50% for cheaper policies, up to 90% for the best policies available.   
  • Excess amount: This is the amount you’ll need to pay out-of-pocket each time you make a claim on your policy. Some pet insurance policies do not come with an excess amount, whilst others do.  
  • Any add-ons you choose: It’s possible to add on more cover options to a basic policy, such as emergency boarding fees, routine care and dental care. These add-ons extend the scope of your pet insurance, but do increase the overall cost of the policy.  
  • Discounts: some insurers offer discounts of between 5% and 15% if you have multiple pets insured together, if you pay your premium annually, or if you bundle your pet insurance with other forms of insurance with the same company.

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about Bull Terriers

Are Bull Terriers the same as Pit Bull Terriers?

No, Bull Terriers and Pit Bull Terriers are not the same breed. While they share some physical characteristics, such as a muscular build and short coat, they have distinct breed histories, origins, and characteristics. Bull Terriers are known for their distinctive egg-shaped heads and playful personalities, while Pit Bull Terriers are a group of aggressive breeds that include American Pit Bull Terriers and others. Pit Bulls do not have the distinctive egg-shaped head.  

Are Bull Terriers aggressive?

No, Bull Terriers are not inherently aggressive, but like all dogs, their behaviour depends on various factors, including their heritage, upbringing, training, and socialisation as a puppy. Properly socialised and trained, Bull Terriers can be friendly, affectionate, and good companions.  

Do Bull Terriers bark a lot?

Yes, Bull Terriers are known for being vocal dogs, but the extent to which they bark can vary among individuals. They may bark to communicate, alert their owners, or express excitement. Providing mental stimulation, exercise, and positive training can help manage their barking tendencies. 

Are Bull Terriers safe to have around children?

Most medium to large dogs should never be trusted alone with young children or babies. However, Bull Terriers can be good family dogs when raised and socialised appropriately. They are often affectionate and protective of their families. Like any breed, supervision and training are crucial when they interact with children. Early exposure to children and positive experiences can help Bull Terriers develop a gentle and well-mannered demeanour around kids. 

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Bull Terrier

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