Pet Insurance for Irish Terriers

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

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 21st, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

Price range

$1,500 –$3,000


46cm - 48cm


11kg - 12.5kg


Bold, lively, intelligent

Coat length

Short, wiry

Exercise needs




Life expectancy

12 - 16 years

Irish Terrier


The Irish Terrier is best known for its fiery red coat and temperament to match. It is a fearless and courageous terrier related to the English and Scottish Terriers that were first bred for farm work and ratting. They also resemble the Wirehaired Fox Terrier, although they are longer and taller than that breed. They became very popular in the 1800s and had a reputation as excellent ratting dogs. 

Irish Terriers are medium-sized spirited dogs that have an outer wiry coat, and a soft inner smooth coat that keeps the dog warm in cold weather. They are known for their fearless and independent nature. They can make great watchdogs, as they are alert and always on the lookout. They are intelligent, but can be stubborn and difficult to train. They do not habitually get on well with other breeds of dogs, and tend to chase cats, but they make great companions for active individuals or families with older children who have the time to give them the exercise they require to stay mentally healthy and physically active. 

Common diseases and conditions of Irish Terrier

  • Hip Dysplasia: This is a common orthopaedic condition affecting the joint's development. It can lead to discomfort and mobility issues. 
  • Elbow Dysplasia: Another common orthopaedic condition that affects the elbow joints and can lead to lameness and mobility issues.  
  • Skin conditions: Some Irish Terriers may develop skin conditions, including allergies to grass seeds. Skin allergies can lead to itching, rashes, and discomfort. 

Breed-specific issues:  

The feisty nature of Irish Terriers may make them reserved around strangers, so early socialisation is important. They thrive on physical and mental challenges, but if they become bored or are left alone for too long, they can become problem barkers.

How much does pet insurance cost for an Irish 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 dog, which is why it's important to compare pet insurance policies. Factors affecting the cost of your insurance include: 

  • 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.
  • Gap-only insurance options: Some insurance companies offer a gap-only insurance option, which means when you go to the vet you'll only be required to pay the gap amount, not the cost of the whole bill. This is similar to the Medicare system of health insurance for humans in Australia, where gap payments can be made at HICAPS terminals at the time of treatment. 

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about Irish Terriers

 Do Irish Terriers require a lot of grooming?

Yes, the coat of an Irish Terrier does need plenty of grooming, including hand stripping to maintain the condition of the outer, wiry coat. Hand stripping is a grooming technique used primarily for breeds with wiry coats like Irish Terriers. It involves manually pulling out dead or loose hairs from the dog's coat using fingers or specialised stripping tools. This process helps maintain the coat's texture and colour while encouraging the growth of new hairs. 

How do I train an Irish Terrier effectively?

Irish Terriers are intelligent, but as they are independent, they don’t tend to listen. Positive reinforcement-based training methods work best. Consistency, firmness, and early socialisation are crucial to ensure an Irish Terrier grows to become a considerate adult dog who fits in with the family. Engaging them in obedience, agility, or other training activities can help them channel their energy positively. 

Are Irish Terriers known for barking excessively?

Yes, they can be very vocal dogs and do make excellent watchdogs. While they can be vocal, proper training can help curb their excessive barking tendencies. 

Are Irish Terriers good with children?

Irish Terriers are generally good with children when they are properly socialised and raised in a family environment. They are known for their loyal and protective nature, which can make them affectionate and playful companions for kids. However, it's essential to teach children how to interact respectfully with any dog and supervise their interactions, especially with younger children, as Irish Terriers can be quite energetic and spirited. 

Helpful guides on pet insurance

Pet owner holding dog paw

Pet Euthanasia Cost Australia

Saying goodbye to a cherished pet is never easy. Our guide offers insights into pet euthanasia costs and options, helping...

Pet Insurance Banner

What Does Pet Insurance Cover?

Are you wondering what pet insurance covers? Find out all about pet insurance and the cover it provides here with Savvy.   ...

Is pet insurance worth it

Is Pet Insurance Worth it?

Are you wondering about the cost of pet cover and wondering is pet insurance worth it? Find out all you...

Compare pet insurance policies with Savvy

Whether you're buying for your dog or cat and whether they're big or small, you can compare pet insurance policies tailored to your furry friend's needs from Savvy's panel of trusted Australian insurers. Grab a free, no-obligation quote today!
Irish Terrier

We'd love to chat, how can we help?

By clicking "Submit", you agree to be contacted by a Savvy Agency Owner and to receive communications from Savvy which you can unsubscribe from at any time. Read our Privacy Policy.