Pet Insurance for Russian Toys

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

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, updated on September 14th, 2023       

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Price range

$1,500 – $3,500






Lively, affectionate, alert

Coat length

Short, long

Exercise needs



Yes – especially with older children

Life expectancy

12–14 years

Russian Toy


The Russian Toy, a petite breed with a rich history, has its origins in Russia. It was initially developed in the 20th century as a companion for Russian aristocrats. This toy breed is divided into two varieties: the smooth coat, which has a sleek, short coat, and the long coat, which has soft, flowing fur. Despite their tiny stature, Russian Toys are sturdy and well-proportioned, exuding an elegant charm.

These delightful companions are cherished for their affectionate and lively nature. They form strong bonds with their owners and thrive on human interaction. With their small size, they are well-suited for apartment living, but they still benefit from regular exercise and playtime. Their adaptability makes them excellent pets for families, individuals and seniors alike. Additionally, their alert and intelligent disposition makes them quick learners.

Russian Toys excel as devoted and affectionate pets, offering companionship and joy to those who appreciate their endearing nature. Their adaptability to various living situations, combined with their intelligence, makes them a delightful addition to households across Australia.

Common diseases and conditions of Russian Toys

  • Patellar luxation: this is a condition where the kneecap dislocates from its normal position, causing discomfort and lameness. It’s a relatively common issue in small dog breeds like the Russian Toy.
  • Dental problems: due to their small size, Russian Toys can be prone to dental issues like tooth decay and gum disease. Regular dental care, including brushing and check-ups, is important for their oral health.
  • Legg-Calve-Perthes disease: this is a condition where the hip joint’s ball joint deteriorates, leading to pain and limping. It's more common in small breeds and can require surgical intervention.
  • Luxating trachea: this is a condition where the windpipe collapses, leading to breathing difficulties. It’s more common in small toy breeds and may require medical intervention.

Breed-specific issues:  

Due to their small size, Russian Toys are more delicate than larger breeds, requiring careful handling, especially around children. They are known for their strong attachment to their owners and may experience separation anxiety if left alone for extended periods. Early socialisation is crucial to ensure they are comfortable around strangers, as they can be reserved in unfamiliar situations. Russian Toys, like many small breeds, may be prone to excessive barking if not provided with appropriate mental and physical outlets. Additionally, they have a tendency to dig, so providing a designated area for this behaviour can be beneficial.

How much does pet insurance cost for a Russian Toy?

There are many factors that can influence the cost of pet insurance for your Russian Toy, including the following: 

  • Age: the older your dog is, the more pet insurance is likely to cost. This is because older 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 for dogs available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type 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 which 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 always 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 top-of-the-range cover. 
  • 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, while 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 Russian Toys

Are Russian Toys suitable for families with children?

Yes – Russian Toys can be suitable for households with children, but there are some considerations due to their small size. Given their delicate and tiny stature, it's crucial to supervise interactions between Russian Toys and young children to prevent accidental rough handling or injuries. Older, more responsible children who understand how to handle small dogs may be better companions for Russian Toys. Early socialisation and teaching children how to interact gently with the dog are essential steps in ensuring a harmonious relationship.

Do Russian Toys bark a lot?

Russian Toys, while not excessively vocal, can be alert and responsive to their surroundings. They may use barking as a means of alerting their owners to new or unusual stimuli. Through proper training and socialisation, any tendency towards excessive barking can be effectively managed.

Are Russian Toys suitable for apartment living?

Yes – Russian Toys are well-suited for apartment living owing to their small size and adaptable nature. However, it's important to note that despite their diminutive stature, they still require daily exercise and mental stimulation. Regular walks and playtime sessions are vital for their overall well-being, even in apartment settings.

Can Russian Toys be left alone?

No – Russian Toy dogs are known for their strong attachment to their owners and can experience separation anxiety if left alone for extended periods. While they can tolerate some alone time, it's important not to leave them alone for too long. They thrive on companionship and enjoy being part of family activities.

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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!
Russian Toy

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