Best Pet Insurance For Bulldogs 2024: Worth The Cost?

best pet insurance for bulldogs

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This content was reviewed and fact-checked by veterinarian Dr. Sandra Tashkovska, DVM.

If you have a bulldog, the chances are that healthcare costs will be higher than the average dog owner. Bulldogs tend to have more health issues and can develop chronic conditions that require ongoing care. While they’re certainly a lovable breed, Bulldogs come with their health risks, which can lead to steep vet bills for owners. Today, you will learn breed-specific reasons why Bulldogs should have pet insurance, health issues predisposition, accident probability, and other critical research data that make pet insurance a worthwhile investment. Finding a policy that covers all your dog’s medical needs and expenses is also essential. If you’re overwhelmed by all the choices, we have narrowed your options with reviews of three top pet insurance companies offering the best coverage for adult and puppy Bulldogs. Let’s get started!

Why you should trust us: Our writers, editors, and in-house veterinarians spend hours analyzing and reviewing products and services to help find what’s best for you. Read the product review methodology and editorial mission to find out how we test, analyze, and rate.

Best Bulldog Pet Insurance — At A Glance

What Is Bulldog Pet Insurance?

Bulldog pet insurance is a healthcare policy that provides coverage for your pet, offering reimbursement for specific veterinary expenses. This ensures that your savings remain secure despite unforeseen medical costs. Such a policy involves a monthly premium. Should your pet fall ill or sustain an injury, you would file a claim with the insurance company to recoup your expenses.

The monthly premium for Bulldogs pet insurance

$48 to $133

How Much Does Pet Insurance Cost For Bulldogs?

The cost of pet insurance for a Bulldog dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s important to remember that with the progression of veterinary technology and increased claims within your locality, your insurance premiums may rise. For example, even if your Bulldog is quoted at $55 per month, this rate is not fixed and could change.

According to our research, plans for Bulldogs can range from $48 to $133. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Bulldog owners can expect to pay an average $90 monthly premium.

Pet Insurance Quotes For Bulldogs

We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Bulldogs.

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Lemonade$50070%$100,000$67.92SC, 29044MaleBulldog6 years
Spot$50070%Unlimited$91.00SC, 29044MaleBulldog6 years
Healthy Paws$50070%Unlimited$132.90SC, 29044MaleBulldog6 years
Lemonade$50070%$100,000$51.25CA, 95842FemaleBulldog2 year
Spot$50070%Unlimited$91.98CA, 95842FemaleBulldog2 year
Healthy Paws$50070%Unlimited$108.71CA, 95842FemaleBulldog2 year
Lemonade$50070%$100,000$48.24TX, 75219FemaleBulldog6 months
Spot$50070%Unlimited$98.44TX, 75219FemaleBulldog6 months
Healthy Paws$50070%Unlimited$117.70TX, 75219FemaleBulldog6 months

Bulldog puppy monthly cost: $88

Adult Bulldog monthly cost: $84

Senior Bulldog monthly cost: $97

Is Pet Insurance For Bulldogs Worth it?

The decision to purchase pet insurance for your Bulldog hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.

Consider a scenario where your Bulldog falls seriously ill or suffers an injury from an accident, incurring veterinary bills in the thousands. On average, the most common dog treatments cost $254.[1] A more severe and common condition in Bulldogs, like hip dysplasia, can cost between $3,500 and $7,000 to diagnose and treat. Can you pay for an unexpected $ 7,000 out-of-pocket veterinarian bill? Most people can’t. The Federal Reserve states that 40% of Americans don’t have enough savings to cover a $400 emergency and 57% of U.S. adults cannot afford a $1,000 emergency expense.[2]

Investing in pet insurance for your Bulldog is a wise choice to protect your finances and ensure your dog can receive the necessary care. With pet insurance, should an unexpected accident or illness occur, you could be reimbursed for 70% to 100% of the veterinary costs, depending on the details of your plan and provider. Pet insurance gives peace of mind, knowing your finances and pet’s health are covered.

Predict & Protect Your Bulldog’s Future Health

Canine Bible uses years of clinical health findings, pet insurance data points, trends, and surveys to identify common health conditions in dogs. By gaining insight into your Bulldog’s potential future health issues and risks, you can take preventive action today and ensure that your Bulldog does not become a part of these statistics.

1 in 3

dogs will need emergency veterinary treatment every year.

$250 to $8K

is the average cost of unexpected veterinary care for dogs.[3]

12.7%

of Bulldogs experience ear infections & 8.8% skin infections.[4]

71%

of Bulldogs are affected by elbow and hip dysplasia.[5]

Unfortunately, Bulldogs are among the world’s unhealthiest dog breeds primarily due to inbreeding for extreme brachycephaly, chondrodysplasia, skin folding, and child-like appearance.[6] As a flat-faced breed, Bulldogs often suffer from Brachycephalic Obstructed Airway Syndrome (BOAS). BOAS is no small matter, as it directly reduces the average lifespan of affected breeds. Research shows that the average lifespan of brachycephalic dogs is three years shorter than other breeds of similar size.[7]

If you know your dog’s breed is predisposed to certain health issues, we strongly advise getting a pet insurance policy while your dog is still healthy. Chronic health conditions, emergencies, and vet visits can increase costs throughout your Bulldog’s life. Pet Insurance can spare you a lot of financial trouble.

Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life.

Most Common Health Conditions In Bulldogs

Cost to treat hip dysplasia

Hip dysplasia involves abnormal development of the hip joint, leading to looseness and instability. This genetic disorder is exacerbated by rapid growth, obesity, and environmental factors. Symptoms include limping, difficulty in movement, and arthritis.

  • Cost: $4,500
  • Pet insurance pays back up to: $4,050*
  • Risk profile: Medium

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat elbow dysplasia

A common issue in large breeds, elbow dysplasia in Bulldogs stems from abnormal development of the elbow joint, leading to joint laxity, pain, and lameness. Genetics play a significant role, and it can be exacerbated by rapid growth during puppyhood or improper nutrition.

  • Cost: $3,000
  • Pet insurance pays back up to: $2,700*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat elongated soft palate

The Elongated Soft Palate condition in Bulldogs involves an abnormally long palate obstructing the airway, leading to snoring, gagging, and respiratory challenges.

  • Cost: $1,500
  • Pet insurance pays back up to: $1,350*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat stenotic nares

Stenotic Nares in Bulldogs refers to congenitally narrow nostrils, restricting airflow and causing breathing difficulties, particularly during exercise or in hot climates.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat aortic stenosis

Aortic stenosis in Bulldogs is a heart condition where the aortic valve narrows, hindering blood flow from the heart. It can cause fatigue, fainting, and heart murmurs.

  • Cost: $4,000
  • Pet insurance pays back up to: $3,600*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat BOAS

Bulldogs, with their flat faces and short nasal passages, are often affected by Brachycephalic Obstructive Airway Syndrome (BOAS). It leads to breathing difficulties, snoring, and reduced exercise tolerance. This anatomical abnormality trait can also exacerbate other health problems.

  • Cost: $1,500
  • Pet insurance pays back up to: $1,350*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat entropion

Entropion in Bulldogs is a condition where the eyelid rolls inward, causing eyelashes to rub against the cornea. This results in discomfort, tearing, and potential corneal damage. It’s often inherited, though can also arise from eyelid injuries or muscular spasms. Treatment typically involves surgical correction.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat patellar luxation

Patellar luxation in Bulldogs involves the dislocation of the kneecap from its normal position. This condition, often genetic, can cause lameness or an abnormal gait. Factors like trauma or congenital defects contribute to its development. Severity varies, potentially leading to arthritis or reduced mobility in affected dogs.

  • Cost: $2,500
  • Pet insurance pays back up to: $2,250*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat distichiasis and ectopic cilia

Distichiasis and ectopic cilia in Bulldogs involve abnormal eyelash growth, with hairs emerging from unusual locations on the eyelid. This can cause discomfort, eye irritation, and potential damage to the cornea. Often hereditary, these conditions can lead to chronic eye problems if not treated promptly.

  • Cost: $1,750
  • Pet insurance pays back up to: $1,575*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat cherry eye

This occurs when the gland of the third eyelid prolapses, creating a reddish mass in the corner of the eye. Bulldogs are predisposed due to their unique facial structure. While usually painless, it can cause issues if left untreated.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat keratoconjunctivitis sicca

Keratoconjunctivitis Sicca (KCS) in Bulldogs results from inadequate tear production, leading to eye dryness, irritation, and potential vision problems. It’s often treated with eye drops or surgery.

  • Cost: $50 per month
  • Pet insurance pays back up to: $45*
  • Risk profile: Medium

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat ventricular septal defect

Ventricular Septal Defect (VSD) is a congenital heart anomaly in Bulldogs, characterized by a hole in the heart’s ventricular septum, causing abnormal blood flow and potentially leading to heart failure.

  • Cost: $10,000
  • Pet insurance pays back up to: $9,000*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat internalized tail

Bulldogs often suffer from an Internalized Tail, a genetic issue where the tail grows inward, causing pain, skin infections, and difficulty in cleaning the area.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat urethral prolapse

Urethral Prolapse in Bulldogs is characterized by the protrusion of the urethral lining, causing urinary difficulties and visible discomfort and often requiring surgical correction.

  • Cost: $1,600
  • Pet insurance pays back up to: $1,440*
  • Risk profile: Medium

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Why Get Pet Insurance For Bulldogs?

Benefits For Bulldogs

  • Access to better care and health outcomes due to financial barriers removed
  • Cover hereditary conditions and get better breed-specific care
  • Prompt access to medical treatments
  • Ongoing access to healthcare and emergency care
  • Preventive care options
  • Facilitates treatment from specialists

Benefits For Owners

  • Decreases the likelihood of economic euthanasia when the cost is a limiting factor for treatment
  • Reduces unexpected veterinary costs
  • Financial peace of mind
  • Cover third-party liabilities
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet

How to Pick The Best Bulldog Pet Insurance

Pick a type of pet InsuranceWhile the most popular type of pet insurance includes accident and illness coverage, an accident-only policy might be your only choice if your pet is ineligible for it or is beyond your budget. Additionally, if you’re interested in lowering the costs of routine preventative care, seek an insurance provider that also offers wellness coverage.
Check whether your pet is eligibleMost insurance companies mandate that pets be at least 6 to 10 weeks old for eligibility. Conversely, enrolling older pets for the first time may lead to limitations, with some companies offering only accident coverage. Nonetheless, once enrolled, most plans cover your pet for life, provided you continue to pay the premiums.
Pre-existing conditionsMost pet insurance policies do not cover pre-existing conditions unless deemed curable. Some insurers may provide coverage if the pet’s condition is curable and has not required treatment for a specified period, like the past 12 months.
Review cost versus benefitsGet quotes from multiple insurers for your Bulldog to compare monthly premiums. Consider the value of each plan by weighing the cost against the benefits provided.
Breed-specific needs and coverageConsider your Bulldog’s age, current health status, and any potential hereditary conditions common in the breed, and pick your plan accordingly.
Compare insurance providersGet quotes from multiple insurers for your Bulldog to compare monthly premiums. Research and list reputable pet insurance providers that offer plans for Bulldogs.
Check the fine print and exclusion policyRead the terms and conditions to understand the policy’s limitations and exclusions. Some insurers may also refuse to cover common conditions associated with certain breeds. 
Check waiting periodsTypically, pet insurance coverage kicks in after 14 days of signing up. Any treatments your pet receives won’t be covered during this waiting period. However, some plans impose longer waiting periods for certain conditions.
Choose a deductible and reimbursement levelModifying your deductible and reimbursement levels allows you to either raise or lower your monthly premium. Opting for a higher deductible can reduce your premium but might lead to higher costs during vet visits. The ideal balance depends on whether you prefer paying more over time and less during a claim or vice versa.
Sign up as early as possibleThe earlier you sign your pet insurance, the lower the monthly premiums because younger pets are typically healthier and less likely to require extensive veterinary care, which translates to lower risk for the insurance company. Also, some pet insurance plans lock in the premium rate based on the pet’s age at enrollment.
Look for additional perks and discountsSome pet insurers offer multi-pet discounts, loyalty benefits, discounts for microchipped pets, alternative therapy coverage and travel insurance.

Best Pet Insurance For Bulldog

1. Best Overall Bulldog Pet Insurance

4.8

Lemonade

Who It’s For: Excellent for Bulldog parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.

  • Deductible: $100, $250, $500 or $750
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: $5,000, $10,000, $20,000, $50,000 or $100,000

Why we picked and recommended it: We named Lemonade our best overall pet insurance for Bulldogs for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums usually start at just $10 monthly, the lowest in the industry. We ran a few quotes for a healthy Bulldog at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $48 and $68 monthly. We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more. They also offer several add-ons to help pet owners pay for exam fees, physical therapy, and preventive care.

2. Best Personalized Bulldog Pet Insurance

4.9

Spot Insurance

Who It’s For: Spot Pet Insurance is ideal for Bulldog dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.

  • Deductible: $100, $250, $500, $750 or $1,000
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: $2,500 to Unlimited

Why we picked and recommended it: Spot Pet Insurance offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Bulldog gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company is our top pick for finding a plan for meeting your specific financial needs and those of your pet. Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage. We ran a few quotes for a healthy Bulldog at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $91 and $98, but prices may vary depending on your location, Bulldog’s age, and other factors. Spot covers you when your Bulldog gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.

3. Best No-Cap Payout Bulldog Pet Insurance

4.9

Healthy Paws

Who It’s For: With no financial cap, it’s ideal for covering major medical or ongoing expenses such as chronic conditions. Beneficial for high-risk breeds such as Bulldog.

  • Deductible: $100, $250 or $500
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: Unlimited

Why we picked and recommended it: Healthy Paws offers the benefit of no cap payout, meaning there’s no maximum limit on the amount they will pay, which is particularly advantageous for severe conditions or chronic diseases that require ongoing, expensive treatments. With no financial cap, you can choose the best treatments for your pet. This can include access to advanced medical procedures, specialized surgeries, or cutting-edge treatments that might otherwise be prohibitively expensive. Additionally, Healthy Paws stands out for its quick claim processing, typically paying 99% of claims in two days, notably faster than many competitors. We ran a quote for a healthy Bulldog at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $108 and $133. Healthy Paws insurance plans cover accidents and illnesses, cancer, emergency care, genetic conditions, alternative care, etc. They have competitive premium prices and fewer coverage exclusions.

Types of Pet Insurance Coverage For Bulldogs

There are two main types of pet insurance plans.

It covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Bulldog was hit by a car. Accident-only plans are typically more affordable than accident and illness policies. This can be a reasonable option for a pet with many pre-existing conditions.

Common items covered by this plan include: broken bones, torn ligaments, bite wounds, poisoning, injuries, emergencies, eye injuries, snake bites and toxic food ingestion.

These policies are the most popular because they cover accidents and illnesses, including unexpected medical expenses. Because no provider covers pre-existing conditions, signing your pet up for coverage as early as possible is crucial.

Common items covered by this plan include: Accidents plus illnesses such as obesity, UTIs, cancer, hypothyroidism, digestive issues, IVDD, vomiting and diarrhea, arthritis and parasites.

Some companies also offer a wellness plan (aka preventative care) during enrollment. This commonly covers routine vet expenses but varies by provider. It’s typically available as an add-on to an accident-only or accident-and-illness policy, but some companies allow you to purchase it without an insurance policy. This add-on coverage isn’t technically an insurance product.

Common items covered by this plan include: Flea, ticket and worm treatments, rabies, microchipping, de-working, teeth cleaning, routine tests, annual exams, spay and neuter and urine analysis.

What Does Pet Insurance Not Cover?

When choosing pet insurance for your Bulldog, reviewing and understanding your policy’s exclusions is important.

Exclusions vary based on the pet insurance company and the policy you choose. Be sure to review the list of exclusions before purchasing pet insurance to confirm that your Bulldog is adequately covered by the plan you select and help prevent surprises in the future.

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Cosmetic procedures
  • Boarding and transportation

Pet Insurance For Bulldog Puppies

Should you get pet insurance for your Bulldog puppy? Here are the top reasons you should consider Bulldog puppy insurance.

Enrolling your pet at a younger age, when they are healthy and less likely to have developed any health issues, means there’s a lower risk for pet insurance companies, which usually means lower premiums.

Because Bulldogs are predisposed to certain health issues, it’s wise to insure your Bulldog puppy before any symptoms or diagnoses occur. Most pet insurance providers don’t cover pre-existing conditions. However, if your insured puppy develops a condition later, like cancer, allergies, or diabetes, your policy will likely cover its treatment and ongoing expenses.

Bulldog puppies are curious and often get into mischief, increasing their risk of accidents and infections from bacteria or viruses.

Raising a puppy comes with various expenses, including vet bills. On average, 81% of pet parents spend up to $500 on veterinary visits during their puppy’s first year. Additionally, the ASPCA notes that the upfront costs of first-year pet ownership can exceed $1,000, including expenses for toys, food, and medical care.

Average Cost of Bulldog Vet Bills

This is what you will pay out-of-pocket on average if you don’t have pet insurance or a wellness plan.

Average Cost of Typical Vet Procedures

Typical Vet ProcedureAverage Cost of Procedure
Puppy vaccinations$75 - $100
Flea & tick prevention$40 - $200
Heartworm prevention$24 - $120
Spay or neuter surgery$200 - $800
Annual exam$240 - $600
Teeth cleaning$200 - $500
Microchip$40

Average Cost of Emergency Vet Procedures 

Typical Vet ProcedureAverage Cost Of Procedure
General consultation/exam$100 - $150
General bloodwork$80 - $200
X-rays$150 - $250
Ultrasound$300 - $600
1-2 day hospitalization$600 - $1,700
3-5 days holspitalization$1,500 - $3,500
Wound treatment & repair$800 - $1,500
Emergency surgery$800 - $2,500
Oxygen therapy500

Sources: 5 & 6

Factors That Impact the Cost of Your Bulldog Pet Insurance Policy

Understand Insurance Policy Basics

  • Premium. The amount you pay monthly or annually for your pet insurance policy.
  • Deductible. The money you need to pay out-of-pocket for veterinary expenses before your policy begins to reimburse you. This is typically reset each policy period (annually). However, some pet insurance providers have per-incident deductibles, which you must pay for every new condition your dog suffers before receiving any reimbursement for that incident. Annual vs. per-incident deductibles can impact the amount you’re expected to pay, so read the policy before committing to a company.
  • Reimbursement rate. The percentage of the vet bill the insurance company will pay after you meet your deductible. The most popular reimbursement options are 70%, 80%, and 90%. However, some companies provide different or limited options depending on the dog’s age or location.
  • Annual payout limit. The maximum amount the insurance company will pay in medical bills per year. Having lower payout limits could result in you covering more of the expenses if your pet requires costly veterinary care.
  • Co-pay (co-insurance). The portion of the veterinary bill you must pay after your deductible is met, before reimbursements. In broader health insurance contexts, a “co-pay” often refers to a fixed amount (for example, $20 per doctor’s visit), regardless of the total bill, whereas “co-insurance” is typically a percentage of the total cost.

How Does Bulldog Pet Insurance Work?

Imagine your Bulldog’s pet insurance policy has the following terms:

  • Annual deductible: $250
  • Reimbursement rate: 80%
  • Annual payout limit: $20,000
  • Co-insurance: 20%

Now, let’s say your Bulldog incurs a veterinary bill of $1,500 for medical treatment.

  • Paying the deductible: The first step is to pay your deductible, which, in this case, is $250.
  • Applying co-insurance: After the deductible, there’s $1,250 left ($1,500 – $250). The co-insurance of 20% applies to this amount. This means you are responsible for 20% of $1,250, which equals $250.
  • Insurance pays the rest: The insurance will cover 80% of the post-deductible amount. So, the insurance pays 80% of $1,250, which is $1,000.
  • Total out-of-pocket cost: Adding up your deductible and co-insurance payments gives you your total out-of-pocket cost: $250 (deductible) + $250 (co-insurance) = $500.

This example assumes you haven’t yet met your deductible for the year. If you’ve already met your annual deductible, you won’t have to pay again for this or any new claims within the same policy year. And, since every claim you make contributes to your annual payout limit after the insurance company pays $1,000 for this claim, the remaining yearly payout limit is $20,000 – $1,000 = $19,000.

Frequently Asked Question

Pet insurance for a Bulldog puppy starts at $88 on average.

To save money on pet insurance for your Bulldog, consider paying your premiums annually instead of monthly. This is because many insurance companies charge additional transaction fees for monthly payments, which can be reduced or eliminated with annual payments. Additionally, if you have multiple pets, look for insurers that offer multi-pet discounts. This can lead to up to 10% savings on each pet’s insurance over their lifetime. However, it’s important to note that some companies only apply these discounts to additional pets, not the first one, so check this detail before signing up for a new policy.

Ideally, as early as possible, typically 6-10 weeks old, to ensure coverage for breed-specific conditions.

Bulldogs are prone to certain breed-specific health issues like skin issues, BOAS, and eye problems, which pet insurance can cover more effectively and take out the financial burden of covering all the costs yourself.

Older Bulldog can get insurance but options may be limited, and premiums higher due to the increased risk of health issues.

Typically, you pay the vet bill upfront, submit a claim form to the insurance company, and get reimbursed as per your policy.

Bulldog Pet Insurance — Conclusion

Ultimately, your Bulldog’s health is in your hands. To ensure your dog’s safety while protecting your wallet, investing in pet insurance is something we recommend to every dog parent. For a relatively low monthly premium, you’ll enjoy the peace of mind that comes with knowing your Bulldog can receive the veterinary care he deserves. In an emergency, you’ll be happy to have a policy in place. Investing in pet insurance is one way to manage some of your Bulldog’s potential health issues—without breaking the bank when one or multiple of these issues occur in your pet.

Our final advice is that if you decide to get pet insurance, read the policy carefully and ensure you understand the terms and conditions before purchasing. Everyone’s circumstances differ, so choosing the best coverage for your Bulldog’s needs is essential.


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Disclaimer: The details about insurance company offerings, including prices, availability, and contract specifics, can change at any time and are at the discretion of the insurance company. This website does not control these changes. The information provided here is for reference only. It is important to thoroughly read and understand your policy before signing up for a new insurance contract, as your situation may differ from the examples used in this article.

Sources

Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process and product review methodology to learn more about how we fact-check, test products, and keep our content accurate, reliable, and trustworthy.

  1. Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
  2. Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
  3. Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
  4. O’Neill, D. G., Skipper, A. M., Kadhim, J., Church, D. B., Brodbelt, D. C., & Packer, R. M. A. (2019). Disorders of Bulldogs under primary veterinary care in the UK in 2013PLOS ONE14(6), e0217928.
  5. The Canine Health Information Center. (n.d.). OFA.
  6. Pedersen, N. C., Pooch, A. S., & Liu, H. (2016). A genetic assessment of the English bulldogCanine Genetics and Epidemiology3(1).
  7. Liu, N.-C., Troconis, E. L., Kalmar, L., Price, D. J., Wright, H. E., Adams, V. J., Sargan, D. R., & Ladlow, J. F. (2017). Conformational risk factors of brachycephalic obstructive airway syndrome (BOAS) in pugs, French bulldogs, and bulldogsPLOS ONE12(8), e0181928.
  8. Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
  9. Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
Editorial Team at Canine Bible

Canine Bible authorship represents the unified voice of our entire editorial team and our in-house veterinarians rather than a single author. Each article, blog post, and review published under the Canine Bible name undergoes a rigorous review process, involving all team members to guarantee accuracy and up-to-date in accordance with the latest veterinarian research. This collaborative effort is an integral part of our editorial process and aligns with our four pillars of content creation. This approach ensures our content is backed by expert knowledge and factual information, offering our readers reliable, actionable, and trustworthy content.

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