Best Pet Insurance For Bulldogs: Cost, Quotes & FAQs

best bulldog pet insurance

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This is the most comprehensive guide to finding the best pet insurance for Bulldogs.

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 own set of 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.

It is also important to find a policy that covers all your dog’s medical needs and expenses.

If you’re feeling overwhelmed by all the choices out there, we have narrowed down your options with reviews of three of the top pet insurance companies offering the best coverage for adult and puppy Bulldogs. Let’s get started!

The Best Pet Insurance Companies For Bulldogs

Here are Canine Bible’s top 3 picks for the best pet insurance for Bulldogs.

You can click this link to go straight to the reviews, but we encourage you to keep reading so you can make a more informed decision about getting pet insurance for your Bulldog.

healthy paws pet insurance
Top Pick

Best Overall

embrace pet insurance
Top Pick

Curable Pre-Existing Conditions

pets best pet insurance
Top Pick

Best Value

  1. Healthy Paws: Best overall pet insurance for your Bulldog.
  2. Embrace Pet Insurance: Great for curable pre-existing conditions.
  3. Pets Best: Best value for your wallet.

What Is Pet Insurance?

Getting pet insurance for your Bulldog is equivalent to getting health insurance for yourself. Pet Insurance is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving you peace of mind and protecting your savings.

Pet insurance acts as a financial buffer by footing the bill for things like pet injuries, emergency vet visits, chronic health conditions, and more.

How Much Does Pet Insurance Cost For Bulldogs?

How much does insurance cost for a Bulldog? Bulldogs’ dog insurance prices will be based on your pet’s pre-existing health conditions, location, age, gender, and other factors.

Keep in mind, rising vet costs due to advances in technology and an increasing number of claims in the location where you live can make your monthly payment increase. For instance, if you are quoted $45 per month today, that price is subject to change.

We looked at quotes for three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage.

We chose three Bulldogs at different stages in their life. An adult Bulldog (5 years old), a young Bulldog (1-year-old), and a puppy Bulldog (3 months old).

Check out this Pet Insurance Comparison table for Bulldogs.

Pet Insurance Quotes For Bulldogs

CompanyAnnual DeductibleReimbursementAnnunal Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$83.95California
zip Code: 90011
MaleBulldog5 Years
Embrace$50070%$10,000 $70.33California
zip Code: 90011
MaleBulldog5Years
Pets Best$50070%$5,000 $75.90California
zip Code: 90011
MaleBulldog5 Years
Healthy Paws$50070%Unlimited$39.74Kansas
zip Code: 66012
FemaleBulldog1 Year
Embrace$50070%10,000$54.36Kansas
zip Code: 66012
FemaleBulldog1 Year
Pets Best$50070%Unlimited$33.47Kansas
Zip Code: 66012
FemaleBulldog1 Year
Healthy Paws$50070%Unlimited$43.37New Jersey
Zip Code: 07303
FemaleBulldog3 Months
Embrace$50070%10,000$60.13New Jersey
zip Code: 07303
FemaleBulldog3 Months
Pets Best$50070%Unlimited$43.64New Jersey
zip Code: 07303
FemaleBulldog3 Months

So, how much are you expected to pay for canine insurance for your Bulldog?

If you get Pet Insurance for your Bulldog, you can expect to pay between $34 to $84 per month. Depending on where you live, deductible, and the reimbursement percentage you choose, you may spend more or less.

*NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from October 2021.


Is Pet insurance For Bulldogs Worth it?

And, the million-dollar question: is pet insurance worth the cost? 

Insuring your Bulldog is a big decision. Based on our experience and research, getting dog insurance is worth it.

What if your dog catches a serious disease or gets injured. This could end up costing you thousands at the vet. But if you have pet insurance, you will be reimbursed between 70%-90% depending on the plan you choose. This security will put you in a position where you won’t have to decline medical care that could save your dog’s life.

Not fully convinced it’s worth it?

Here are three main reasons why you should consider getting pet insurance for your Bulldog.

1. Avoid Deciding Between Your Wallet & Your Bulldog

USA Today reports that because dog parents don’t have the money to pay for surgery or treatment, an increasing number of pet parents resort to making the inconceivable decision to euthanize their beloved dogs.1

As a pet owner, there’s nothing worse than being forced to base your dog’s medical treatment on finances. Pet insurance eliminates this dilemma, ensuring that your dog can receive the care he deserves. 

On average, the most common dog treatments cost $252.72. While a more severe disease in Bulldogs, like hip dysplasia, can cost $3,000-$7,000 to diagnose and treat per hip.

2. Accidents

According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and it’s estimated that 1 in 3 will need emergency veterinary treatment every year.

So, how does that translate to Bulldog numbers?

There are roughly 90 million dogs in the U.S., according to the latest data.3 This means at least 1 in every 3 Bulldog parents will be seeking emergency veterinary care this year for their dogs.

This could lead to huge bills at the vet. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.4

Sadly, according to the Federal Reserve, only 40% of Americans have enough savings to cover a $400 emergency. Scary!

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Health Issues For Bulldogs

Don’t think you need Pet Insurance for your Bulldog? You may rethink your position after learning about their health problem predisposition and how likely they are affected by certain issues and how much money you would need to spend to get treatment for those issues.

Unfortunately, according to new research published in the Journal of Canine Genetics and Epidemiology, the English Bulldog (EB) is one of the world’s unhealthiest dog breeds primarily due to inbreeding for extremes brachycephaly, chondrodysplasia, skin folding and child-like appearance.5

Unfortunately, bulldogs bred for specific physical traits put their well-being at risk. They’re also genetically predisposed to several diseases, as you will see below.

Research conducted by the Royal Veterinary College’s (RVC) VetCompass program has called attention to the breed’s rather dismal health problems, mainly due to aesthetic-based breeding trends. According to the team’s compiled clinical data for 1621 Bulldogs, the most prevalent diseases in this breed include ear infections (12.7%), skin infections (8.8%) and obesity (8.7%). Bulldogs also experience skin fold dermatitis in large numbers (7.8% of Bulldogs), cherry eye (6.8%), and entropion (3.6%).6

A Bulldog’s unusual build contributes to high hip and elbow dysplasia cases in the breed, two degenerative joint diseases that cause pain and lameness. According to the Orthopedic Foundation for Animals, English Bulldogs are the most commonly afflicted with both conditions, with 71% of them being dysplastic.7

A breed-wide propensity for obesity further exacerbates these joint issues. Sadly, Bulldogs are predisposed to become obese.8 

As a flat-faced breed, Bulldogs often suffer from Brachycephalic Obstructed Airway Syndrome (BOAS), a collection of upper airway issues resulting in the potential for severe breathing problems, exercise intolerance, difficulty eating, gastrointestinal disorders, sleep disturbances and other issues. The symptoms of Brachycephalic Airway Syndrome worsen with obesity. A Bulldog’s shortened muzzle also makes him susceptible to heatstroke because he can’t cool himself efficiently through panting.9

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.10 

Naturally, we love our Bulldogs’ wrinkles, but this endearing physical trait can become a harmful nuisance. Bacteria that accumulate in excess skin folds can cause infections, and excess skin over a Bulldog’s face and eyes can cause eye problems. Wrinkles that become irritated may contribute to Keratoconjunctivitis sicca (KCS), or dry eye, which often leads to infections and ulcers.11 

Research states Bulldog’s extra wrinkles can cause irritating skin-to-skin contact, accounting for a host of skin disorders such as pyoderma and skin fold dermatitis.6 Dermatitis can manifest as reddened hot spots on the skin, hair loss, or a bad smell. Abundant skin creases also contribute to cases of “screw tail,” a condition that may require surgery to correct.12

Eye problems commonly plague Bulldogs as well. According to The International Animal Welfare Science Society, the breed’s shortened muzzle and shallow eye sockets put them at risk of brachycephalic ocular disease, a disorder that results in lesions on the eyelid, cornea, and surrounding tissue. Bulldogs can suffer from entropion (inward folding of the eyelid), nasal fold trichiasis (irritation of the cornea caused by excess skin folds on the nose), and disordered tear production.13

Other issues to be aware of include temperature regulation (overheating), food allergies, thyroid and heart disease and cancer.

Investing in pet insurance is one way you can manage some of your Bulldog’s potential health issues—without breaking the bank when one or multiple these issues occur in your pet.

These are some of the most common health problems Bulldogs are prone to develop.


ConditionRiskCost to Diagnose & Treat 
Brachycephalic SyndromeHigh$250-3,000
Keratoconjunctivitis Sicca (KCS)Medium$50 per month
Ventricular Septal Defect (VSD)High$3,000-10,000
Hip Dysplasia (HD)High$3,500-7,000 per hip
Interalized TailHigh$1,000
Stenotic Nares (narrowed nostrils)High$200-1,000
Elongated Soft PalateHigh$500-1,500
Urethral ProlapseMedium$300-1,600
EntropionLow$500-2,000
Cherry EyeLow$300-800
Elbow Dysplasia (ED)Low$1,500-4,000
Patellar LuxationLow$1,500-3,000 per affected knee
DistichiasisLow$1,500-2,000

Data Source:

Other Reasons To Get Dog Insurance For Your Bulldog

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

PRO TIP: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Pet Insurance for your Bulldog can spare you a lot of financial trouble. Chronic health conditions, emergencies, and vet visits can really rack up costs throughout your Bulldog’s life.


Best Pet Insurance For Bulldogs

Here are Canine Bible’s top picks for the best pet insurance for Bulldogs.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose the right company and coverage for your Bulldog.

Healthy Paws Pet Insurance (Best Overall )

Why is Healthy Paws a good choice for your Bulldog?

For one thing, you don’t need to worry about reimbursement limits⁠—once your deductible is paid, Healthy Paws won’t cap your reimbursement payouts. You’ll also have to deal with fewer coverage exclusions with this company.

Healthy Paws has competitive premium prices. We ran a quote for a healthy Bulldog at a $500 deductible, with 70% coverage. You can expect to pay between $40 and $84, respectively, depending on your location, your pet’s age, and other factors.

Healthy Paws can cover emergencies, illnesses, genetic conditions, and even alternative care depending on the policy chosen. The company also covers diagnostic testing, prescription meds, and hospitalizations.

Healthy Paws states that they pay 99% of claims in two days.

With Healthy Paws, you can start protecting your Bulldog at just 8-weeks old.


PROS
  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make
CONS
  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fee and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Embrace Pet Insurance Review (Great For Curable Pre-Existing Conditions)

If your Bulldog suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice!

While most pet insurance companies fail to cover pre-existing conditions, Embrace Pet Insurance is the exception. The company distinguishes between curable and incurable pre-existing conditions, providing coverage for conditions they categorize as curable.

What does Embrace cover? Just about everything, from dental care to breed-specific genetic defects such as hip dysplasia and allergies. They also cover preventable conditions like Lyme disease, cancer testing and treatment, and chronic illnesses like diabetes and arthritis. Good news for your predisposed Bulldog. 

Based on our research, you can expect to pay between $55 and $70 if you sign up with Embrace, although prices may vary depending on your location, Bulldog’s age, and other factors.

Embrace can also save you money with their diminishing deductible that rewards your dog for good health. Every year that you don’t have an accident or illness claim, your annual deductible goes down by $50.

Troubleshooting is simplified with their 24/7 Pet Health Line for round-the-clock support.


PROS
  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet
CONS
  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards not available in Rhode Island.


Pets Best Review (Best Value)

For a more affordable option, Pets Best is a solid choice.

To give you an estimate of your monthly premium, we ran a few quotes for a healthy Bulldog at a $500 deductible and a 70% reimbursement. Based on our research, you can expect to pay between $34 and $76, depending on your location, pet’s age, gender, and other factors.

Pets Best offers coverage for emergencies, cancer, and other illnesses. You also have the option to add a wellness plan to your pup’s policy. There are no upper age limits for enrollment, meaning you can sign your Bulldog up at any age.

The company pays out claims quickly and offers 24/7 access to a pet helpline.


PROS
  • Most affordable coverage pricing
  • BBB Rating: A+
  • 24/7 Pet Helpline to speak with a vet expert
  • Pet travel is covered in the U.S., Canada, and Puerto Rico
  • 30-day money-back guarantee
  • Routine care coverage
  • 5% multi-pet discount
  • No age limits
  • Accident and illness exam fee coverage
CONS
  • 14-day waiting period for illness and 3 days for Accident
  • Premiums increase as pet ages
  • 6-month waiting period for CCL injuries
  • Average claim repayment is longer than the competition

Average Cost of Bulldog Vet Bills (Healthy Vet Visit vs Emergencies)

Don’t have pet insurance? Here’s what you can expect to pay out-of-pocket for some of the most common Bulldog vet care needs. 

Healthy Vet Visits

  • 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

Emergency Vet Visits

  • 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 day hospitalization: $1,500-$3,500
  • Wound treatment & repair: $800-$1,500
  • Emergency surgery: $800-$2,500
  • Oxygen therapy: $500

For specific health issues cost, refer to our health issues table above.

Sources: Emergency Vets USA & Rover

Medical care for dogs isn’t cheap. According to the American Kennel Club, pet owners can expect to shell out between $700 and $1,500 annually for routine wellness checkups, vaccines, dental care, and lab tests.14 This figure doesn’t even take into account unexpected emergencies, which could land you with a hefty vet bill. 

Pet Insurance For Your Bulldog Puppy

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

  • Lower Premiums.Age factors into your premium cost, with younger pets being cheaper to insure than senior pets. If you sign up for insurance while your Bulldog is still a puppy, you can bank on lower monthly payments.
  • Covering Future Conditions. Since most pet insurance companies won’t provide covereage for pre-existing conditions, it’s not a bad move to sign up while your Bulldog puppy is still in prime health. This is especially true if you know your dog’s breed is presdisposed to certain health issues, such as hip dysplasia or cancer. With a policy in place, your pup will be covered should he develop an illness down the line.
  • Puppies Get In Trouble. Accidents are a natural part of puppyhood, so it’s best to be prepared. Bulldog puppies will eat, chew, and lick pretty much anything, and they’re more likely to suffer a viral or bacterial infection. Pet insurance offers a layer of protection for your curious pooch.
  • Puppy Vet Bills. First-time puppy owners face a number of new expenses: from toys to food to staggering vet bills. According to the ASPCA, folks can expect to pay over $1,000 for upfront costs during their puppy’s first year, with 81% of pet parents spending up to $500 on vet visits in that time.11

Types of Pet Insurance Coverage

What does pet insurance cover? There are 3 main types of pet insurance plans are:

Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Bulldog was hit by a car.

Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

Wellness Plans: It’s also called “routine” or “preventative.” It covers most routine vet visits, such as vaccinations.

You can sign up for 1, 2, or all 3 of these types of coverages, but it will mostly depend on your Bulldog’s needs and your finances.

Take a look at the table below to see the most common items covered by each type of pet insurance plan.


Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
PoisoningHypothyroidism
De-worming
InjuriesDigestive Issues
teeth cleaning
EmergenciesIVDD
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

*i. Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

Pet insurance doesn’t cover it all!

When buying Pet Insurance for your Bulldog, you’ll need to carefully review the different plans to see what isn’t covered.

Most pet insurance policies exclude the following:

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

This list of exclusions will vary depending on which pet insurance company and plan you choose.

Pro Tip: Please always READ your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Bulldog is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Bulldog?

Here are eight tips to help you choose the best pet insurance policy for your Bulldog.

1. Compare the coverage under each plan with your Bulldog’s specific health concerns.

2. Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Bulldog health issues).

3. Speak with your veterinarian about your dog’s aging health concerns.

4. Pick a plan based on the right cost and coverage benefits, not price alone.

5. Obtain at least three quotes based on the information you provide about your Bulldog’s age, health, gender, and needs.

6. The earlier you sign your Bulldog for pet insurance, typically means lower the monthly premiums 

7. Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.

8. Narrow down your choices with our recommended top 3 providers.

Should I Get Bulldog Pet Insurance?

Ultimately, your Bulldog’s health is in your hands. To ensure his 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 the event of an emergency, you’ll be happy to have a policy in place.

Our final bit of advice is that if you decide to get pet insurance, read the policy carefully and make sure you understand the terms and conditions before purchasing. Everyone’s circumstances are different, so it’s essential to choose the best coverage for your Bulldog’s needs.


Resources & References: [1] USA Today, [2] Value Penguin, [3] Washington Post, [4] Pet Health Report [5] CGE Journal, [6] RVC, [7] American Ortohpedic Foundation, [8] AKC:Hip Dysplasia, [9] PetMD, [10] NBCI, [11] PDSA, [12] MSPCA [13] UFAW [14] AKC


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