Best Pet Insurance For French Bulldogs 2022: Cost, Quotes & FAQs

best pet insurance for french bulldogs

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This is the ultimate guide to help you figure out the best pet insurance for French Bulldogs.

Going on adventures with your French Bulldog can create beautiful memories. But what if your Frenchie stumbles and breaks his ACL while playing? Accidents happen, and they can hurt your pup and wallet. Pet insurance can help ease the financial burden when your pet gets a little too curious and you’re left with an enormous vet bill.

Today you will learn breed-specific reasons Frenchies need pet insurance, accident probability, health issue predisposition, and other critical statistics you need to know to determine if Frenchie pet insurance is worth it.

We also show you our top picks for the best pet insurance providers covering adult and puppy French Bulldogs. Let’s get started!

The Best Pet Insurance For French Bulldogs

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

You can click this link to go to the reviews, but we encourage you to keep reading to make a more educated decision about getting pet insurance for your French Bulldogs.

What Is French Bulldog Pet Insurance?

Pet insurance is equivalent to human health insurance. Pet Insurance is designed to reimburse pet owners for unforeseen veterinary fees and related expenses, providing peace of mind and keeping your bank account savings in good standing.

How Much Does Pet Insurance Cost For French Bulldogs?

French Bulldog’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Keep in mind rising vet costs due to technological advances and an increasing number of claims in your location, which can increase your monthly payment. For instance, if your French Bulldog is quoted at $45 per month today, that price is subject to change.

We compared quotes for plans for French Bulldogs with three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage. We chose three French Bulldogs at different stages in their life.

  • An adult French Bulldog (5 years old)
  • A young French Bulldog (1-year-old)
  • A puppy French Bulldog (3 months old).

Check out our Pet Insurance Comparison table for French Bulldogs below.

Pet Insurance Quotes For French Bulldogs


CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$111.41California
(zip code: 94203)
MaleFrench Bulldog5 years
Lemonade$50070%$100,000$59.92California
(zip code: 94203)
MaleFrench Bulldog5 years
Spot Pet Insurance$50070%Unlimited$79.45California
(zip code: 94203)
MaleFrench Bulldog5 years
Healthy Paws$50070%Unlimited$51.61Kansas
(zip code: 64030)
FemaleFrench Bulldog1 Year Old
Lemonade$50070%$100,000$27.25Kansas
(zip code: 64030)
FemaleFrench Bulldog1 Year Old
Spot Pet Insurance$50070%Unlimited$67.55Kansas
(zip code: 64030)
FemaleFrench Bulldog1 Year Old
Healthy Paws$50070%Unlimited$59.45North Carolina
(zip code: 28105)
FemaleFrench Bulldog3 Month Old
Lemonade$50070%$100,000$44.69North Carolina
(zip code: 28105)
FemaleFrench Bulldog3 Month Old
Spot Pet Insurance$50070%Unlimited$115.92North Carolina
(zip code: 28105)
FemaleFrench Bulldog3 Month Old

How Much Can You Expect to Pay For French Bulldog Canine Insurance?

If you get Pet Insurance for your French Bulldog, you can expect to pay between $27 to $115 per month. Depending on where you live, what 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 November 2022

Is Pet Insurance For French BulldogS Worth It?

Pet insurance may not be worth it if you have unlimited funds to pay for any health issues that your Frenchie has. For most of us, this isn’t the case.

A dog with a disease or accident could cost you thousands of dollars at the vet. In the event of this happening, pet insurance can reimburse 70% to 90% of the vet bill (depending on your policy).

There are three main reasons to consider obtaining pet insurance for your French Bulldog.

1. Avoid Deciding Between Your Wallet & Your Frenchie

It’s hard to see people who can’t afford the treatment and end up euthanizing their pets. An increasing number of pet parents have had to make the inconceivable decision to euthanize their beloved dogs because they didn’t have the money to pay for surgery or treatment.[1]

Pet insurance allows you to seek medical care for your sick or injured Frenchie without worrying about the financial impact.

Did you know the most common dog treatments cost $252.75 on average, while a more serious condition like Intervertebral Disc Disease (IVDD), common in Frenchies, can cost $2,500-$7,000?[2]

2. Accidents

Accidents happen no matter how much we protect our furry friends! If your French Bulldog injures himself (i.e., poisoning, cruciate ligament, etc.), it could lead to massive vet bills.

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.

How does that translate to Frenchie numbers? According to the latest survey, roughly 90 million dogs in the U.S., 1% are Frenchies.[3],[4] This gives over 9,00,000 Frenchies in the U.S. alone. So, unfortunately, about 33% of the Frenchie population (1 in 3) will need emergency care this year.

Unfortunately, the average cost of unexpected veterinary care for dogs is between $250 and $8,000. According to the Federal Reserve, a frightening reality that makes matters worse is that only 40% of Americans cannot cover a $400 emergency with their savings.

A good pet insurance plan will cover most of the vet costs, as most pet insurance policies reimburse up to 90% of total vet expenses after deductibles.

3. Common Health Issues for French Bulldogs

Don’t think you need Pet Insurance for your French Bulldog? Think again!

According to one of the most extensive studies of this breed carried out by the Royal Veterinary College in London, Frenchies are susceptible to a myriad of health problems.

Out of 2228 French bulldogs that participated in the study, 72.4% of those studied had at least one recorded disorder. That’s a high percentage, meaning approximately 7 out of 10 Frenchies will require medical care.

The researchers found that the most common disorders recorded in French bulldogs were skin problems (17.9%), ear infections (14%), followed by diarrhea (7.5%), and conjunctivitis (3.2%).[5]

Unlike other dog breeds, eye conditions are more prominent in Frenchies, including cherry eye, juvenile cataracts, and entropion. In addition, Frenchies’ bulging eyes make them more likely to sustain eye injuries. 

Frenchies suffer from Brachycephalic Obstructive Airway Disease (BOAS) and have breathing issues, like most flat-faced breeds, say the AKC. BOAS can lead to secondary health problems affecting other parts of the body, such as noisy and labored breathing with exercise and heat intolerance, often accompanied by sleep-disturbed breathing, gastrointestinal disorders such as regurgitation and vomiting, and in the worst cases, cyanosis, collapse, and death.[6]

Hip dysplasia in Frenchies is very high. In fact, the Orthopedic Foundation for Animals ranked Frenchies among the top 20 dog breeds predisposed to this condition. Other common musculoskeletal problems include proneness to Intervertebral Disc Herniation (IVDH). In a study where 533 Frenchies were presented for neurological signs, IVDH was present in 45.5% of the total, making it a predominant disease in this breed.[7] Moreover, luxating patellas, IVDD, spinal disc issues, and Degenerative Myelopathy (D.M.) are also issues that plague Frenchies.

Hemivertebrae is a severe congenital condition that causes a dog’s spine to fuse or twist. French bulldogs are considered predisposed to hemivertebrae because of the breed characteristic of a screw-tail.[8]

The French Bulldog’s mortality from cancer is right up there, with the breed notorious for high cancer rates and a 40% mortality rate.[9]

Getting pet health insurance is advised if you consider how likely Frenchies become ill or get into accidents.

Here is how much it can cost you to diagnose and treat Frenchies’ most common health problems.

ConditionRiskCost to Diagnose & Treat
Hip DysplasiaMedium$1,500-$6,000
EntropionHigh$300-$1,500
IVDDHigh$2,500-$7,000
Conjunctivitis (Pinkeye)MediumVaries
DeafnessLow$300 (specialized treatment can be expensive)
Cherry EyeHigh$300 – $1000
Brachycephalic Respiratory SyndromeHigh$200 – $1500
Ear infectionsMedium$100 – $250
DiarrheaLowVaries
Skinfold dermatitisMedium$500 – $2,500
CataractsHigh$2700 – $4000
Cleft Palate (surgery)Medium$5,000 or higher
Patellar LuxationMedium$1,500 – $3,000
HemivertibraeMedium$1,000 – $3,000 (imaging)
$1,500 – $4,000 (surgery)

Source: AKC, Royal Veterinary College & Embrace Pet Insurance

Did you know deafness and hearing loss is common in French Bulldogs with blue eyes? Read our French Bulldog with blue eyes guide and learn more.

Other Reasons To Get Dog Insurance For Your Frenchie

  • 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 Frenchie can spare you financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Frenchie’s life.


Best Pet Insurance For French Bulldogs

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

Best Overall — Healthy Paws

Our rating: 4.8

We named Healthy Paws our best overall pet insurance for your French Bulldog for its comprehensive coverage, pricing, availability, and customer service. There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for healthy French Bulldogs at a $500 deductible, with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $51 and $111.

With Healthy Paws, you can start protecting your French Bulldog at 8 weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.

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 fees 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

Best Value — Lemonade Pet Insurance

Our rating: 4.7

Lemonade offers excellent pet insurance coverage for your French Bulldog at the most affordable price. While your monthly premium cost will vary by location, pet’s age, gender, and other factors, Lemonade premiums usually start at just $10 a month, the lowest in the industry.

To estimate your monthly premium, we ran a few quotes for a healthy French Bulldog at a $500 deductible and 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $27 and $59.

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 costs.

Pros

  • Coverage starts at $5 per month
  • Provides a mobile app and website chat function
  • Giveback program donates unused policy money to charities
  • Waiting period of 2 days for accidents, which is shorter than many competitors
  • Preventive care treatments for puppies and kittens under 2 years old
  • 10% discount for bundling your policy with Lemonade home insurance or renters insurance

Cons

  • Doesn’t offer coverage for pets over 14 years old

Most Customizable Plans — Spot Insurance

Our rating: 4.7

Spot Pet Insurance is ideal for French Bulldog dog owners who want a variety of ways to customize their policy. Spot 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 French Bulldog gets sick, you pay less front before your plan starts paying. With so many customization options, this company it’s 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.

If you sign up with Spot Pet Insurance, based on our research, you can expect to pay between $67 and $115, but prices may vary depending on your location, your French Bulldog’s age, and other factors.

Spot covers you when your French Bulldog gets hurt unexpectedly from tooth extractions to torn ligaments. They can also coverEntropion treatment, which French Bulldogs are prone to, as long as they were diagnosed after coverage.

Pros

  • Low $100 deductible is available
  • Has seven options for coverage limits
  • Multipet discount of 10%
  • Two optional wellness plans are available
  • Has a 24/7 pet telehealth line

Cons

  • The waiting period for accident coverage is 14 days
  • Does not cover prescription pet food
  • Limited knee and ligament coverage (bilateral condition policies)

Great For Pre-Existing Conditions

If your Frenchie suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice! Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptoms and are treatment-free.


Pet Insurance For French Bulldog Puppy

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

  • Lower Premiums. Usually, younger dogs (puppies) get cheaper premiums compared to older dogs. Pet insurance rates for puppies also depend on factors like the pet’s age, health, breed and location.
  • Covering Future Conditions. If your dog breed is genetically susceptible to certain health conditions, the best option is to insure your pet before he is diagnosed or develops any symptoms. Most pet insurance companies do not cover preexisting illnesses. If your puppy develops a sickness (i.e., cancer, allergies, diabetes) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get in Trouble. French Bulldog puppies will eat, chew and lick pretty much anything. They are more likely to suffer from accidents and develop viruses and infections because of bacteria.
  • Puppy Vet Bills. Adopting and raising a puppy comes with many expenses, including food, vet visits, and even toys. According to research, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy and other first-year pet ownership costs are usually over $1,000, says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

  • Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your French 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)

You can sign up for 1 or 2 (or both), but this will mostly depend on your French Bulldog’s needs and finances. Most pet insurance companies nowadays offer a single plan that includes accidents and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

The Most Common Items Covered Per Type of Pet Insurance


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)

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

French Bulldog Average Vet Bill Cost (Healthy Vet Visit vs Emergencies)

There are probably two things that cross your mind when considering vet bills: regular vet visit costs vs. emergency visit costs.

The table below gives you a good idea of how much you can expect to pay for either visit when you don’t have a wellness plan or pet insurance.

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

Sources: Emergency Vets USA & Rover

Pet Insurance For French Bulldog Puppy

Should you get pet insurance for your French Bulldog puppy?

Here are the top reasons you should consider French Bulldog puppy insurance.

  • Lower Premiums. Younger pets are cheaper to insure than their older counterparts. Because pet insurance rates are based on age, breed and location, your premium is lower with puppies.
  • Covering Future Conditions. If you know your dog breed is predisposed to certain health issues, it’s best to insure your puppy before he shows any symptoms or is diagnosed with an illness or issue. Most pet insurance providers won’t cover pre-existing conditions. However, if your puppy develops one (i.e., cancer, allergies, diabetes) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. French Bulldog puppies eat, chew, and lick almost anything. They are more prone to suffer from accidents and bacteria and virus infections.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with raising a puppy — from toys and food to vet-related costs. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy. While the upfront costs for first-year pet ownership typically cost over $1,000, says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

  • Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your French 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)

You can sign up for 1 or 2 (or both), but this will mostly depend on your French Bulldog’s needs and finances. Most pet insurance companies nowadays offer a single plan that includes accidents and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

The Most Common Items Covered Per Type of Pet Insurance


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 French 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 exclusion will vary depending on your pet insurance company and plan.

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

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

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

  • Compare the coverage under each plan with your French Bulldog’s specific health concerns.
  • Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common French Bulldog health issues).
  • Speak with your veterinarian about your dog’s aging health concerns.
  • Pick a plan based on the right cost and coverage benefits, not price alone.
  • Obtain at least three quotes based on the information you provide about your French Bulldog’s age, health, gender, and needs.
  • The earlier you sign your French Bulldog for pet insurance, typically means lower the monthly premiums.
  •  Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  • Narrow down your choices with our recommended top 3 providers.

Should I Get Pet Insurance For French Bulldogs?

Pet insurance is a personal choice, but if you can’t pay out of pocket for emergency care, you should consider getting pet insurance for your Frenchie!

Knowing that your beloved friend is covered (regardless of how expensive the diagnostics, treatment, and care costs are) will let you sleep well and provide peace of mind. If you choose pet insurance, read the policy carefully, and understand the terms and conditions before purchasing.


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

[1] USA Today [2] Value Penguin  [3] Washington Post [4] Animals 24-7 [5] CGE Journal [6] NCBI [7] BMC [8] UFWA [9] Institute of Canine Biology



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