Best Pet Insurance For French Bulldogs 2024: Cost, Reviews & More
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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!
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Best French Bulldog Pet Insurance — At A Glance
Best Overall
Best Personalized
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
What Is French Bulldog Pet Insurance: 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 French Bulldog pet insurance
$61 to $110
How Much Does Pet Insurance Cost For French Bulldogs?
The cost of pet insurance for a Frenchie 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 Frenchie is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Frenchie can range from $61 to $110. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Frenchie owners can expect to pay an average $86 monthly premium.
Pet Insurance Quotes For French Bulldogs
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Frenchies.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $75.34 | SC, 29044 | Male | French Bulldog | 6 years |
| Spot | $500 | 70% | Unlimited | $101.51 | SC, 29044 | Male | French Bulldog | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $96.50 | SC, 29044 | Male | French Bulldog | 6 years |
| Lemonade | $500 | 70% | $100,000 | $67.34 | CA, 95842 | Female | French Bulldog | 2 year |
| Spot | $500 | 70% | Unlimited | $102.01 | CA, 95842 | Female | French Bulldog | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $78.89 | CA, 95842 | Female | French Bulldog | 2 year |
| Lemonade | $500 | 70% | $100,000 | $61.57 | TX, 75219 | Female | French Bulldog | 6 months |
| Spot | $500 | 70% | Unlimited | $109.81 | TX, 75219 | Female | French Bulldog | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $85.52 | TX, 75219 | Female | French Bulldog | 6 months |
Frenchie puppy monthly cost: $86
Adult Frenchie monthly cost: $83
Senior Frenchie monthly cost: $91
Is Pet Insurance For French Bulldogs Worth it?
The decision to purchase pet insurance for your Frenchie hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Frenchie 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 Frenchie, like IVDD, can cost between $2,500 and $7,000 to diagnose and treat. Can you pay for an unexpected $7,000 veterinary bill out-of-pocket? 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 Frenchie 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 Frenchie’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 Frenchie’s potential future health issues and risks, you can take preventive action today and ensure that your Frenchie 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]
75.4%
French Bulldogs have stenotic nostrils (malformed nostrils).[4]
14%
of French Bulldogs develop otitis externa.[5]
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 rack up costs throughout your Frenchie’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.How Pet Insurance Helps With French Bulldog Health Conditions
Cost to treat ear infections
Ear infections in French Bulldogs are common due to their floppy ears, which trap moisture and debris, creating a breeding ground for bacteria and yeast. Symptoms include scratching, redness, and odor. Regular cleaning and veterinary care are essential for prevention and treatment.
*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 French 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.
*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 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.
*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 cataracts
Cataracts in French Bulldogs result in the lens of the eye becoming opaque, significantly impairing vision. Often hereditary, they can also arise from aging, diabetes, or eye injuries. Initially, cataracts may cause slight visual disturbances but can progress to blindness. Surgical removal is the primary treatment to improve sight.
*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 skin disease
Dogs can suffer from various skin diseases, often manifested as itchiness, rashes, or hair loss. Causes range from allergies, parasites, and hormonal imbalances, to infections. Effective treatment requires identifying the underlying cause, which may involve dietary changes, medications, or topical treatments, depending on the specific condition. Regular skin care can help prevent recurrences.
*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 brachycephalic respiratory syndrome
French Bulldogs, with their flat faces and short nasal passages, are often affected by this syndrome. It leads to breathing difficulties, snoring, and reduced exercise tolerance. This anatomical trait can also exacerbate other health problems.
*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 deafness
In French Bulldogs, deafness can be present from birth or acquired later. Hereditary deafness is associated with genes affecting pigmentation, while acquired cases may result from infections or age-related degeneration. These dogs might show inattentiveness to auditory cues. Confirming deafness involves auditory tests, and adapting training methods is key for managing it.
*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 French 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.
*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 cleft palate
This congenital disorder occurs when the roof of the mouth does not fully close during embryonic development, leaving a gap that can affect eating and breathing. The cause is typically genetic. Treatment involves surgical correction, although the timing and approach depends on the severity of the condition.
*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 hemivertebrae
This is a congenital spinal condition where the vertebrae are misshapen, causing spinal curvature and potentially leading to neurological problems.
*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 intervertebral disc disease
French Bulldogs often suffer from IVDD due to their unique spinal structure. This condition leads to the degeneration of intervertebral discs, causing pain, weakness, and sometimes paralysis. The breed’s genetics and compact physique contribute to this risk.
*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 conjunctivitis
This eye condition, marked by inflammation of the conjunctival membrane, is common in French Bulldogs. It can be triggered by allergens, infections, or irritants. Their prominent eyes make them more susceptible to environmental irritants, leading to redness, discharge, and discomfort.
*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. French Bulldogs are predisposed due to their unique facial structure. While usually painless, it can cause issues if left untreated.
*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 French Bulldogs?
Benefits For French Bulldogs
Benefits For Owners
How to Pick The Best French Bulldog Pet Insurance
Best Pet Insurance For French Bulldogs
1. Best Overall French Bulldog Pet Insurance
Lemonade
Who It’s For: Excellent for French Bulldog parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.
Why we picked and recommended it: We named Lemonade our best overall pet insurance for French Bulldog 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 French Bulldog at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $61 and $75 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 French Bulldog Pet Insurance
Spot Insurance
Who It’s For: Spot Pet Insurance is ideal for French Bulldog dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.
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 French 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 French Bulldog at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $101 and $110, but prices may vary depending on your location, French Bulldogs age, and other factors. Spot covers you when your French Bulldog gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout French Bulldog Pet Insurance
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 French Bulldog.
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 French Bulldog at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $79 and $96. 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 French Bulldogs
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Frenchie, 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 Frenchie is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For French Bulldog Puppies
Should you get pet insurance for your Frenchie puppy? Here are the top reasons you should consider Frenchie puppy insurance.
Average Cost of French 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 Procedure | Average 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 Procedure | Average 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 therapy | 500 |
Sources: 5 & 6
Factors That Impact the Cost of Your French Bulldog Pet Insurance Policy
Deductibles, co-pays & coverage limits
The lower the amount you pay out of pocket for your pet’s care, the higher your insurance premium will be. For instance, selecting a deductible of $300 instead of $800 means you’ll get reimbursed quicker for your pet’s care, but it also leads to higher premium payments.
Breed
Certain breeds are prone to congenital health issues. For example, breeds such as French Bulldog often struggle with Cancer and bloat. These breed tendencies could influence your pet insurance expenses.
Location
Local veterinary care expenses are taken into account by pet insurance companies when setting the price of your policy.
Pet’s Age
Older pets generally face more health problems, which results in higher insurance premiums because there is a higher risk for the insurance company.
Understand Insurance Policy Basics
How Does French Bulldogs Pet Insurance Work?
Imagine your Frenchie’s pet insurance policy has the following terms:
Now, let’s say your Frenchie incurs a veterinary bill of $3,000 for medical treatment.
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 $2,200 for this claim, the remaining yearly payout limit is $15,000 – $2,200 = $12,800.
Frequently Asked Question
French Bulldog Pet Insurance — Conclusion
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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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.
- Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
- Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
- Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
- Packer, R. M. A., Hendricks, A., Tivers, M. S., & Burn, C. C. (2017). Impact of Facial Conformation on Canine Health: Brachycephalic Obstructive Airway Syndrome. PLOS ONE, 12(9), e0181928.
- O’Neill, D. G., Baral, L., Church, D. B., Brodbelt, D. C., & Packer, R. M. A. (2018). Demography and disorders of the French Bulldog population under primary veterinary care in the UK in 2013. Canine Genetics and Epidemiology, 5(1).
- Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
- Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
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