Best Pet Insurance For English Bulldogs In June, 2024

Drawing upon my expertise, I find Healthy Paws to be the clear frontrunner as the best pet insurance tailored to English Bulldogs.

min read
Updated: 08 May 2024
Written by
Bob Phillips
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If you’re a proud owner of an English Bulldogs, it’s only natural to be deeply concerned about their health and overall well-being. Given their status as a purebred, English Bulldogs tend to have a higher likelihood of facing genetic health issues, in comparison to their mixed-breed counterparts.

Interestingly, a staggering 80% of pet parents might find it challenging to cover an unexpected veterinary bill of $500. This is where the importance of pet insurance truly shines.

In this comprehensive review, we’ll embark on an exploration of the top-notch pet insurance providers designed with English Bulldogs in mind. Our aim is to assist you in making an informed decision by identifying the policy that perfectly aligns with your English Bulldog’s unique requirements.

Similar to personal health insurance, pet insurance offers enhanced treatment possibilities while curbing potential financial burdens. However, unlike private health insurance, it won’t break the bank.

Best Pet Insurance Companies For English Bulldogs 2024

While numerous pet insurance companies have a common goal of safeguarding your English Bulldog's well-being and mitigating financial uncertainties, they each possess unique characteristics. Thus, while one company might perfectly suit your neighbor's English Bulldog, another might be a better fit for your furry friend.

Without further ado, let's delve into our comprehensive assessment of the top pet insurance providers tailored for English Bulldogs:

healthy-paws
Best Overall - Healthy Paws
Lemonade
Best Cheap Coverage - Lemonade
manypetsicon-logo
Best for Puppies - ManyPets
Best Pet Insurance Companies For English Bulldogs 2024

Comparison Of The Best Pet Insurance Companies For English Bulldogs

As observed above, numerous reputable companies are competing for the top spots. It's evident that each company possesses its own unique strengths. Here's a quick overview to offer you a peek into each insurer's offerings:

Overall Rating Best For Benefit Limit Reimbursement % Waiting Period Get A Quote
Lemonade
4.8

Cheap

$5,000 to $100,000 annually

70%,80%,90%

2 days accidents, 14 illness

Instant Quote
ManyPets
4.8

Puppies

Unlimited annual and lifetime

70% or 80% (most states)

15 days accident/illness

Instant Quote
Pumpkin
4.7

Older Dogs

$10,000, $20,000, or unlimited

90%

14 days accidents/illness

Instant Quote
Healthy Paws
4.9

Overall

Unlimited annual and lifetime

70%,80%,90%

15 days accident/illness

Instant Quote
Spot
4.7

Multiple Pets

$2,500 to unlimited

70%,80%,90%

14 days accident/illness

Instant Quote
Scroll to see comparisons

Our Methodology

The evaluations and resulting ratings were formulated by examining the websites of each insurer, considering customer feedback, referencing external review platforms, and drawing from personal encounters of having obtained and utilized pet insurance previously.

15+

Years Of Experience

23+

Research Hours

26

Brands Reviewed

49

Quotes Analyzed

Detailed Reviews Of The Best English Bulldog Insurance Companies


Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
10/10 Claims
10/10 Coverage level

Why We Like Them

Healthy Paws secures the top spot in pet insurance due to its unlimited claim payouts, absence of per-incident ceilings, and any caps. Although it might require a higher investment, the value of preventing pet euthanasia because of policy restrictions is evident. The straightforward policy from Healthy Paws avoids complex add-ons, offering the freedom to choose any licensed vet. Claim submissions are hassle-free through their user-friendly app or website, and the majority of claims get processed within a span of two days.

Benefits & Drawbacks

Benefits
  • Unlimited annual and lifetime payouts
  • Swift processing of most claims within two days
  • 30-day money-back guarantee
  • Potential for direct vet payments
Drawbacks
  • Absence of routine wellness option

Runner-Up for Best Overall

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

Our analysis revealed Lemonade as the most affordable pet insurance choice for English Bulldogs. While its coverage limits are similar to those of other companies examined, they differ from the unlimited scope offered by Healthy Paws. Lemonade’s coverage spans from $5,000 to $100,000 annually, with the premium adjusting accordingly based on the chosen limit.

Lemonade’s standard policy encompasses accidents and illnesses, such as cancer, heart problems, skin ailments, fractures, and the prevalent hip dysplasia found in older English Bulldogs. As is common with many insurers, preexisting conditions, dental issues, behavioral concerns, and elective procedures are not covered by Lemonade.

Benefits & Drawbacks

Benefits
  • Availability of an elective wellness plan
  • Brief accident waiting coverage period, merely two days
  • 10% discount attainable by combining pet insurance with existing Lemonade home, renters, or car insurance
Drawbacks
  • Absence of a 24/7 pet telehealth line
  • Necessity to add coverage for vet exam fees at an additional cost
  • No inclusion of prescription food or microchipping in coverage

Best for Puppies

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

ManyPets offers highly advantageous coverage for puppies. Rates remain unaffected by pre-existing conditions, and healed ailments might be included after an 18-month period. Furthermore, unrelated conditions can still qualify for coverage.

Just like all puppies, young English Bulldogs can face issues like poisoning, ingesting foreign objects, and accidents due to their exuberant energy. Providing coverage at this stage significantly reduces the likelihood of encountering exclusions related to pre-existing conditions as they grow older.

Benefits & Drawbacks

Benefits
  • Operational across over 40 states
  • Inclusion of vet exam fees for both illness and accident visits
  • Provision of elective wellness plans
Drawbacks
  • Absence of a 24/7 pet telehealth line
  • Exclusion of pet behavioral therapy from coverage
  • Lack of coverage for alternative therapies

Best for Multiple Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
10/10 Coverage level

Why We Like Them

Since English Bulldogs possess a friendly nature, many owners opt for multiple pets. Spot recognizes this and extends a 10% discount when insuring more than one pet with them, resulting in substantial savings over time.

Spot’s elective preventive care plan encompasses wellness services, including an annual veterinary visit, a fecal test, and a teeth cleaning. Additionally, specific vaccinations are part of the coverage.

Spot takes pride in its 30-day money-back assurance if the coverage or service falls short of your expectations. With up to 90% reimbursement on qualifying vet expenses and a round-the-clock vet helpline, Spot ensures comprehensive support. Moreover, you have the freedom to consult any licensed U.S. veterinarian or specialist.

 

Benefits & Drawbacks

Benefits
  • Inclusion of microchipping in coverage
  • Availability of a low $100 deductible option
  • Presence of a 24/7 pet telehealth line
Drawbacks
  • Accidents necessitate a 14-day waiting period, whereas some leading competitors have a 2-day waiting period

Best for Older Dogs

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage level

Why We Like Them

With the progression of age, English Bulldogs become susceptible to inherited illnesses like cruciate ligament problems and hip dysplasia, leading to costly treatments. Pumpkin stands out by not imposing a waiting period for these issues and also covering the veterinarian examination costs should your senior Bully require treatment.

Pumpkin has a comprehensive array of coverage choices to address a wide spectrum of problems encountered by English Bulldogs, including surgery and dental illnesses. A selection of three deductible levels are available, and a standard 90% reimbursement rate is applied.

 

Benefits & Drawbacks

Benefits
  • Availability of an elective wellness plan
  • Discounts offered for insuring multiple pets
  • 90% reimbursement applicable to dogs and cats aged 8 weeks and older
Drawbacks
  • Absence of a 24/7 pet telehealth line
  • Unavailability of an accident-only plan

Average cost of pet insurance for English Bulldogs 

Company Deductible Annual Reimbursement % Monthly Price Age of Dog
Healthy Paws $500 70% $64 5 year old
Lemonade $500 70% $35 5 year old
Spot $500 70% $70 5 year old
Healthy Paws $500 80% $33 1 year old
Lemonade $500 80% $24 1 year old
Spot $500 80% $54 1 year old
Healthy Paws $500 70% $39 3 month old
Lemonade $500 70% $36 3 month old
Spot $500 70% $83 3 month old

Average cost of typical vet procedures

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

Average cost of emergency vet procedures  

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

Common health issues for English Bulldogs

Purebreds, like English Bulldogs, often have health issues. Over time, certain breeders have overlooked genetic factors during English Bulldog breeding, leading to health concerns that have impacted the broader English Bulldog population. As a whole, English Bulldogs are more susceptible to genetic health challenges than other breeds.

Frequently observed health concerns among English Bulldogs encompass:

  • Hip Dysplasia
  • Brachycephalic Obstructive Airway Syndrome (BOAS)
  • Skin Infections and Allergies
  • Cherry Eye
  • Joint Problems
  • Heart Conditions

Is pet insurance worth it for English Bulldogs?

Pet insurance serves as a safeguard against unforeseen veterinary expenses. While many pet owners personally cover their pet’s medical bills, most Americans aren’t equipped to handle a sudden $1500 veterinary emergency. The right pet insurance can truly be a rescue in such situations. Having coverage empowers you to base medical choices for your beloved pet on their quality of life rather than financial constraints.

The worth of pet insurance greatly hinges on your expectations. If your pet is presently receiving treatment for a persistent ailment and you seek assistance with the treatment expenses, it’s probable that you might be disappointed, as none of the companies in our assessment cover preexisting conditions.

Nevertheless, if you have a clear understanding of your policy’s coverage boundaries, align them with your budget and requirements, you’re much more inclined to find the policy to be a valuable investment.

How to find the best pet insurance company for you

Selecting the right pet insurance plan can be a puzzle, due to the diverse range of costs and options offered by different companies. To make an informed choice that suits your pet’s needs, keep these pointers in mind before you decide on coverage:

Check whether your pet is eligible

For puppies and kittens, the minimum age for insurance typically ranges from 6 to 10 weeks, varying by company. Some companies might not allow senior pets to enroll for the first time, or they could limit them to accident coverage exclusively. However, once your pet is enrolled, the majority of plans provide lifelong coverage as long as you keep up with the premium payments.

Research what’s covered

Pet insurance policies typically encompass costs related to surgery, hospital stays, and medications in case your pet faces illness or injury. However, certain aspects might come with additional charges or might not be covered by some companies. Here are a few instances:

  • Exam fees: Imagine your dog sustains a leg injury. While some plans will reimburse for X-rays, surgery, and pain meds, the veterinarian’s examination fee might not be covered.
  • Alternative therapies and rehab: Some companies include treatments like acupuncture and physical therapy in their basic plans, while others require extra payment.
  • Behavioral treatments: Not all policies extend coverage for veterinary assistance with aggression or other behavioral concerns.
  • Prescription food: Specific plans might exclude food or supplements even when prescribed by your vet for a covered ailment.
  • Dental care: Pet insurance policies differ in their approach to dental care. Your policy might not include dental illnesses such as gingivitis or periodontal disease. Alternatively, it might cover these only if your pet recently had a tooth cleaning. Certain add-on wellness plans cover cleanings.

Remember that pre-existing conditions, cosmetic procedures, and breeding-related expenses usually fall outside the scope of pet insurance coverage.

Decide how much coverage you want

The majority of pet insurance plans establish an annual payout ceiling, although a few have unlimited yearly limits. It’s up to you to determine the coverage level that brings you a sense of comfort when facing veterinary costs.
When your dog or cat is generally in good health, you might find yourself spending solely on routine care for several years. However, an unforeseen surgery or a severe illness could accumulate expenses reaching thousands of dollars.

Understand reimbursements and deductibles

The reimbursement process in most pet insurance plans involves a percentage of your veterinarian bill being paid back to you. During the plan purchase, you typically have the option to choose your preferred reimbursement level, which could be 70%, 80%, or 90%, for instance.

On the other hand, some plans adhere to a predetermined fee for specific treatments, a figure decided by the insurance company. This sum might be lower than your veterinarian’s charges, and you would be responsible for the difference.

Deductibles are a common aspect of most plans, representing the amount you personally pay before the policy coverage kicks in. You usually have a choice among various deductible amounts, like $100, $250, or others. Some plans apply the deductible to each treated injury or illness, while others require you to pay it annually.

Typically, the lower your own expenses are, the higher the coverage premium. Opting for a lower deductible and a higher reimbursement rate could lead to a pricier premium, while selecting a higher deductible and lower reimbursement rate might result in a more budget-friendly premium.

Check waiting periods

The majority of plans feature brief waiting durations after policy acquisition for general accident and illness coverage, often around 14 days. During this waiting period, any treatment expenses won’t be covered by the plan.
Certain plans involve extended waiting periods for specific conditions, like cruciate ligament injuries, which are a prevalent orthopedic issue among dogs. Cruciate ligaments play a vital role in knee stability, and injuries to them can impede a dog’s ability to walk comfortably.

Examine extra costs

A few pet insurance companies provide options for covering routine services like wellness check-ups and vaccinations. While this might seem appealing, it’s advisable to crunch the numbers to gauge if the added expense is justified. Compare the yearly cost of the wellness insurance plan with your own yearly expenditure on services that the plan covers. Pay attention to the specifics, as the scope of “wellness” coverage can differ between pet insurance providers.

Compare Quotes

Insurance expenses differ depending on the insurer and the coverage level you choose. A few pet insurance providers extend discounts, such as potential savings for insuring multiple pets. However, a discount alone doesn’t ensure the plan’s superiority in terms of value.

To determine the optimal insurance fit for your pet, it’s crucial to delve into the specifics and gather quotes from multiple plans. Ensure your comparisons are equitable by considering similar coverage extents, deductibles, and reimbursement limits.

Factors that impact cost of your pet insurance policy

Much like your health insurance, the price of pet insurance hinges on specific factors, including:

  • Geographical location: Pet insurance providers factor in local veterinary care costs when determining your policy’s cost.
  • Pet’s age: Typically, older pets face higher premiums due to their elevated likelihood of health issues.
  • Pet’s breed: Certain breeds have heightened susceptibility to health problems. For instance, bulldogs and Boston terriers often encounter breathing difficulties, while larger breeds like German Shepherds are more prone to hip dysplasia. These tendencies can impact your pet insurance cost.
  • Deductibles, coinsurance, and coverage limits: The amount you’re willing to pay upfront for your pet’s care affects your insurance premium. Opting for a lower deductible, for instance $100 instead of $500, means quicker reimbursement but a higher premium.

Information about English Bulldogs

English Bulldogs, known for their distinctive appearance and amiable character, are cherished among dog enthusiasts. Originating from England, they possess a stocky build and a unique, wrinkled face. With their compact size and endearing personality, they often make great companions for apartment living.

Calm and affectionate, English Bulldogs are well-suited to indoor living and are content with moderate exercise. Their loyalty to their owners is evident through their gentle disposition. Although they might not be the most active of breeds, their loving nature and charm make them cherished members of many households.

FAQs

Is pet insurance cheaper for purebred dogs?

Due to their higher likelihood of having genetic inclinations towards expensive illnesses and conditions, purebred dogs often come with higher insurance costs compared to mixed-breed dogs.

What is the average cost of owning a English Bulldog?

Initial expenses in the first year amount to approximately $3,000, covering vaccinations, food, grooming, and insurance. However, the subsequent yearly costs decrease to around $1,900.

What insurance do you need for a dog?

Having a certain level of pet insurance for your dog is advisable, enabling you to manage veterinary expenses and maintain your dog’s health and well-being.

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