Best Pet Insurance For French Bulldogs In 2024

From my knowledgeable standpoint, Healthy Paws emerges as the top pick for best pet insurance for French Bulldogs.

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Updated: 08 May 2024
Written by Bob Phillips
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If you own a French Bulldog, its overall health and well-being are extremely important to you. Due to their purebred nature, French Bulldogs are more prone to hereditary health issues compared to mixed-breed dogs. Sadly, a significant 80% of pet owners are not financially prepared to manage an unexpected $500 veterinary expense. This is where pet insurance comes into play, providing a financial safety net.

In this review, we will explore the leading pet insurance options for French Bulldogs, assisting you in finding the policy that best suits your specific needs. Pet insurance operates similarly to personal health coverage, offering improved treatment options while capping potential out-of-pocket costs. However, unlike personal health insurance, the cost remains reasonable and affordable.

Best Pet Insurance Companies For French Bulldogs 2024

Various pet insurance providers catering to French Bulldogs share common aspects, ensuring your pet's well-being and minimizing financial uncertainty. Nevertheless, they also possess critical differences. Hence, what suits your neighbor's pet might not be best for your own.

Now, let's delve into an analysis of the top pet insurance companies for French Bulldogs:

Best Overall - Healthy Paws
Best Cheap Coverage - Lemonade
Best for Puppies - ManyPets
Best Pet Insurance, French Bulldogs 2024

Comparison Of The Best Pet Insurance For French Bulldogs

Based on our examination of the top pet insurance options for French Bulldogs as discussed previously, it's clear that several well-regarded companies are vying for top spots. Additionally, you can see that each company brings its own distinct benefits. Here's a brief summary to offer you a glimpse into each insurer:

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

15 days accident/illness

70% or 80%
(most states)


Unlimited annual and lifetime


Instant Quote

14 days accidents/illnesses



$10,000 , $20,000 or unlimited

Older Dogs

Instant Quote
Healthy Paws

15 days accident/illness

70%, 80%, 90%


Unlimited annual and lifetime


Instant Quote

2 days accident, 14 days illnesses

70%, 80%, 90%


$5,000 to $100,000 annually


Instant Quote

14 days accident/illness

70%, 80%, 90%


$2,500 to unlimited

Multiple Pets

Instant Quote
Scroll to see comparisons

Our Methodology

The evaluations and consequent ratings were compiled by reviewing the websites of each insurer, assessing feedback from customers, referencing other review platforms, and drawing from personal encounters with having previously purchased and utilized pet insurance.


Quotes Analyzed


Years Of Experience


Brands Reviewed


Research Hours

Reviews Of The Best French Bulldog Insurance Companies

Best Overall

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
10/10 Claims
10/10 Coverage Level

Why We Like Them

Healthy Paws emerges as the best  option for pet insurance, distinguished by its lack of claim payout limits, incident-specific maximums, or caps. While it might involve a higher initial cost, this option justifies its worth by erasing the necessity to put your pet down because of policy limits.

Healthy Paws presents a clear-cut policy, void of costly add-ons, and offers the freedom to seek advice from any licensed veterinarian. The procedure for submitting claims is streamlined through their mobile app or website, with most claims settled in as little as two days.

Benefits & Drawbacks

  • Unlimited annual and lifetime payouts
  • Swift processing of most claims within 48 hours
  • 30-day money-back guarantee
  • Possibility for direct vet payments
  • Lack of a routine wellness coverage option

Runner-Up For Best Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

Lemonade emerges as the cheapest choice for pet insurance when considering French Bulldogs. While its coverage boundaries align with those of other evaluated companies, they differ from the unlimited limits provided by Healthy Paws. Lemonade’s coverage ranges from $5,000 to $100,000 per year, with the premium increasing as the selected limit does.

Lemonade’s standard policy encompasses accidents and illnesses, spanning from cancer and heart disease to skin conditions, fractures, and the common concern of hip dysplasia in older French Bulldogs. As is typical among insurers, Lemonade does not cover preexisting conditions, dental issues, behavioral concerns, or elective procedures.

Benefits & Drawbacks

  • Access an optional wellness plan.
  • Enjoy a short accident waiting coverage period of only two days.
  • Get a 10% discount by bundling pet insurance with your existing Lemonade home, renters, or car insurance.
  • No provision of a 24/7 pet telehealth line.
  • The coverage for vet exam fees comes with an extra cost.
  • Unfortunately, prescription food and microchipping are excluded from the policy.

Best For Older Dogs

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

As French Bulldogs age, they may encounter hereditary health concerns such as cruciate ligament issues and hip dysplasia, necessitating costly treatments. Pumpkin eliminates waiting periods for these conditions and includes coverage for vet exam fees for your senior French Bulldog.

Pumpkin presents diverse coverage options addressing a range of problems that French Bulldogs might confront, encompassing surgeries and dental problems. You have the flexibility to select from three deductibles, with reimbursement typically set at 90%.

Benefits & Drawbacks

  • Opt for enrolling in an optional wellness plan.
  • Take advantage of discounts when insuring multiple pets.
  • Experience a significant 90% reimbursement for dogs and cats aged 8 weeks and older.
  • Unfortunately, a 24/7 pet telehealth line is not included in the offering.
  • Sadly, an accident-only plan is not offered.

Best For Multiple Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Claims
10/10 Coverage Level

Why We Like Them

Many individuals who own French Bulldogs frequently have multiple pets due to the French Bulldog’s affable demeanor. Spot recognizes this and extends a 10% discount when you insure more than one pet with them, leading to substantial savings.

Spot’s additional preventive care plan encompasses wellness necessities, such as an annual vet visit, a fecal test, and teeth cleaning. Certain vaccinations are also included in the coverage.

Furthermore, Spot guarantees a 30-day money-back option if the coverage or service falls short of your expectations. They additionally offer reimbursement of up to 90% on eligible vet bills and a round-the-clock vet helpline. You’re at liberty to consult any vet or specialist licensed in the U.S.

Benefits & Drawbacks

  • Includes microchipping services.
  • Provides the choice of a low $100 deductible.
  • Offers a readily available 24/7 pet telehealth line.
  • Accidents entail a 14-day waiting period, in contrast to the 2-day waiting period observed in certain top competitors.

Best For Puppies

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

ManyPets delivers the most favorable coverage for puppies. Rates remain constant regardless of pre-existing conditions, and cured conditions might become eligible for coverage after an 18-month timeframe. Furthermore, unrelated conditions can still be eligible for coverage.

Much like all young dogs, French Bulldogs during their puppy phase are vulnerable to different illnesses such as poisoning, ingestion of foreign objects, and accidents stemming from their spirited energy. Securing coverage during their initial stages significantly diminishes the chances of facing exclusions tied to pre-existing conditions as they grow older.

Benefits & Drawbacks

  • Available in more than 40 states.
  • Includes coverage of vet exam fees for both illness and accident-related visits.
  • Offers the option of choosing optional wellness plans.
  • Does not feature a 24/7 pet telehealth line.
  • Does not cover pet behavioral therapy.

Average Cost Of Pet Insurance For French Bulldogs

Company Monthly Price Deductible Annual Reimbursement % Age of Dog
Healthy Paws $76 $500 70% 5 year old
Lemonade $43 $500 70% 5 year old
Healthy Paws $40 $500 80% 1 year old
Spot $79 $500 70% 5 year old
Lemonade $25 $500 80% 1 year old
Lemonade $31 $500 70% 3 month old
Healthy Paws $40 $500 70% 3 month old
Spot $55 $500 80% 1 year old
Spot $89 $500 70% 3 month old

Average Cost Of Typical Vet Procedures

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

Average Cost Of Emergency Vet Procedures

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

Common Health Issues For French Bulldogs

In the world of purebred dogs like French Bulldogs, breed-specific health matters are frequent. In certain cases, specific breeders might have neglected genetic aspects in their French Bulldog breeding methods, resulting in challenges that impact the wider French Bulldog community. In comparison to other breeds, French Bulldogs generally demonstrate higher vulnerability to genetic health issues.

Here, we’ll highlight several common health concerns frequently observed in French Bulldogs:

  • Brachycephalic Obstructive Airway Syndrome (BOAS)
  • Heat Stroke
  • Eye Issues (Dry Eye, Cherry Eye, Entropion and Corneal Ulcers)
  • Skin fold Dermatitis and Skin Infections
  • Hip and Elbow Dysplasia
  • Ear Infections and Deafness

Is Pet Insurance Worth It For French Bulldogs?

Pet insurance stands as a safeguard against unexpected veterinary expenses. While many pet owners cover their pet’s medical costs, a significant portion of Americans can’t handle a $1500 emergency vet bill. The right pet insurance is akin to a lifeline. It empowers you to prioritize medical decisions for your furry family member based on their well-being, not financial constraints.

The value of pet insurance rests on your expectations. If your pet is currently receiving treatment for a chronic condition and you’re seeking assistance with treatment expenses, you might encounter disappointment as no company in our assessment covers preexisting conditions.

Nevertheless, if you grasp your policy, understand its coverage extent, and align it with your budget and needs, you’re more likely to perceive the policy as a valuable investment.

How To Find The Best Pet Insurance Company For You

The costs and types of pet insurance plans available in the market vary across companies, which can complicate the process of choosing the right one. To pinpoint the most suitable plan for your pet, consider these guidelines before finalizing your coverage:

Check Whether Your Pet Is Eligible

For young puppies and kittens, getting insurance generally necessitates an age of at least 6 to 10 weeks, varying by the company. Some companies might not permit initial enrollment for senior pets, or they might confine them to accident-only coverage. Nevertheless, once your pet is enrolled, most plans offer lifelong coverage as long as you consistently maintain premium payments.

Research What’s Covered

Pet insurance plans generally cover expenses such as surgeries, hospital stays, and medications in case your pet becomes ill or sustains an injury. However, there are specific aspects that some companies may charge extra for or exclude from coverage. Here are a few examples:

  • Exam fees: Consider if your dog breaks a leg. While certain plans might reimburse costs for X-rays, surgery, and pain medications, they might not include the vet’s examination fee.
  • Alternative treatments and rehabilitation: Some companies incorporate coverage for treatments like acupuncture and physical therapy in their standard plans, while others might require an additional fee.
  • Behavioral therapies: Not all policies extend to veterinary treatment for behavioral issues like aggression.
  • Prescription food: Specific plans might not cover food or supplements, even if prescribed by your vet for a covered condition.
  • Dental care: Pet insurance plans differ regarding oral health. Some might exclude dental problems like gingivitis or periodontal disease. Alternatively, coverage might relate to recent tooth cleaning. Certain wellness add-ons might cover cleanings.

Remember, pre-existing conditions, cosmetic procedures, and breeding expenses typically do not fall under the coverage of pet insurance policies.

Decide How Much Coverage You Want

The majority of pet insurance plans establish an annual maximum payout, although a handful do not have a yearly cap. It’s your decision to figure out the amount that gives you a reassuring level of protection when dealing with veterinary costs.

If your dog or cat enjoys robust health, you might sail through years without needing to handle anything beyond routine care. Nevertheless, unexpected surgeries or serious illnesses could lead to accumulating expenses that stretch into thousands of dollars.

Understand Reimbursements And Deductibles

In the realm of pet insurance, the majority of plans offer reimbursement for a portion of your veterinary expenses. Typically, you have the liberty to choose a reimbursement level when acquiring the plan, such as 70%, 80%, or 90%.

In contrast, alternative plans abide by the insurance company’s predetermined fee for a specific treatment, which could be lower than your veterinarian’s charges. Consequently, you would be accountable for bridging the difference.

Most plans also encompass a deductible— the initial amount you pay before the policy kicks in. You usually have the option of varying deductibles, like $100, $250, or beyond. Certain plans apply deductibles to each treated injury or illness, while the majority require you to pay the deductible annually.

In general, the lower your individual costs are, the higher your coverage expenses become. Opting for a lower deductible and a higher reimbursement rate could result in a more expensive premium. Conversely, choosing a higher deductible and a lower reimbursement rate might lead to a more economical premium.

Check Waiting Periods

The majority of policies incorporate short waiting periods following policy purchase for comprehensive accident and illness coverage, usually spanning around 14 days. During this interval, treatments won’t be covered by the plan.

For particular conditions such as cruciate ligament injuries, some policies impose extended waiting periods. These ligaments contribute to stabilizing the knee, and injuries to them can impede a dog’s mobility.

Examine Extra Costs

Certain pet insurance providers extend coverage for routine services such as wellness check-ups and vaccinations. While this might be attractive, it’s crucial to evaluate whether the extra cost truly holds value. Compare the annual expense of the wellness insurance plan against the amount you would individually pay each year for the services covered by the plan. Ensure to diligently scrutinize the details, as the elements categorized as “wellness” can vary among pet insurance companies.

Compare Quotes

Insurance costs vary depending on the provider and the extent of coverage. Some pet insurance companies offer discounts; you might save money by insuring multiple pets. However, a discount alone doesn’t guarantee that a plan is the best option.

The only way to find the most fitting insurance for your pet involves diving into the details and obtaining quotes for different plans. Make sure you’re conducting a fair comparison, considering similar coverage levels, deductibles, and reimbursement limits.

Factors That Impact Cost Of Your Pet Insurance Policy

Similar to your health insurance, the expense of your pet insurance can fluctuate due to specific factors, including:

  • Location: Pet insurance companies factor in local veterinary care costs when determining your policy’s rate.
  • Pet’s Age: Older animals are more susceptible to health issues, leading to higher premiums.
  • Pet’s Breed: Certain breeds are more prone to health problems. For instance, breeds like bulldogs and Boston terriers often face breathing difficulties, whereas larger breeds like French Bulldogs have an elevated likelihood of hip dysplasia. These potential concerns can influence the cost of your pet insurance plan.
  • Deductibles, Coinsurance, and Coverage Limits: The less you’re willing to personally cover for your pet’s care, the higher your insurance premium becomes. For example, choosing a $100 deductible instead of a $500 one results in quicker reimbursements for your pet’s care, albeit with higher premiums.

Information About French Bulldogs

Renowned for their endearing charm and distinctive appearance, French Bulldogs are cherished as a beloved and captivating dog breed. With their origins in France, they were initially bred as companion dogs, known for their affectionate nature and charming personality. Adorned with a unique bat-like ear shape, French Bulldogs come in various coat colors, with the ever-popular fawn and brindle being particularly iconic.

Lively and sociable, French Bulldogs thrive in cozy environments and enjoy indoor activities. Their delightful character and adaptability make them wonderful companions for various households. Forming strong bonds with their owners, French Bulldogs exhibit both playfulness and devotion. Revered for their cheerful disposition and delightful quirks, French Bulldogs continue to capture hearts around the world.


Is pet insurance cheaper for purebred dogs?

Because purebred dogs tend to be more susceptible to genetic vulnerabilities resulting in costly ailments and conditions, their insurance coverage usually comes at a higher cost compared to mixed-breed dogs.

What is the average cost of owning a French Bulldog? 

The initial costs in the first year add up to approximately $3,000, encompassing vaccinations, food, grooming, and insurance. However, the annual expenses in the following years decrease to around $1,900.

What insurance do you need for a dog? 

It’s recommended for dog owners to have a certain level of pet insurance. This ensures their ability to handle veterinary costs, thereby maintaining their dog’s health and well-being.

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