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Insurance Pet Insurance

Pet Insurance for French Bulldogs

Updated Jan 22, 2024   |   6-min read

French Bulldogs are one of the most popular dogs. While French Bulldogs are known for their fun personalities and relatively easy care, there can be added costs to care for one appropriately.

Not only do dog owners have to cover routine care like vaccines and teeth cleanings, there is also a need to take care of unplanned costs due to sickness or injuries. French Bulldogs can be more expensive breeds to own because of these extra, yearly veterinary expenses.

Fortunately, pet insurance for French Bulldogs can help in keeping out-of-pocket costs down for dog owners. Paying a small premium each month can help pet owners eliminate thousands of dollars of veterinary care they had not planned for, and ensure their pet gets the care they need when necessary. Here are some things to consider when it comes to pet insurance for French Bulldogs.

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Best Pet Insurance for French Bulldogs

The companies below are great options for those looking to cover their french bulldog with pet insurance. Make sure to compare policy information to find coverage that meets your needs.

Spot: Best selection of terms

  • Deductible: $100 – $1,000
  • Reimbursement: 70%, 80%, or 90%
  • Benefit limit: $2,500, $4,000, $5,000, $7,000, $10,000, or unlimited

Spot provides insurance policies that cover accidents, medications, diagnostics, exams, and treatments, and preventative plans for dental cleanings, vaccinations, and flea prevention. The company is committed to spreading the word about the benefits of pet insurance.

  • Age limit: 8 weeks+
  • Medical exam required: No
  • Premium range: $8 – $80
  • Discounts: Multi-pet discount
  • Waiting period: No
  • Policy options: Complete coverage, preventative care, and accident-only
  • Exclusions: Pre-existing conditions, non-FDA treatments, diets, daycare, and boarding

ASPCA: Best for reliability

  • Deductible: $100 – $500
  • Reimbursement: 70% – 90%
  • Benefit limit: $5,000 – Unlimited

ASPCA Pet Insurance offers a complete coverage plan that pays in case of accidents, illnesses, hereditary conditions, and behavioral issues. Plans are available with unlimited coverage maximums, meaning that your French Bulldog (and your wallet) will be protected no matter what happens. ASPCA is our top-rated pet insurance provider.

  • Age limit: 8 weeks+
  • Medical exam required: No
  • Premium range: $8 – $80
  • Discounts: Multi-pet discount
  • Waiting period: 14 days
  • Policy options: Complete coverage, preventative care, and accident-only
  • Exclusions: Pre-existing conditions, breeding costs, and cosmetic procedures

Embrace: Best for quick coverage

  • Deductible: $200 – $1,000
  • Reimbursement: 65% – 90%
  • Benefit limit: $5,000 – $30,000

Embrace Pet Insurance allows flexibility in choosing coverages, so you can customize your plan to better the needs of your golden retriever. Routine care, like training and grooming, is reimbursed through Embrace’s wellness rewards plan. They also cover the cost of exam fees.

  • Age limit: 6 weeks15 years
  • Medical exam required: Yes, if your pet hasn’t visited the vet in the past 12 months
  • Premium range: $15 – $50 on average
  • Discounts: 10% for each additional pet insured (5% in NY & RI), military discount
  • Waiting period: Illness – 14 days, Injury – 2 days, Special – 6 months for orthopedic conditions
  • Policy options: Complete coverage, accident-only, wellness
  • Exclusions: Pre-existing conditions, cosmetic procedures, breeding, DNA, testing, and cloning

Common Conditions for French Bulldogs

Like most dogs, there are conditions that impact a French Bulldog’s health more often than others, all requiring intervention from a qualified vet. When pet insurance is not in place, French Bulldog owners bear the burden of these vet costs. According to recent data from Trupanion, it is common for French Bulldogs to experience the following conditions:

  • Vomiting and diarrhea with an average cost of $700
  • ​Allergies averaging $500
  • ​An ear infection with an average cost of $200
  • ​Gastroenteritis costing $700 on average
  • An unknown mass with an average cost of $800

While these are the most common health issues veterinarians see with French Bulldogs, there are also other conditions the breed is more prone to experience. Hip dysplasia, respiratory issues, cherry eye, hemivertebrae, heat stress, and disc disease may all impact a French Bulldog at some point in their life. Having pet insurance for French Bulldogs can be beneficial to cover the costs associated with mild but common conditions, as well as more serious issues.

Pet Insurance Costs for French Bulldogs

To know if pet insurance for French Bulldogs is worth it, pet owners must first know the cost of the insurance coverage for the breed. The cost of pet insurance depends on the age of the dog, as well as any conditions the dog may have experienced in the recent past. Below are a few examples of pet insurance costs for French Bulldogs with no known medical issues.

  • 8 weeks old – $59.31 per month
  • ​4-years old – $82.57 per month
  • 10-years old – $146.55 per month

Each of the quotes above includes a deductible of $700, which represents the price paid by dog owners before the insurance coverage kicks in. The good news is that most pet insurance companies give the option to select a higher deductible, lower deductible, and reimbursement amounts based on their needs. The premium for pet insurance may increase or decrease depending on these factors.

What Is and Isn’t Covered

Each pet insurance company varies slightly in what they will and will not cover, but most dog owners can expect that accidents, illnesses, and some injuries will be covered up to the limits of their policies. Pet insurance often works as a reimbursement plan, meaning dog owners pay the vet bill up front, and then they submit for reimbursement after the fact. Pet insurers may offer coverage up to 100 percent of included costs for vet care, while others cover a smaller percentage.

In most cases, pet insurers will not cover pre-existing conditions for French Bulldogs or health issues they may be prone to in the future. Hereditary health issues, as well as some of the conditions listed above, may not qualify for reimbursement in any scenario. It is important for dog owners to understand these limitations for pet insurance on their French Bulldog before selecting a policy.

The best way to find the right pet insurance for your French Bulldog is to shop around with the best pet insurance companies. Each insurer provides a quote tool either online, via a phone call, or through email, making it easy to know what the total cost will be each month for coverage.

Additionally, pet owners need to review the amount of reimbursement available, the restrictions for health conditions covered and not covered, and any annual limits or deductibles included in the policy. By reviewing all of these things, you can ensure you find dog insurance that meets your needs.

>> Read More: Pet insurance rates by breed