Best Pet Insurance for French Bulldogs – Top 5 Insurance Companies

Best Pet Insurance for French Bulldogs

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Want to jump straight to the answer?

Lemonade - Best for those seeking digital insurance.
Healthy Paws - Best for pet owners in need of comprehensive coverage and excellent customer service.
Prudent Pet - Best for pet owners looking for customizable insurance plans.
Figo - Best for those wanting comprehensive pet insurance with an easy-to-use mobile app.
ASPCA - Best for individuals interested in supporting animal welfare and accessing pet health insurance as a service.

The Frenchie is a lovely family pet with a frisky demeanor – the perfect example of a tiny dog with a huge personality. Despite how adorable these pups are, they sadly have a tendency to develop major health problems. 

In fact, this breed is prone to several health issues that will eventually require treatment. Purchasing pet insurance for your Bulldog is crucial to ensure you have the means to cover these conditions.

The majority of dog owners are concerned about the cost of treatments since they can be pretty expensive. Thankfully, dog health insurance will assist you in paying for your pup’s medical expenses, such as surgery, prescription drugs, and veterinarian visits.

We’ve found the best pet insurance for French Bulldogs that would gladly cover your pet’s needs – read on as we discuss them in more detail!

Overview of the Top 5 French Bulldog Pet Insurance Companies

Pet insurance is an excellent way to ensure that your pet is properly treated in case of an emergency and that you won’t end up with a headache-inducing medical bill. 

The top pet insurance providers offer quality support for dog owners, wellness and routine care alternatives, and various coverage options depending on your requirements and budget.

We examined the plans, costs, and advantages of the top 5 pet insurance providers for French Bulldogs on the market. Additionally, we graded them on important criteria, including coverage, plan alternatives, eligibility, customer service, price, and reputation.

Be sure that your puppy will have a happy and healthy life with one of the following pet insurance companies:

Company Rating Pet Age Claims’ Expiration Date Average Reimbursement Time Deductibles
CompanyLemonade Rating4.8 Pet AgeMinimum 8 weeks old to enroll Claims’ Expiration Date180 days Average Reimbursement Time2 days Deductibles$200, $300, $500, $750, $1,000
CompanyPrudent Pet Rating4.5 Pet AgeMinimum 8 weeks old to enroll Claims’ Expiration Date90 days after policy ends Average Reimbursement Time1-7 days Deductibles$100, $250, $500
CompanyHealthy Paws Rating4.6 Pet AgeMinimum 8 weeks old to enroll Claims’ Expiration Date90 days Average Reimbursement Time3-4 days Deductibles$100, $250, $500, $1,000
CompanyFigo Rating4 Pet AgeMinimum 8 weeks old to enroll Claims’ Expiration Date180 days Average Reimbursement Time8 days DeductiblesVaries based on the age of the pet
CompanyASPCA Rating4 Pet AgeMinimum 8 weeks old to enroll Claims’ Expiration Date270 days Average Reimbursement Time9 days Deductibles$100 to $1,000
French Bulldog Pet Insurance

You will find all the information you need to choose the right insurance company for your French Bulldog in the section below. We’ve provided a thorough assessment of all 5 businesses and their offers.

French Bulldog Insurance by Lemonade

Lemonade is one of America’s most famous insurance companies located in the New York City area. Founded in 2015, the provider mainly focused on insurance for homeowners, as well as car and home renters. 

It wasn’t until 2020 that they came out with the next big thing and released their pet insurance packages. The industry in the USA lacks companies offering pet insurance, and Lemonade took that as a chance to offer their own policies. 

Their pet premiums start at $10/per month, but the cost eventually depends on multiple factors like dog breed, age, location, etc. In the New York City area, the starting prices of insuring pets may get up to $38 per month. 

Lemonade is available in 37 US states, and their amazing mobile app offers remote help and advice anytime, anywhere. What’s more, if you’re insuring more than one dog, you’ll get a discount on your policy.

Lemonade only offers one subscription plan, but the company also allows you to purchase additional coverage with add-ons. You can choose to cover vet visits, physical therapy, end-of-life, behavioral conditions, and preventative care.


  • 5% off if insuring 2 pets;
  • High annual caps;
  • Hassle-free mobile app;
  • Medical advice chat with professionals;


  • Only 1 coverage package available;
  • Doesn’t cover all US territories.

French Bulldog Insurance by Prudent Pet 

Prudent Pet has answered the call to offer budget-friendly pet insurance for every family and household. That’s why they have packages that provide insurance only in case of accidents (their basic package), as well as pet insurance for accidents + illness coverage.

Aside from this, Prudent Pet has a generous offer of add-ons for your pet’s policy, such as veterinary fee coverage or wellness coverage. This allows you to further customize your pet insurance plan to your liking and your budget. 

With Prudent Pet, insuring multiple pets will get you a 10% discount. There are also no upper age limits, so you can purchase your French Bulldog an insurance policy at any point in its life. 

Also, Prudent Pet may reimburse you for ailments related to pre-existing conditions. Usually, these are not part of insurance package benefits, however, Prudent Pet grants you a period of up to 6 months in which you may try to resolve a condition. If the situation improves, they will allow reimbursement for that condition should your dog develop it again.


  • No upper age limit on dogs;
  • Multiple add-ons;
  • Available in all states;
  • 24/7 available live chat;


  • Long waiting periods for certain issues;
  • Costly premiums for older dogs.
Prudent Pet Insurance

French Bulldog Insurance by Healthy Paws

Healthy Paws was founded in 2009, along with their Healthy Paws Foundation, giving to pet shelters and helping animals across the United States. 

Aside from the fair share of insurance options for pet parents, Healthy Paws allows you to use every licensed veterinarian in case of emergency. You can walk into any facility, get your dog the help they need, and later you’ll be reimbursed for the cost. 

How much Healthy Paws covers depends on your chosen reimbursement rate and deductible. However, the provider doesn’t have a payout limit, so no bill is too high, and the Healthy Paws team can always lend a helping hand.

Healthy Paws offers extensive coverage under their plan that covers emergency care, surgeries, prescription medication, and even some alternative treatments. However, there is no option to cover wellness exams and preventative care.


  • Unlimited per-incident, annual, and lifetime coverage;
  • 24/7 assistance;
  • Quotes contribute to funds donated to shelters;


  • Wellness and routine care are off their list;
  • 12-month waiting period for hip dysplasia for dogs;
  • Pets older than 6 are not eligible for hip dysplasia coverage.

French Bulldog Pet Insurance by Figo

Figo is a Chicago-based company, providing pet insurance for cats and dogs since 2015. It’s available across all 50 states, so it’s one of the most accessible pet insurance companies. 

Figo’s mobile app makes the insurance process easier and more efficient. You can take care of things from the comfort of your home and track your plan, payments, claims, etc. 

Additionally, the Fido Online pet society allows customers to engage in their pet’s life, discussing grooming and vet locations near them with other pet owners. This is also a good spot to discuss potential hazards and illnesses and how to cope with them in case of emergency. 

Figo covers a long list of illnesses and conditions – more than most competitors. They will reimburse you for diagnostics, hospitalization, prescribed medication, holistic and alternative treatments, rehabilitation, mobility devices, euthanasia, and more.

The company also offers a few add-ons that you can purchase to cover wellness and routine care, vet fees, and extra care (final respects, lost pet advertising, property damage liability, etc.).


  • No upper age limit on dogs;
  • Available nationwide;
  • Hassle-free claims through the mobile app;
  • Pet Cloud community;


  • Expensive premium for older dogs;
  • 6-month waiting period for orthopedic conditions.
Figo Pet Insurance

French Bulldog Pet Insurance by ASPCA

ASPCA is an abbreviation for the American Society for the Prevention of Cruelty to Animals. To this day, it’s one of the largest-spread organizations for a humane and holistic approach toward animal welfare. 

ASPCA offers two plans for your French Bulldog – Accident-Only and Complete Coverage. The Accident-Only policy will reimburse you for any exam fees, diagnostics, and prescribed treatments needed as a result of an accident.

Meanwhile, the Complete plan covers both accidents and illnesses, dental diseases, hereditary and congenital conditions, as well as behavioral issues. You can choose a preventative care package on top of both plans.

ASPCA allows you to customize your plan, however, you can only make your annual deductible $100, $200, or $500. Also, you have to select the annual limit, which can only go up to $10,000.

Similar to competitors, ASPCA offers a 10% discount on multiple pet insurance policies and an option to choose whether you pay monthly or yearly.


  • A renowned organization devoted to animals;
  • Alternative treatments coverage;
  • 10% off for multiple pets;
  • Affordable accident-only plan option;


  • Annual limit only goes up to $10,000;
  • Limited choices of deductibles.
ASPCA Pet Insurance

Common Health Issues in French Bulldogs

A healthy and happy Frenchie can live up to 15 years. Though your dog’s natural lifespan somewhat depends on its genetics and line of breeding, there are many things you can do to prolong your pup’s time on this Earth. 

Let’s have a look at the most common health issues and diseases you should be on the lookout for.


All dogs are prone to allergies, just like us humans. However, French bulldogs are at the top of the list, being known as the breed that’s most susceptible. There are even rare circumstances where allergies can cause visible swellings on a Frenchie’s skin.

However, in most cases, your dog won’t exhibit such severe symptoms. If a French Bulldog does have allergy issues, it will usually sneeze a lot, scratch itself using its paw or other surfaces, and even bite its body. 

Your French Bulldog may be reacting to dust mites and pollen, but it could also be hypersensitive to the following foods: 

  • Chicken;
  • Eggs;
  • Dairy;
  • Lamb;
  • Corn;
  • Wheat;
  • Soy.

Thus, in order to prevent allergy symptoms and keep your dog healthy, make sure to be aware of your Frenchie’s diet restrictions and feed them accordingly. 

Conjunctivitis – Eye Infection ($600 for treatment)

The French Bulldog has a very distinctive appearance – a flat face, short legs, and large eyes that are exposed to many possible infectants. Conjunctivitis is a common health issue that comes hand-in-hand with the breed’s features. 

Pinkeye, the other name for conjunctivitis, is an infection of the transparent membrane that lines the eyes. In order to prevent this issue, make sure to keep your dog’s face clean. 

If you notice growing swelling and teary eyes, it may be time to take your Frenchie for a regular vet visit. Many insurance policy riders cover routine exams and will be able to reimburse you whenever you get your dog checked out.

BAS – Brachycephalic Airway Syndrome ($850 for treatment)

Another risk and possible health concern for Frenchies and their faces is BAS, or brachycephalic airway syndrome. This is a serious condition that affects airflow through the dog’s nose and airways and makes inhaling more difficult. 

Although more than 50% of French Bulldogs can suffer from breathing problems, not all of them will have BAS. So, if you’re wondering if your Frenchie has it just because they snore – don’t worry, as they all snore. The signs that are more indicative of BAS include: 

  • Vomiting, retching, or regurgitating;
  • Intolerance to heat and lengthy cool-off periods;
  • Quick onset of fatigue and panting.

Since it’s genetic, there’s not much you can do to prevent this highly likely Frenchie disease. One measure is making sure your dog doesn’t become overweight, which would increase the chances of BAS. However, for the most part, all you can do is watch out for symptoms and go to the vet when needed.

This is a good example of why your pet insurance plan needs to be tailored to your dog specifically. If a provider doesn’t cover hereditary or congenital issues, it’s not a good pick for your French Bulldog, who may likely need BAS treatment.

Ear Infection- Otitis Externa ($300 for treatment)

The famous Frenchie “bat” ears are another inherited trait that can cause health problems for the breed. 

The external area of the ear is very wide and open, while the internal ear canal is really narrow. This makes it really easy for bacteria, debris, and dust particles to get stuck inside and cause infections.

Your dog may be acting differently, but it can’t always tell you it’s in pain. To spot an ear infection, make sure to check on your dog’s ear canals from time to time. If there’s excessive greasy wax tissue, then it’s probably infected. 

When you notice this – don’t play doctor and go to the vet. Though it shouldn’t be anything serious, there can be severe swelling in some cases, which will be extremely painful for your furry friend.

Skin Issues

The French Bulldog is recognizable for its folded skin and wrinkled face. This also causes some skin issues not typical for other dog breeds that don’t share that same look.

Skin Fold Dermatitis ($300 for treatment)

This is the most typical skin infection your Frenchie can suffer from. They’ll likely have to deal with it not once but multiple times during their life, especially when it’s hot. 

As the name suggests, this disease appears on the folded parts of your dog’s skin – most usually the armpits, vulva, and the region around the neck. 


Though this is a totally different skin disease – in Frenchies, it’s usually considered to be “phase 2” of skin fold dermatitis. This is because pyoderma is caused when the scratches and wounds that appear in the folded skin area get infected.

But this is nothing that an antibiotic cream can’t solve, so make sure to always have one around your house. Don’t hesitate to talk to a vet and apply some of that cream on your Frenchie whenever you notice excessive scratching or visible wounds. 

Hemivertebrae ($9,000 for treatment)

Hemivertebrae is a condition where a dog is born with an abnormally shaped skeleton, particularly the spine region. This can lead to pain, wobbliness, loss of function of the hind legs, and incontinence. 

Thus, there’s a good chance that some of your baby Frenchies might need surgical intervention or additional mobility devices. These will cost extra dollars, especially if you don’t have pet insurance for them.

Even if born perfectly normal, French Bulldogs have a higher tendency to develop skeletal and mobility issues as they age due to their compressed body structure. So, always be vigilant of your dog’s behavior and watch out for possible problems.

How Much is Pet Insurance for a French Bulldog

How Much is Pet Insurance for a French Bulldog? 

French Bulldogs are one of the most popular pure breeds with long lines of heritage. Unfortunately, pedigree breeds are often at a higher risk of inherited diseases and other abnormalities. This means that the cost of insuring Frenchies is usually higher than insuring crossbreeds.

Insuring a French Bulldog in the States can cost between $40 and $90 on average. The price doesn’t only depend on the breed but also on the provider, policy plan, age of the animal, location, etc.

Let’s check exactly how much pet insurance for a French Bulldog costs across different states in the USA.

As you can see from the table, prices are different across states. However, no matter where you are, it’s perfectly normal for the premium to rise as your dog gets older. 

State Average Premium for 6-month Puppy Average Premium for 18-month Dog Average Premium for <6-year Dog
StateAlabama Average Premium for 6-month Puppy$63.00 Average Premium for 18-month Dog$63.00 Average Premium for <6-year Dog$83.77
StateNew York Average Premium for 6-month Puppy$71.58 Average Premium for 18-month Dog$71.58 Average Premium for <6-year Dog$90.37
StateIlinois Average Premium for 6-month Puppy$63.54 Average Premium for 18-month Dog$63.54 Average Premium for <6-year Dog$80.45
StateGeorgia Average Premium for 6-month Puppy$59.57 Average Premium for 18-month Dog$59.57 Average Premium for <6-year Dog$75.45
StateWashington Average Premium for 6-month Puppy$65.00 Average Premium for 18-month Dog$63.03 Average Premium for <6-year Dog$79.37

Buying Guide: How To Select The Best Pet Insurance for French Bulldogs? 

Instead of just buying whatever seems like the most affordable option for you, it’s better to understand what it is that you’re actually in need of your Frenchie and look at the big picture. 

Read Reviews

An insurance plan may sound perfect on paper, but what about in real life? Make sure to check out reviews that people have left on pet forums about actual experiences with the company. 

Get Coverage for Hereditary Conditions

Frenchies are genetically predisposed to certain conditions, and they also have a high tendency to be born with disabilities, especially immobility. Thus, you should ensure necessary treatment options are included in your coverage. 

Ask Your Vet for Advice 

Your vet is highly involved in your dog’s life and health and is familiar with the breed’s potential issues. Vets also usually know about all the top pet insurance companies and might be able to give you valuable advice on which policy to choose.

Consider Reimbursement and Deductibles

Most pet insurance providers allow you to customize your annual deductible and reimbursement rate. These will impact the cost of your plan and what percentage of the vet bill you’ll be paying yourself. By choosing different values, you can tailor a plan to work for you and your financial means.

Best Pet Insurance for French Bulldogs

Conclusion: The Best Pet Insurance for Your French Bulldog

We’ve offered an in-depth analysis of some of the best pet insurance providers on the US market today. Though they differ in terms of price and benefits – all five of the companies mentioned provide amazing protection in the event of accidents and illnesses. 

Everyone’s budget is not the same, but every pet owner needs to be able to give their Frenchie proper treatment. This is one of the most expensive dog breeds to raise and care for, and they have some unique disease predispositions. 

Thus, insurance for French Bulldogs can be extremely helpful and sometimes essential. By investing in pet insurance for your Frenchie, you’ll be protecting both your pet and your own pocket from unexpected events!


Yes, pet insurance is especially valuable for pedigree breeds like the French Bulldog. These dogs can suffer from congenital issues, and they’re allergy-prone. They’re also sensitive to many common-day diseases and threats. 

Pet insurance coverage differs from one company to the other, but you should always expect sudden illnesses and accidents to be covered within your pet insurance policy. 

This will include the cost of diagnosis, surgery, treatment, and prescribed medication. Some, but not all, providers cover holistic treatment options, rehabilitation, and mobility devices.

The price for insuring a French Bulldog varies from one company to the other, as well as across states. Additionally, price is largely impacted by your dog’s age. 

However, the average price of insuring a Frenchie in the US is usually between $40 and $90.

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