Best Pet Insurance for French Bulldogs in 2025
French bulldogs are wonderful companions, but they can be prone to specific health issues. Pet insurance can help manage the costs of veterinary care. This guide highlights the best pet insurance options for French bulldogs, considering factors like cost, coverage, and customer service.
Our Expert Picks
- Pets Best: Best Overall
- Figo: Best for Reimbursement Choices
- Spot: Best for Annual Coverage Choices
- Embrace: Best for Healthy Pet Discount
Table of Contents
- Best Pet Insurance for French Bulldogs 2025
- What Is French Bulldog Pet Insurance?
- How Much Does Pet Insurance for French Bulldogs Cost?
- Why Does a French Bulldog Need Pet Insurance?
- What Does French Bulldog Pet Insurance Cover?
- What Does French Bulldog Pet Insurance Not Cover?
- How Does Pet Insurance for French Bulldogs Work?
- What Are Common Medical Problems for French Bulldogs?
- Methodology
Best Pet Insurance for French Bulldogs 2025
Choosing pet insurance tailored for a French bulldog involves understanding their breed-specific health risks. This guide will help you make an informed decision.
Best Overall: Pets Best
Pets Best stands out as the top choice for French bulldogs due to its comprehensive coverage and competitive pricing.
- Pros: Offers a wide range of deductible choices and the ability to pay your vet directly. They also provide a multi-pet discount.
- Cons: There’s a six-month waiting period for cruciate ligament issues, and unlike many other plans, it doesn’t cover alternative therapies.
Coverage & Costs
- Cost for a French bulldog with unlimited annual coverage, a $250 deductible, and 80% reimbursement:
- $94 per month.
- Waiting periods:
- 3 days for accidents.
- 14 days for illnesses.
- 6 months for cruciate ligament conditions.
- Age restrictions: Available for pets 7 weeks and older; no upper age limits.
- Multi-pet discount: 5%.
- Euthanasia or end-of-life expenses: Included.
- Vet exam fees: Included with Plus and Elite plans.
- Microchipping: Yes, if you purchase a wellness plan.
Best for Reimbursement Choices: Figo
Figo offers competitive pricing with the option to choose a 100% reimbursement level, which is a great advantage.
- Pros: Offers a 24/7 vet telehealth line and the option to add a wellness plan.
- Cons: There’s a six-month waiting period for orthopedic conditions, though this can be waived with an orthopedic exam. There is an extra charge for vet exam fees, and the option to pay the vet directly is not available.
Coverage & Costs
- Cost for a French bulldog with unlimited annual coverage, a $250 deductible, and 80% reimbursement:
- $91 per month
- Waiting periods:
- 1 day for accidents.
- 14 days for illnesses.
- 6 months for orthopedic conditions (can be waived with an orthopedic waiver within the first 30 days of the policy).
- Age restrictions: Available for pets 8 weeks and older; no upper age limits.
- Multi-pet discount: 5%.
- Euthanasia or end-of-life expenses: Included.
- Vet exam fees: Yes, if you purchase the Veterinary Exam Fees Powerup.
- Microchipping: Yes, if you purchase the Wellness and Preventative Coverage Powerup.
Best for Annual Coverage Choices: Spot
Spot provides a variety of annual coverage options to fit different budgets.
- Pros: Provides a low $100 deductible, and covers vet office visit fees for illness and accidents. It also offers a multi-pet discount.
- Cons: The cost to insure a French bulldog with Spot is higher than the average. Spot does not offer the option to pay the vet directly.
Coverage & Costs
- Cost for a French bulldog with unlimited annual coverage, a $250 deductible, and 80% reimbursement:
- $152 per month
- Waiting periods: 14 days for accidents and illness; no extended waiting period for orthopedic issues.
- Age restrictions: Available for pets age 8 weeks and older; no upper age limits to buy a new plan.
- Multi-pet discount: 10%.
- Euthanasia or end-of-life expenses: Included.
- Vet exam fees: Included.
- Microchipping: Included.
Best for Healthy Pet Discount: Embrace
Embrace offers a unique discount program for healthy pets, making it a cost-effective choice.
- Pros: Covers vet office visit fees for illness and accidents and offers an optional wellness plan with access to a 24/7 pet telehealth line.
- Cons: The cost to insure a French bulldog is higher than average. There is a waiting period of six months for orthopedic conditions, which may be waived with an orthopedic exam. They do not offer the ability to pay the vet directly.
Coverage & Costs
- Cost for a French bulldog with unlimited annual coverage, a $250 deductible, and 80% reimbursement:
- $154 per month.
- Waiting periods:
- Accident coverage begins at 12:01 a.m. ET the day after you purchase your policy.
- 14 days for illnesses.
- 6 months for orthopedic conditions (can be waived with an orthopedic exam).
- Age restrictions: Available for pets age 6 weeks and older; accident and illness plans available for pets up to age 15; pets age 15 and older qualify for only an accident-only plan.
- Multi-pet discount: 10%.
- Euthanasia or end-of-life expenses: Included.
- Vet exam fees: Included.
- Microchipping: Yes, if you purchase a wellness plan.
What Is French Bulldog Pet Insurance?
French bulldog pet insurance is a specialized insurance plan designed to cover veterinary expenses for French bulldogs. Like all pet insurance, it’s reimbursement-based, requiring you to pay upfront for vet services and then submit a claim for reimbursement.
How Much Does Pet Insurance for French Bulldogs Cost?
The average monthly cost for pet insurance for French bulldogs is about $83 with $5,000 annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage, the cost is around $130 per month, with a $250 deductible and 80% reimbursement.
Costs depend on factors such as:
- The dog’s age and gender
- Where you live
- Your plan’s annual maximum, deductible, and reimbursement level
Why Does a French Bulldog Need Pet Insurance?
Pet insurance can help offset unexpected vet bills, especially considering the breed’s potential health issues. French bulldogs are prone to specific problems, including autoimmune skin disorders, eye conditions, and breathing difficulties.
What Does French Bulldog Pet Insurance Cover?
Pet insurance generally covers:
- Accidents (poisonings, sprains, broken bones)
- Diagnostics (X-rays, MRIs, CT scans)
- Illnesses (cancer, infections, diarrhea, vomiting)
- Hospitalizations
- Prescription medications
- Procedures (surgeries)
What Does French Bulldog Pet Insurance Not Cover?
Typical exclusions include:
- Boarding and kennel fees
- Breeding, whelping, and pregnancy costs
- Grooming
- Expenses not related to veterinary care
- Food and supplements (though prescription food may be covered)
- Lost or stolen pets
- Pre-existing conditions
- Preventative and elective procedures
- Routine wellness exams (unless you purchase an optional wellness plan)
- Vaccines (unless covered by a wellness plan)
How Does Pet Insurance for French Bulldogs Work?
Pet insurance operates like a health insurance plan for your pet:
- Waiting Period: The time before coverage begins.
- Maximum Annual Limit: The maximum amount the insurer will reimburse in a year.
- Deductible: The amount you pay out-of-pocket before coverage starts.
- Reimbursement Percentage: The percentage the insurer pays for covered expenses.
What Are Common Medical Problems for French Bulldogs?
French bulldogs are prone to the following:
- Autoimmune skin disorders
- Brain tumors
- Breathing problems
- Eye conditions (cherry eye, juvenile cataracts)
- Intervertebral disc disease
- Obesity
- Skin allergies and dermatitis
Methodology
To evaluate pet insurance plans, we analyze pet insurance rates, special waiting periods, payment options, 24/7 vet helplines, wellness plans, veterinary exam fees, end-of-life expenses, and multipet discounts.
