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Best Bulldog Pet Insurance of 2024

Lisa Scott

The Bulldog is one of the most popular breeds to keep as a family pet and with the right care, they can live a long and happy life. However, they are predisposed to certain health conditions, so it’s a good idea to invest in quality health insurance. 

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is Bulldog pet insurance worth it?

We all want to take very good care of our pets so that they stay safe and healthy. At times this may require visits to the vet for check-ups or treatment for illnesses.

Some of the most common health issues arise from genetic predispositions which leaves them likely to develop health conditions that can require treatment throughout their life. With emergency vet visits stretching into hundreds of dollars at a time the Bulldog can become an expensive breed to keep as a pet.

Pet insurance can help alleviate some of the financial strain of caring for a loved companion. When you weigh up the cost of insurance versus the cost of vet bills, the benefits of insurance can far outweigh the premium, giving you peace of mind if a serious health problem comes up. 

Common health conditions for a Bulldog

Bulldogs are a high-risk breed and it’s a good idea to have insurance in case of serious health issues. Some common health conditions they may experience are:

  • Cataracts: The main reason for Cataracts in your Bulldog are due to their genes which causes this condition to be passed down through generations. This can cause your Bulldog’s vision to be blurry and over time if left untreated, they may go blind. 
  • Dysplasia: This can occur in both the hips and the elbows. As your Bulldog ages, it may experience stiffness in the hips, experience trouble walking or standing up. Obesity can worsen hip dysplasia. There’s no cure for it, but surgery can help. 
  • Eczema: Dry, itchy skin caused by Eczema is very common for Bulldogs and can be provoked by environmental issues such as ticks, fleas, and too much stress. You can treat this using anti-inflammatory creams, however, if this doesn’t work it’s a good idea to get your dog checked out by the vet. 
  • Cancer: There is a high chance of cancer in Bulldogs. The most common types of cancer found are skin cancer, testicular cancer, and breast cancer. 
  • Brachycephalic airway syndrome: Due to the facial and nose structure in Bulldogs, this can create thinner airways resulting in breathing problems. Severe symptoms include gagging and vomiting. 

What does pet insurance cover for a Bulldog?

Taking out pet insurance for your Bulldog can cover a range of treatments and procedures. Depending on the policy you choose, you can receive coverage for accidents, illnesses, inherited conditions and birth defects, behavioral issues, dental disease, and more. Policies can cover the following costs:

  • Accidents and illnesses: If your Bulldog has an emergency or suddenly falls ill, coverage will take care of costs related to exam fees, diagnostics, and treatment.
  • Hospitalization and surgery: Your pet insurance can cover the costs of surgery or if your dog needs to stay overnight in a hospital. 
  • X-rays and ultrasounds: If your Bulldog has an accident, it may require an X-ray or other examinations to check for broken bones, torn ligaments, or bite wounds. 
  • Annual wellness check-ups: The cost of routine check-ups can add up over time. With annual check-ups, you can have peace of mind over the health of your Bulldog. Many policies provide this option as an add-on.

Certain providers may have the option for accident-only policies. This provides limited coverage where your Bulldog will only be covered for new injuries and emergencies related to accidents. 

How are insurance premiums determined for a Bulldog?

Many different factors determine the cost of your pet insurance coverage. Some of these factors include: 

  • Breed: Certain breeds can be more susceptible to illness and have different inherited conditions that can result in more health conditions over time. 
  • Age: With age, your dog can become more susceptible to health problems such as dental disease. Generally, the older your dog, the higher the premium. 
  • Policy deductibles: Low deductibles will be reflected in higher premiums. The deductible can usually be adjusted so that the premium becomes more affordable for your budget. 
  • Location: Depending on where you live and the veterinary services available in your location, you may pay a higher or lower premium for your pet insurance coverage. Typically, if the cost of veterinary services is high in your area, the premium will be increased to reflect this.

It’s important to note that policies do have limits. Exclusions typically include cosmetic procedures, breeding costs, preventative care, and pre-existing conditions.

How to choose the best Bulldog pet insurance?

Many insurers provide policies for Bulldogs and it can be tricky to choose the best one. Here are some key factors to look out for as you shop around for policies:

  • Waiting periods: Be aware of the waiting periods where some policies start a specified number of days after the effective date of the policy. If your Bulldog has an accident or emergency during the waiting period, it’s unlikely to be covered by the insurer. 
  • Consider your Bulldog’s needs: Every pet has its own set of unique needs and as Bulldogs can be susceptible to genetic conditions, it’s a good idea to research likely health conditions that may arise for your specific breed. You’ll then want to shop around and find an insurance policy that provides adequate coverage for your dog.
  • Coverage: Some insurers provide coverage for accidents and illness and other insurers may give you the option to purchase accident-only coverage. Depending on your budget and your Bulldog’s health, it’s a good idea to read the terms and conditions so you know exactly what you’re covered for in the event of a health issue. 

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