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Best English Bulldog Pet Insurance of 2022

Lisa Scott

English Bulldogs are known to be susceptible to numerous health issues, which can lead to high veterinarian bills over time. We have looked at the top choices for coverage, discounts, reimbursements, and overall quality to best assist you with choosing a pet insurance plan.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

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.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

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

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

$3,000

Coverage Up To

100%

Reimbursement Rates

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Is pet insurance worth it for an English Bulldog?

English Bulldogs tend to have many health issues over the course of their lives. However, with proper nutrition and exercise, you can lower the risk of certain health conditions. In order to provide the best care for your pet, some routine check-ups to the veterinarian may also be required.

On average an emergency trip to the veterinarian can cost anywhere between $200-$500 and may require a follow-up visit as well. Since health problems are known to arise in Bulldog breeds, it can cost up to thousands of dollars to treat your pet. 

By insuring your English Bulldog under a pet insurance plan, you can lower your expenses significantly. Approximately 90 percent of your treatment expense will be covered by the insurer, which will reduce a large financial burden on you.

Common health conditions for an English Bulldog

English Bulldogs have been a subject of selective breeding for centuries and this has resulted in them being highly inbred. This has left the breed vulnerable to many health concerns and lowered its lifespan.  

Some of the common health conditions that arise in English Bulldogs are as follows:

  • Breathing difficulties: English Bulldogs are more prone to breathing complications due to their pushed-in nose and short muzzle. This causes many health risks such as pneumonia, chronic discomfort, etc.
  • Skin issues: the skin folds that people love on English Bulldogs have some disadvantages. They can lead to skin issues such as eczema, bacterial infections, allergies, and interdigital cysts.
  • Bone diseases: English Bulldogs have a very distinct build, which is the result of a structural defect called chondrodysplasia. This increases the likelihood of bone and joint problems such as hip dysplasia, ligament injuries, and arthritis.
  • Eye problems: English Bulldogs tend to suffer from vision problems as they age. Cherry eye, dry eye, and brachycephalic ocular disease are some of the most common eye problems.
  • Cancer: English Bulldogs have historically been prone to developing cancers like mast cell tumors and lymphoma.

English Bulldogs have a tendency to develop medical issues as they get older, most often breathing problems due to their smaller nasal passage and squished faces. To help treat potential issues as they arise, pet insurance can prove to be incredibly helpful.

What does pet insurance cover for an English 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. 

Pet owners should be aware that pet insurance may not cover all medical expenses for your English Bulldog. Any pre-existing health conditions are excluded from coverage. Consider insuring your pet from a young age so any health conditions that may arise over time will be covered under your insurance policy.

Routine check-ups and wellness care are also excluded from a basic pet insurance plan. Many insurance companies offer add-on options to cover things like routine checkups, rehabilitation, and wellness care.

How are premiums determined for an English Bulldog?

Depending on the insurance provider, the premiums will vary and be based on specific factors relating to your pet. Generally, providers consider the following factors:

  • Age: the older your dog is, the higher you can expect your insurance premium to be. Some insurance providers will not provide coverage for older dogs.
  • Plan details: routine and wellness care are great additions to your insurance plan to help mitigate more serious medical conditions. However, adding these options to your insurance plan will result in a higher monthly premium as well.
  • Gender: on average, male dogs cost more to insure than female dogs, as they are considered “lower risk”.

Insurance premiums will also largely depend on your dog’s current medical status. Dogs that are in better health will often cost less overall to insure.

How to choose the best pet insurance for an English Bulldog

Picking an insurance plan for your pet can be difficult considering all the options available in the market. We have compiled a few things you should consider when looking for a plan that fits your needs.

  • Recognize your dog’s needs: English Bulldogs are susceptible to certain medical complications as they grow older. Having knowledge of your pet’s needs can help you determine the insurance plan that would cover the procedures and treatments they may require.
  • Shop around: One of the most common mistakes made by people when looking for insurance is settling with the first one that fits their needs. When you are in the market for an insurance plan, you should be comparing the different options. Different insurance providers can differ in the coverage they provide and the way they handle their claims and reimbursements. 
  • Customer reviews: Before picking a pet insurance plan for your English Bulldog, you should read reviews from other customers. This will help you get an idea of the quality of their customer service and what to expect from the insurer.