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Best French Bulldog Pet Insurance of 2022

Lisa Scott

French Bulldogs are one of the most popular dog breeds due to their miniature build and cheeky personality. However, the cost and risk of health issues of a purebred dog increase accordingly. With a pet insurance plan, you can maintain your Frenchie’s health at an affordable price. To help you choose a pet insurance plan, we have looked at the top choices for coverage, discounts, reimbursements, and overall quality.

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

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

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

Is pet insurance worth it for a French Bulldog?

Maintaining a well-rounded diet and exercise routine is a great foundation for upkeeping your French Bulldog’s health. However, there are many additional costs to consider in order to keep your pet’s health in check. This can include routine check-ups such as teeth cleanings, vaccines, and preventative medications. There may also be unexpected costs due to an injury or illness, which can require emergency medical attention. With pet insurance, you can mitigate several of these costs.

Keep in mind, as your pet ages, more medical conditions will develop over time, and insurance will not cover any pre-existing conditions. Therefore, it is recommended to purchase pet insurance for your Frenchie as soon as possible.

Common health conditions for a French Bulldog

For purebred dogs like a French Bulldog, a genetic purity can leave them vulnerable to developing certain ailments. Some common health conditions in French Bulldogs that can occur include:

  • Ear infections: since French Bulldogs have very narrow ear canals, they are prone to developing ear infections more quickly than other dogs. The infection begins when the ear glands swell up, and eventually leads to inflammation in the canal.
  • Skin problems: French Bulldogs have naturally folded facial skin around their muzzle and nose, which can cause skin fold dermatitis. If you notice your Frenchie is itching, scratching, or biting the area then it could be developing a skin problem. French Bulldogs can also develop pyoderma, a bacterial skin infection.
  • Respiratory issues: common breathing problems found in French Bulldogs can include URT infection and BOAS.
  • Mobility issues: French Bulldogs are at risk for developing hip dysplasia and luxating patellas, which could be genetically passed down or caused by old injuries. Spinal disc issues could also affect your Frenchie.

Given the health risks of French Bulldogs, it is a good idea to consider health insurance coverage for your pet at a young age.

What does pet insurance cover for a French Bulldog?

  • Accident-only plans: generally, this is the least costly type of insurance. It will cover emergency injuries such as broken bones or toxin ingestion.
  • Accident and illness plans: this policy covers unexpected illness and disease such as cancer, digestive issues, or infection that diminishes your pet’s overall wellness.
  • Insurance with additional wellness: while not always included in insurance plans, these policy add-ons will cover vaccines, routine check-ups, spay and neutering, and de-worming.

These differences in coverage can help you decide which policy is best for you, but it is important to note what is not typically covered under these policies:

  • Pre-existing health conditions
  • Grooming
  • Breeding and pregnancy

How are pet insurance premiums determined for a French Bulldog?

French Bulldogs are purebred dogs, which makes them more susceptible to certain medical issues throughout their life. As you are looking into insurance coverage for your French Bulldog, you may see a range of premiums available.

Insurance providers differ in how they determine premiums costs. Most often, they consider these factors:

  • Age: as French Bulldogs get older, they are more likely to experience health issues. The older your dog is, the higher you can expect your insurance premium to be.
  • Medical history: if your French Bulldog has already developed some medical issues, there may be a higher insurance premium to cover its various needs.
  • Location: depending on where you are located, your insurance coverage may be more expensive. Areas that have limited access to veterinary services, typically come with higher insurance premiums.

However, due to their tendency to develop serious health issues often, French Bulldogs have a typically higher insurance premium on average.

How to choose the best pet insurance plan for a French Bulldog

When considering a pet insurance plan for your French Bulldog, keep the following in mind for your final decision:

  • Policy coverage: what kind of coverage what your pet benefit from? do you want accident-only, illness, wellness or a combination of coverage? Compare plans and identify what is (and what isn’t) covered.
  • Cost and benefits: consider the monthly premium costs, the deductible, and copayment amounts compared to the coverage benefits. Remember that a lower monthly cost may not ensure what is best for your French Bulldog in the long run!
  • Customer reviews: read what current or previous customers have to say about the insurer you are considering your pet. Find out what their claims process is like and how to access customer support.