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4 Best Pet Insurance For French Bulldogs

Jodie Price

By Jodie Price | Updated November 10, 2025

French Bulldogs often face costly health issues like breathing, skin, and joint problems, making insurance especially valuable. The best pet insurance for French Bulldogs helps cover these expenses, offering flexible plans to fit your budget and ensure your dog gets timely care. With the right coverage, you can protect both your finances and your pet’s well-being.

  • Pets Best

    For those seeking flexible coverage, the “Best Overall” choice is Pets Best. It offers annual limits of $5,000 or unlimited, reimbursement options of 70%, 80%, or 90%, and deductibles from $50 to $500, making it easy to tailor a plan to your needs and budget.

    Our Expert Take

    Pets Best is often considered the best overall choice for French Bulldogs because of its below-average costs and comprehensive coverage options. With its Plus plan, you also get access to a 24/7 pet telehealth line and the option to add a wellness plan, which is valuable for managing ongoing health needs. For broader protection, the Elite plan offers expanded benefits at a higher price.

    One advantage of Pets Best is that it covers exam fees and alternative therapies, making it especially useful for breeds like French Bulldogs that are prone to chronic health conditions. Pets Best also provides more flexible deductibles and reimbursement levels, giving you control over how your plan is structured.

    Pros & Cons

    Pros

    • Covers vet exam fees, microchipping, and some alternative treatments
    • Multiple deductible and reimbursement options
    • Multi-pet discount available
    • 24/7 pet helpline for health questions
    • Typically lower monthly cost than Trupanion or AKC Pet Insurance

    Cons

    • Waiting periods apply for accidents and illnesses
    • Higher premiums for French Bulldogs compared to smaller breeds
    • Some exclusions for pre-existing or hereditary conditions
    • Claim processing may take longer than Lemonade or Healthy Paws
    • End-of-life coverage varies by plan and may require add-ons

    Coverage & Costs

    Coverage Type Plan Details
    Monthly Cost (French Bulldog) About $94 per month
    Waiting Periods 3 days (accidents), 14 days (illnesses), 6 months (cruciate ligament)
    Age Restrictions Enroll as early as 7 weeks; no upper age limit
    Multi-Pet Discount Yes, 5%
    Euthanasia/End of Life Covered under accident/illness; details vary by plan
    Vet Exam Fees Covered through Plus and Elite plans
    Microchipping Covered through wellness plans

  • Figo

    For pet owners who want flexible reimbursement, the “Best for Reimbursement Choices” option is Figo. It offers annual coverage limits of $5,000, $10,000, or unlimited, reimbursement levels from 70% to 100%, and deductibles ranging from $100 to $750, making it highly customizable.

    Our Expert Take

    Figo stands out for its competitive pricing and flexibility, especially for French Bulldogs, a breed that often requires extensive medical care. A unique feature is the option for 100% reimbursement, which few insurers offer. This can provide peace of mind for chronic conditions in your dog. Unlimited annual coverage options further help manage long-term veterinary costs.

    You also gain access to Figo’s cloud-based app, which allows you to store vet records, file claims, and even connect with veterinarians directly. This digital-first approach streamlines the process and ensures you have important information at your fingertips when emergencies arise.

    For added protection, Figo gives you the option to include wellness coverage, covering routine care like checkups, vaccinations, and preventive treatments. Although this increases your monthly expenses, it can be worth it if you want thorough care that addresses more than just unexpected medical issues.

    Pros & Cons

    Pros

    • Unlimited annual coverage available
    • 24/7 virtual vet visits included
    • Short accident waiting period (1 day)
    • Easy-to-use mobile app for claims and records
    • Multi-pet discount offered

    Cons

    • Wellness coverage sold separately
    • Premiums for French Bulldogs can be higher than average
    • No direct vet payment option (you pay upfront, then get reimbursed)
    • Does not cover pre-existing conditions
    • Some add-ons increase overall cost

    Coverage & Costs

    Coverage Type Plan Details
    Monthly Cost (French Bulldog) About $91 per month
    Waiting Periods 1 day (accidents), 14 days (illnesses), 6 months (orthopedic conditions, but can be waived with an orthopedic waiver within the first 30 days of the policy)
    Age Restrictions Enrollment available for pets 8 weeks and older, no upper age cap
    Multi-Pet Discount 5%
    Euthanasia / End of Life Covered
    Vet Exam Fees Covered through the Veterinary Exam Fees Powerup
    Microchipping Covered through the Wellness and Preventative Coverage Powerup

  • Spot

    If you want broad flexibility in coverage limits, the “Best for Annual Coverage Choices” is Spot. It offers annual maximums from $2,500 up to unlimited, reimbursement options of 70%, 80%, or 90%, and deductible choices between $100 and $1,000, making it easy to tailor coverage to your budget.

    Our Expert Take

    Spot is a strong option for French Bulldog owners thanks to its wide range of annual coverage limits, deductibles, and reimbursement rates. This flexibility helps you find a budget-friendly plan that also covers the breed’s higher risk of chronic issues, like respiratory or skin conditions.

    The company also includes benefits like coverage for exam fees and alternative therapies, helping reduce unexpected costs over time. You’ll have access to 24/7 pet telehealth services and the option to add a wellness plan for preventive care, making it more comprehensive than some competitors.

    Another advantage is that Spot has no maximum age limit for enrollment, which is helpful if you adopt an older French Bulldog. Standard waiting periods of two days for accidents and 14 days for illnesses apply. Microchipping is included at no extra cost, providing added value compared to many insurers.

    Pros & Cons

    Pros

    • Flexible plan customization for deductible, reimbursement, and coverage limit
    • No upper age limit for enrollment
    • Covers exam fees and alternative therapies
    • Includes microchipping in standard coverage
    • Offers multi-pet discount

    Cons

    • Premiums for French Bulldogs are higher than average
    • Longer waiting period for cruciate ligament conditions (6 months)
    • Preventive care only available as an add-on
    • Some exclusions for pre-existing conditions
    • End-of-life coverage may require a higher-tier plan

    Coverage & Costs

    Coverage Type Plan Details
    Monthly Cost Estimate About $152 per month
    Waiting Period 14 days (accidents and illnesses); 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/End of Life Covered
    Vet Exam Fees Covered
    Microchipping Covered

  • Embrace

    For pet parents who want flexible options with added savings, the “Best for Healthy Pet Discount” is Embrace. It offers no annual coverage limit, with choices of $5,000, $8,000, $10,000, or $15,000, reimbursement rates of 70%, 80%, or 90%, and deductibles ranging from $100 to $1,000, giving you plenty of ways to customize your plan.

    Our Expert Take

    You can expect Embrace to focus on comprehensive coverage that helps with the common health issues French Bulldogs face, such as breathing problems and joint conditions. The company provides adjustable deductibles and reimbursement options, but many pet owners prefer the unlimited annual coverage plan for this breed.

    Embrace also includes coverage for exam fees and offers wellness add-ons for routine care. The waiting periods are similar to other providers, but orthopedic conditions may require a longer wait. One advantage of Embrace is that it has no upper age limit for enrollment, making it beneficial for those adopting older dogs.

    The company also provides a diminishing deductible feature, where your deductible drops each year you don’t file a claim. This can save money over time if your French Bulldog stays healthy.

    Pros & Cons

    Pros

    • Covers exam fees, which many insurers exclude
    • Offers wellness add-ons for preventive care
    • No upper age limit for new enrollments
    • Diminishing deductible rewards healthy years
    • Multi-pet discount available

    Cons

    • Longer waiting period for orthopedic issues
    • Premiums can be higher for French Bulldogs due to breed risks
    • Wellness add-ons increase monthly cost
    • Some exclusions for pre-existing conditions

    Coverage & Costs

    Coverage Type Plan Details
    Monthly Cost (French Bulldog) About $154 per month
    Waiting Period Next day (accidents), 14 days (illnesses), 6 months for orthopedic (waivable with exam)
    Age Restrictions Available for pets 6 weeks and older; accident and illness coverage up to 15 years; pets 15+ qualify for accident-only plan
    Multi-Pet Discount 10%
    Euthanasia / End of Life Covered
    Vet Exam Fees Covered
    Microchipping Covered under wellness add-on

Frequently Asked Questions

How do pre-existing conditions affect pet insurance coverage for French Bulldogs?

Most pet insurance policies do not cover pre-existing conditions. This means any issues, such as breathing problems, hip dysplasia, or skin allergies in your French Bulldog, will not be covered if they started before you enrolled. Some insurers may cover curable conditions after a symptom-free period, so it’s important to check each policy’s terms carefully.

What is the average cost of pet insurance for French Bulldogs this year?

French Bulldogs often cost more to insure than many other breeds because of their health risks. Dog insurance averages around $46–$52 per month, but French Bulldogs tend to be on the higher end of that range. Premiums can increase further if you choose lower deductibles, higher reimbursement rates, or add wellness plans.

Are there any insurance plans that cover hereditary conditions specific to French Bulldogs?

Many top pet insurance providers cover hereditary conditions, including those common in French Bulldogs like BOAS, IVDD, and hip dysplasia. These are typically covered as long as they aren’t pre-existing, though accident-only plans usually exclude them.

What should I look for in a pet insurance policy for a French Bulldog to ensure comprehensive coverage?

When choosing coverage for a French Bulldog, look for a plan that includes hereditary and chronic conditions, diagnostic tests, and prescriptions. Make sure it also covers common issues like ear, skin, and eye infections, as well as emergency care for heat stroke and breathing problems. Wellness add-ons are optional but can help with routine care.

How do deductible options vary among the best pet insurance providers for French Bulldogs?

Most pet insurers provide deductibles ranging from $100 to $1,000. Lower deductibles result in higher monthly premiums but reduced out-of-pocket expenses at the vet. Higher deductibles reduce monthly payments but increase upfront expenses for care. The right choice depends on how you want to balance monthly costs with potential vet bills.