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4 Best Pet Insurance For French Bulldogs

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.