French Bulldog Insurance

How much French Bulldog insurance costs

As your dog ages, monthly rates climb, and at every age this breed is costlier to insure than the average dog. MoneyGeek modeled prices in its pet insurance cost analysis, drawing on 67,000+ pet profiles and 18 insurers nationwide, including every state and DC. Each modeled plan had 80% reimbursement, a $500 deductible, and $5,000 as its annual limit.

The deductible is money you cover out of pocket until your policy begins paying. Reimbursement is the share of the covered vet bill the company pays back to you once you've paid your deductible. A study price is only an average for a modeled pet, and it never means a quote made for your dog.

The monthly and annual modeled prices for this breed, compared with the all-breed dog average, look like this:

• A Frenchie under 1 year costs $60 per month ($715 per year), while the average for all dog breeds is $46 monthly.
• At age 3, this breed costs $61 per month ($727 per year), while the average for all breeds is $47 monthly.
• Middle-aged dog (6-year-old baseline): for this breed, $90 per month ($1,078 per year), versus $64 per month across all breeds.
• For a senior dog (8 to 13 years), this breed costs $243 per month ($2,912 per year), while all breeds average $99 monthly.

Health problems behind French Bulldog claims

A large part of veterinary bills for these dogs comes from conditions specific to the breed. Health problems linked to the breed, per the American Kennel Club breed guide:

• Problems with breathing
• Cherry eye condition
• Cataracts in young dogs
• Entropion
• Allergies affecting the skin

The national breed club recommends certain veterinary evaluations for joint, heart, and eye screening, as listed in the AKC health testing list:

• Patella check
• Hip check
• Heart exam
• Eye specialist evaluation

Before you enroll, check how a policy handles inherited health problems, since the breed is linked to these conditions.

Plans covering French Bulldogs

Start by checking whether hereditary conditions are covered when you compare French Bulldog dog insurance. Under their own policy terms, every provider listed covers hereditary conditions, and enrollment age or exam fees also fall under their rules:

• [Trupanion: Hereditary conditions are covered (Trupanion coverage guide), and you may enroll at any time before the 14th birthday of your dog for lifelong coverage.
• [MetLife Pet Insurance: You get coverage for hereditary conditions, can enroll with no age cap, and get veterinary exam fees covered.
• [GEICO: Hereditary conditions are covered, there's no age cap for enrollment, and exam fees are covered too.
• [State Farm: Dogs under 14 years old can enroll for hereditary condition coverage, but exam fees aren't covered.
• [Costco Pet Insurance: No age limit applies for enrollment, hereditary conditions are covered, and you can add exam fee coverage.
• [USAA: It covers hereditary conditions, allows pets of any age to be insured, and offers exam fees as an add-on.
• [Aflac: Dogs enrolled before their 14th birthday get hereditary condition coverage with a 0-day wait for accidents and illness.
• [Chubb: You can enroll up to age 13 for hereditary condition coverage, but exam fees aren't covered.
• [Petco: Covers hereditary conditions, with a 14-day illness waiting period.
• [PetSmart: Its pet insurance policies cover hereditary conditions.

Full coverage for breed-related problems isn't available from every company. Under Nationwide, hereditary coverage is limited (Nationwide exclusions page), and the modular plan allows new illness enrollment for dogs up to age 8.

Hereditary condition waiting periods

A waiting period tells you how many days or months pass between buying a policy and the start of coverage for vet care. The best pet insurance for French Bulldogs often comes down to how long you wait for orthopedic and cruciate ligament coverage.

Every provider named here covers hereditary conditions too, and the waiting periods they set for orthopedic care vary:

• Spot (Spot FAQ page) and Pumpkin each require you to wait 14 days before coverage applies to accidents, illnesses, and orthopedic conditions.
• Wagmo: A 14-day wait applies to accidents, orthopedic conditions, illnesses, and cruciate injuries.
• Chewy CarePlus: The accident wait is 5 days, the illness and orthopedic wait is 14 days, and the cruciate wait is 30 days.
• Lemonade: The accident wait is 0 days, the illness wait is 14 days, and the orthopedic wait is 30 days.
• Progressive: Accidents have a 3-day wait, illnesses a 14-day wait, orthopedic problems a 30-day wait, and cruciate problems a 6-month wait.
• For accidents, Embrace has a 0-day wait; for illness, 14 days; and for orthopedic and cruciate conditions, 180 days.
• For Fetch, the accident wait is 0 days, the illness wait is 15 days, and orthopedic and cruciate conditions have a 6-month wait.
• Pets Best and Odie: Accidents have a 3-day wait, illnesses a 14-day wait, and orthopedic and cruciate problems a 6-month wait.
• For Prudent Pet, the accident wait is 5 days, the illness wait is 14 days, and orthopedic and cruciate conditions have a 6-month wait.
• Figo: The accident wait is 1 day, the illness wait is 14 days, and the orthopedic wait is 6 months.
• ASPCA Pet Health Insurance: The accident and illness wait is 14 days, plus 12 months for orthopedic and cruciate problems.
• For Healthy Paws, accidents and illness have a 15-day wait, and orthopedic conditions have a 12-month waiting period, per Healthy Paws FAQ.

With AKC Pet Insurance, accidents have a 5-day wait, illnesses have a 14-day wait, and orthopedic and cruciate conditions have a 180-day wait.

Common questions

What does pet insurance cost for a French Bulldog?

Your premium changes with your dog's age, the company you select, and the policy's annual limit. A NerdWallet cost study put the average monthly quote for a 2-year-old Frenchie at $82 for Nationwide and $88 for Pets Best. People often adjust their monthly premium by choosing a smaller annual limit or raising the deductible.

Is hereditary condition coverage included in pet insurance for French Bulldogs?

Inherited conditions are covered by most accident and illness policies, provided your dog completes the waiting period before any symptoms begin. While you compare policies, find out whether vet exam fees are part of the coverage for those visits. ManyPets (emergency care guide) and Banfield pay for exam fees, but Pawp doesn't.

Do you pay more for Frenchie pet insurance than for other dogs?

At every life stage, modeled rates for this breed run above the average for all dogs, due to inherited health risks. For senior dogs, price increases are steepest, and some insurers limit new sign-ups at age 8, 13, or 14. Enrollment age limits vary by insurer: some set no maximum, and others use limits that differ by state, according to the Healthy Paws insurance page.