Best Pet Insurance for French Bulldogs (2026)
French Bulldogs are adorable, expensive, and prone to serious health problems. The right insurance can save you thousands when breathing issues, spinal conditions, or skin allergies hit. We compared top providers to find the best coverage for Frenchie owners.
See Top Picks →🏆 Our Top Picks for French Bulldogs
Embrace
Best overall (covers hereditary conditions from day one)
Pumpkin
Best coverage breadth (dental, behavioral included)
Lemonade
Best budget option
Why French Bulldogs Need Insurance
French Bulldogs are the #1 most popular breed in America—and one of the most expensive to care for. Their flat faces and compact build make them prone to costly health issues.
Common Health Issues & Costs
| Condition | What It Is | Typical Cost |
|---|---|---|
| BOAS | Breathing difficulties from flat face | $2,000 - $5,000+ |
| IVDD | Spine/back problems | $3,000 - $8,000 |
| Allergies & Skin Issues | Chronic itching, infections | $200 - $1,000/year |
| Hip Dysplasia | Joint malformation | $1,500 - $6,000 |
| Cherry Eye | Prolapsed tear gland | $500 - $1,500 |
| Ear Infections | Recurring infections | $100 - $300/episode |
What to Look For in French Bulldog Insurance
✓ Must-Have Coverage
- Hereditary & congenital conditions – BOAS, IVDD, hip dysplasia are genetic
- Chronic condition coverage – Allergies require ongoing treatment
- Surgery & hospitalization – The big expenses
- Diagnostic testing – X-rays, MRIs for spine issues
✗ Red Flags to Avoid
- Policies that exclude 'breed-specific conditions'
- Low annual limits (under $10k won't cover major surgery)
- Long waiting periods for orthopedic conditions (12+ months)
Best Insurance Providers for French Bulldogs
Embrace
Best Overall for Frenchies
$45-75/mo
estimated monthly
Embrace stands out for French Bulldogs because they cover hereditary conditions with no extra waiting period. Their 'Wellness Rewards' program also helps offset allergy treatments and prescription food.
Pros
- Covers hereditary conditions immediately
- Diminishing deductible if you don't file claims
- Prescription food coverage included
- 90% reimbursement option
Cons
- Slightly higher premiums than budget options
- 14-day illness waiting period
Pumpkin
Best Coverage Breadth
$50-85/mo
estimated monthly
Pumpkin includes things other insurers charge extra for—dental illness, behavioral conditions, and exam fees. For Frenchies who need comprehensive care, it's hard to beat.
Pros
- Covers dental illness (rare among insurers)
- No breed restrictions or coverage reductions with age
- 90% reimbursement on all plans
- Parasites covered
Cons
- No accident-only option
- Wellness is separate add-on
Lemonade
Best Budget Option
$30-55/mo
estimated monthly
If you want basic coverage without breaking the bank, Lemonade offers low premiums and a dead-simple app. Just know you may need add-ons for full Frenchie coverage.
Pros
- Cheapest base premiums
- AI-powered claims paid in minutes
- Easy mobile app
Cons
- Hereditary conditions require add-on
- Physical therapy requires add-on
- Not available in all states
How Much Does French Bulldog Insurance Cost?
French Bulldogs cost more to insure than average due to their health risks. Here's what to expect:
Puppy (8 weeks - 1 year)
$35 - $60/month
Adult (1-7 years)
$45 - $85/month
Senior (8+ years)
$75 - $150+/month
* Estimates based on average rates. Actual cost depends on your location, chosen deductible, reimbursement level, and coverage limits.
Frequently Asked Questions
Is pet insurance worth it for French Bulldogs?
Yes. Frenchies are among the most expensive breeds to own due to breathing, spine, and skin issues. A single surgery can cost $3,000-8,000. Insurance typically pays for itself with one major claim.
Does pet insurance cover BOAS surgery?
Most comprehensive policies cover BOAS surgery as long as symptoms weren't present before enrollment. Embrace, Pumpkin, and Healthy Paws all cover it under hereditary conditions.
What's the best age to insure a French Bulldog?
As young as possible—ideally 8-12 weeks. Premiums are lowest, and no conditions are 'pre-existing' yet. Many Frenchie health issues show up by age 2-3.
Are French Bulldog allergies covered by insurance?
Yes, allergies are typically covered as a chronic illness. However, if your Frenchie showed allergy symptoms before enrollment, it may be excluded as pre-existing.
Why are French Bulldogs so expensive to insure?
Their brachycephalic (flat-faced) structure causes breathing problems, and their compact spine leads to disc issues. Insurers price based on breed health data, and Frenchies file more claims than average.
Protect Your French Bulldog
Don't wait until your Frenchie needs expensive care. Compare quotes from top providers and find the right coverage for your budget.
Compare Top Providers →