Breed Insurance Guide
Is Pet Insurance Worth It for English Bulldogs?
Yes. This isn't even close. English Bulldogs need insurance.
The Bottom Line
English Bulldogs have more predictable health issues than almost any breed. Not insuring an English Bulldog is essentially gambling that you'll be the exception. The math strongly favors coverage.
The Reality
English Bulldogs will almost certainly need:
- Breathing intervention (70%+ need some treatment)
- Ongoing skin care ($500-$2,000/year)
- Hip dysplasia management (70%+ affected)
- Allergy treatment (extremely common)
These aren't risks—they're near-certainties.
The Math
Insurance: $55-$100/month = $6,600-$12,000 over 10 years
Expected health costs (conservative): $20,000-$35,000
Even with deductibles and copays, insurance almost always comes out ahead for Bulldogs.
Critical Requirements
- ✓ No brachycephalic exclusions
- ✓ Covers BOAS surgery
- ✓ Chronic condition coverage (skin, allergies)
- ✓ Hip dysplasia coverage
- ✓ High or unlimited annual limits
Enroll Early
Bulldogs can show symptoms very young. Get coverage before any issues are documented. Once conditions become pre-existing, they're excluded forever.
Our Verdict
Essential for English Bulldog owners. This is one of the clearest breed-specific insurance recommendations we make. The only question is which policy, not whether to get one.