French Bulldogs are admired for their large ears, wrinkly faces, and charming disposition.
May 11, 2025
However, you also know that vet bills for your Frenchie can add up quickly. That’s where pet insurance comes in.
With the best pet insurance company, you can offset the high costs of caring for your French Bulldog and manage common breed-specific health concerns, such as brachycephalic airway syndrome, patellar luxation, and conjunctivitis.
Fortunately, the team at BestMoney did the research for you to uncover this list of the best pet insurance for French Bulldogs. We considered a number of factors, including cost, coverage terms, availability, claims process, and customer service.
Lemonade offers the lowest rates for French Bulldogs while Spot is a good choice if you’re seeking a budget-friendly, accident-only plan.
Fetch makes sense if you’d like a robust policy and don’t mind paying extra for it.
ASPCA Pet Health should be on your radar if your Frenchie utilizes alternative therapies whereas Embrace is a solid pick if your pup has dental issues.
Healthy Paws offers an unlimited coverage option while Figo’s plans are available with a 100% reimbursement rate, which is rare in the pet insurance industry.
Pumpkin stands out for its wellness policies and MetLife covers prescription food and supplements that may be essential for your French Bulldog.
| Provider | Avg. Premium | Best For | Top Pro |
|---|---|---|---|
| Lemonade | $89.28 | Affordability | Lowest rates for French Bulldogs |
| Spot | $147.06 | Accident-only coverage | Includes exam fees and no age limit |
| ASPCA Pet Health | $147.71 | Alternative therapies | Covers acupuncture, chiropractic, and supplements |
| Fetch | $232.08 | Comprehensive coverage | Covers dental, behavioral, and virtual vet visits |
| Embrace | $184.99 | Dental care | Up to $1,000 in dental coverage |
| Healthy Paws | $202.04 | Unlimited coverage | No caps on claims, per incident, or lifetime |
| Figo | $136.00 | 100% reimbursement | Offers accident coverage in 1 day + 24/7 vet chat |
| MetLife | $150.21 | Prescription food | Covers diet, behavior, and dental needs |
| Pumpkin | $143.33 | Wellness coverage | Standalone wellness plans + no age limits |
Why we like Lemonade for Frenchies:
Since Frenchies pose a greater risk for health issues than other dog breeds, French Bulldog pet insurance can get expensive. The good news is Lemonade offers affordable premiums. Compared to all of the other pet insurance companies we reviewed, Lemonade’s rates were the lowest.
You can choose from an accident and illness plan as well as a variety of optional add-ons for vet exams, behavioral conditions, dental care, and physical therapy, all of which are particularly important for Frenchies. There are also preventive care packages, including one for puppies to help cover spay/neuter surgery, vaccinations, and other routine care needs for your French Bulldog.
Pros
Offers coverage for Frenchies who are two months old and older
Multiple discounts available for added savings
Claims paid within 48 hours
Cons
Doesn’t pay for supplements, which may be beneficial for Frenchies with weight issues
May not be an option for older French bulldogs
Only available to Frenchie owners in 38 states
Sample French Bulldog rates
|
Houston |
New York |
San Francisco |
Average |
|
|---|---|---|---|---|
|
Frenchie, Age 1 |
$32.56 |
$84.82 |
$136.73 |
$84.70 |
|
Frenchie, Age 4 |
$36.56 |
$94.88 |
$150.11 |
$93.85 |
|
Frenchie, Age 10 |
N/A |
N/A |
N/A |
N/A |
|
Average |
$34.56 |
$89.95 |
$143.42 |
$89.28 |
Read our full Lemonade review.
Why we like Spot for Frenchies:
Depending on your budget and the nature of your Frenchie, an accident-only plan from Spot might be worthwhile. It can reimburse you for emergency-related expenses, such as swallowed objects, broken bones, dental fractures, and more. While accident coverage isn’t as comprehensive as the accident and illness plan, it may be sufficient if your French Bulldog is in reasonably good health and your primary goal is to save on accidental injuries.
Spot also offers two wellness plans: Gold and Platinum. Gold covers wellness exams, vaccines, deworming, flea and heartworm prevention, and dental cleanings. Platinum adds on services like spay/neuter procedures, blood testing, and health certificates.
Pros
Covers curable pre-existing conditions Frenchies may have, such as Brachycephalic Obstructive Airway Syndrome (BOAS) and hip dysplasia
Includes exam fees
No upper age limits so senior Frenchies are welcome
Cons
No online quotes for older French bulldogs
Doesn’t pay vets directly
Coverage limit and deductible options vary by location
Sample French Bulldog rates
|
Houston |
New York |
San Francisco |
Average |
|
|---|---|---|---|---|
|
Frenchie, Age 1 |
$60.01 |
$127.16 |
$78.60 |
$88.59 |
|
Frenchie, Age 4 |
$66.49 |
$145.32 |
$82.06 |
$97.96 |
|
Frenchie, Age 10 |
$198.72 |
$326.98 |
$238.17 |
$254.62 |
|
Average |
$108.41 |
$199.82 |
$132.94 |
$147.06 |
Read our full Spot review.
Why we like ASPCA Pet Health for Frenchies:
Sometimes, alternative therapies are a good option for Frenchies, especially those living with chronic pain and discomfort. In conjunction with conventional modalities, they can improve function and help them lead a higher quality of life. ASPCA Pet Health’s accident and illness plan covers alternative therapies like acupuncture and chiropractic care.
It also includes behavioral therapies, prescription food and supplements, and even stem cell therapy. As an added bonus, ASPCA Pet Health pet insurance comes with a 24/7 vet helpline. You can log into your member portal and access it at any time for assistance with questions related to your French Bulldog’s health.
Pros
Accident-only coverage available for budget-minded Frenchie owners
May enroll your French Bulldog without a veterinary exam
Two preventative care options for Frenchies: Basic and Prime
Cons
Expensive premiums for older French bulldogs
Doesn’t cover dental cleanings, which may be important for some Frenchies
Claims may take up to 30 days to process
Sample French Bulldog rates
|
Houston |
New York |
San Francisco |
Average |
|
|---|---|---|---|---|
|
Frenchie, Age 1 |
$61.09 |
$127.16 |
$78.60 |
$88.95 |
|
Frenchie, Age 4 |
$67.68 |
$145.32 |
$82.06 |
$98.35 |
|
Frenchie, Age 10 |
$202.30 |
$326.98 |
$238.17 |
$255.82 |
|
Average |
$110.36 |
$199.82 |
$132.94 |
$147.71 |
Read our full ASPCA Health review.
Why we like Fetch for Frenchies:
If you’re looking for a Frenchie pet insurance policy with all the bells and whistles, Fetch may fit the bill. It offers a single accident and illness plan with many coverages that most pet insurers exclude. Fetch may reimburse you for sick visit exam fees, dental care, behavioral therapy, alternative treatments, supplements, and up to $1,000 for online vet visits. The pet insurance company will even pay for boarding fees if your French Bulldog ends up in the hospital.
For additional coverage to offset routine care costs, you may add on a Fetch wellness plan. It can cover annual exams, vaccinations, heartworm, flea, and tick prevention, spaying and neutering, dental cleaning, and microchipping. The higher tier plan will also help pay for health certificates and an activity monitor so you can keep tabs on your Frenchie’s overall wellness and activity.
Pros
Provides coverage for dental injuries and diseases which are common among Frenchies
Covers up to $1,000 per year for virtual vet visits
Senior French Bulldogs can enroll as there are no upper-age limits
Cons
Doesn’t cover prescription food
Annual limits cap out at $15,000 and might not be high enough for some French Bulldogs
No accident-only plans for Frenchie parents on a budget
Sample French Bulldog rates
|
Houston |
New York |
San Francisco |
Average |
|
|---|---|---|---|---|
|
Frenchie, Age 1 |
$67.63 |
$123.94 |
$77.85 |
$89.81 |
|
Frenchie, Age 4 |
$99.35 |
$189.55 |
$131.98 |
$140.29 |
|
Frenchie, Age 10 |
$236.87 |
$610.94 |
$550.58 |
$466.13 |
|
Average |
$134.62 |
$308.14 |
$253.47 |
$232.08 |
Read our full Fetch review.
Why we like Embrace for Frenchies:
There’s no denying that French Bulldogs have an adorable, contagious smile. However, since their mouths are small, there is a significant risk of tartar buildup as well as dental decay and gum disease. If you’re concerned about your Frenchie’s dental health, an Embrace accident and illness plan can give you peace of mind.
With this coverage, you may get reimbursed for a number of dental illnesses and accidents for up to $1,000 per year. These may include broken or fractured teeth, gingivitis, and periodontal disease.
Pros
Highly customizable plans for Frenchie owners with various budgets and needs
Covers vet exam fees
Premium savings opportunities via the Healthy Pet Premium Discount Program
Cons
Can find lower premiums for Frenchies elsewhere
Senior French Bulldogs only qualify for accident-only plans
Must invest in a wellness plan for prescription food and supplement coverage
Sample French Bulldog rates
|
Houston |
New York |
San Francisco |
Average |
|
|---|---|---|---|---|
|
Frenchie, Age 1 |
$75.27 |
$213.27 |
$125.14 |
$137.89 |
|
Frenchie, Age 4 |
$86.56 |
$201.01 |
$137.25 |
$141.61 |
|
Frenchie, Age 10 |
$188.18 |
$362.80 |
N/A |
$275.49 |
|
Average |
$116.67 |
$259.03 |
$131.195 |
$184.99 |
Read our full Embrace review.
Why we like Healthy Paws for Frenchies:
If your French Bulldog is living with serious health issues or you want to reduce out-of-pocket vet bills as much as possible, Healthy Paws can help. Unlike other pet insurance companies with coverage limits, Healthy Paws offers unlimited annual coverage. Plus it doesn’t impose per-incident or lifetime caps.
Additionally, you may choose from a variety of deductibles ranging from $100 and $1,0000, depending on your Frenchie’s age and location. Regardless of what you decide, you can expect coverage for alternative treatments, emergency care, illnesses, herbal therapy, and homeopathy. Healthy Paws also covers hereditary conditions that are common among Frenchies, such as intervertebral disc disease and hip dysplasia.
Pros
Healthy Paws mobile app for easy claims filing
May be able to pay vets directly
Fast, 2-day claims processing for most claims
Cons
Expensive premiums for Frenchies
No wellness plans to help pay for French Bulldog routine care
Doesn’t offer discounts
Sample French Bulldog rates
|
Houston |
New York |
San Francisco |
Average |
|
|---|---|---|---|---|
|
Frenchie, Age 1 |
$66.83 |
$100.49 |
$129.88 |
$99.07 |
|
Frenchie, Age 4 |
$85.15 |
$121.06 |
$161.94 |
$122.72 |
|
Frenchie, Age 10 |
$290.73 |
N/A |
$477.95 |
$384.34 |
|
Average |
$147.57 |
$110.78 |
$256.59 |
$202.04 |
Read our full Healthy Paws review.
Why we like Figo for Frenchies:
Most pet insurers offer reimbursement rates of 70%, 80% and 90%. If you have a high needs French Bulldog, however, you may prefer 100% reimbursement, which is available through Figo. Figo also offers a number of add-ons, which it refers to as “powerups.”
You may opt for a wellness powerup or a veterinary exam powerup to further enhance your coverage. There’s also an Extra Care Package, which will reimburse you for kennel fees, property damage liability, and the costs of a lost or stolen pup.
Other Figo perks include the Pet Cloud app to help you manage your Frenchie’s coverage and access to a 24/7 virtual vet chat that may come in handy any time you have a pressing question about your French Bulldog’s health.
Pros
Great value for French Bulldogs
Short, 24-hour waiting period for accidents
May opt for the waiting period waiver to get faster coverage for certain conditions
Cons
Must invest in an optional Powerup for exam fee coverage
Doesn’t cover prescription food, vitamins, or supplements
No option for vet direct pay
Sample French Bulldog rates
|
Houston |
New York |
San Francisco |
Average |
|
|---|---|---|---|---|
|
Frenchie, Age 1 |
$39.83 |
$93.53 |
$83.55 |
$72.30 |
|
Frenchie, Age 4 |
$48.91 |
$102.93 |
$91.92 |
$81.25 |
|
Frenchie, Age 10 |
$156.83 |
$320.38 |
$286.14 |
$254.45 |
|
Average |
$81.86 |
$172.28 |
$153.87 |
$136.00 |
Read our full Figo review.
Why we like MetLife for Frenchies:
Unfortunately, obesity is a common concern for French Bulldogs. If your dog is overweight or at risk for this issue, your vet may recommend prescription food and supplements to help improve their diet and keep their weight in check. With a preventive care plan add-on from MetLife, you can make these dietary expenses more affordable.
This policy may reimburse you for prescription food, supplements, and vitamins. It also covers teeth cleanings, nail trimming, behavioral training for issues such as aggression and anxiety, and genetic testing. Also, if you own multiple pets in addition to a French Bulldog, a family plan from MetLife can save you some cash.
Pros
Vet telehealth service via the MetLife Pet app
Most claims are processed within 10 days
No waiting periods for accident coverage
Cons
Doesn’t offer an accident-only plan
Coverage levels and discounts vary by state
No option for vet direct pay
Sample French Bulldog rates
|
Houston |
New York |
San Francisco |
Average |
|
|---|---|---|---|---|
|
Frenchie, Age 1 |
$64.89 |
$87.41 |
$97.02 |
$83.11 |
|
Frenchie, Age 4 |
$70.85 |
$96.08 |
$106.68 |
$91.20 |
|
Frenchie, Age 10 |
$215.62 |
$271.82 |
$341.55 |
$276.33 |
|
Average |
$117.12 |
$151.77 |
$181.75 |
$150.21 |
Read our full Met Life review.
Why we like Pumpkin for Frenchies:
You can add on the preventive essential package to your Pumpkin accident and illness plan or sign up for the Wellness Club. The preventive care package for dogs covers 1 annual wellness exam, 2 vaccines, 1 fecal test, and 1 blood test for heartworm and tick diseases. The Wellness Club is a standalone preventive plan, which is essentially a subscription service available to anyone, even Frenchie parents without an accident and illness plan from Pumpkin. It comes with access to a 24/7 vet hotline.
Pros
Affordable rates for French Bulldogs
Covers pre-existing conditions after your Frenchie has been symptom-free for 180 days
Accepts older Frenchies
Cons
14-day waiting periods for both accidents and illnesses
No coverage for herbal supplements that some Frenchies may need
Doesn’t offer a mobile app for easy claim filing
Sample French Bulldog rates
|
Houston |
New York |
San Francisco |
Average |
|
|---|---|---|---|---|
|
Frenchie, Age 1 |
$53.83 |
$127.16 |
$78.60 |
$86.53 |
|
Frenchie, Age 4 |
$59.63 |
$145.32 |
$82.06 |
$95.67 |
|
Frenchie, Age 10 |
$178.24 |
$326.98 |
$238.17 |
$247.80 |
|
Average |
$97.23 |
$199.82 |
$132.94 |
$143.33 |
Read our full Pumpkin review
To find the best pet insurance for French bulldog owners, the BestMoney team looked at the different insurers who cover Frenchies. From there, we paid special attention to the following categories:
Coverage terms: We focused on each pet insurance company's various coverage options, such as accident-only, accident and illness, and wellness plans. Our team also explored deductibles, annual limits, and reimbursement rates.
Availability: We looked at where each pet insurance company was available. While some pet insurers have a national presence, others only cover select states.
Costs: Since insuring French Bulldogs isn’t cheap, our primary focus was on premiums. We pulled real-time quotes for Frenchies of different ages to uncover the most affordable options and best value.
Claims process: We evaluated each pet insurance company's claim filing process. Some stood out for quick turnaround times and fast reimbursements, whereas others were slower with their claims.
Customer service: Our team researched how long each pet insurance has been in business. Then, we focused on ratings from reputable third-party review sites, such as Trustpilot and the Better Business Bureau (BBB).
To read our extended methodology for researching pet insurance companies, click here.
French Bulldogs are a brachycephalic (flat-faced) breed, making them prone to breathing difficulties, joint issues, spinal disorders, and allergies,
– Amber Batteiger PR and communications manager at Embrace Pet Insurance.
“One of the most expensive claims in Embrace history was a $41,952 vet bill for a Frenchie with aspiration pneumonia and airway obstruction. Unexpected emergencies like this can happen to any pet, making insurance a lifesaver,” explains Batteiger.
French Bulldogs are also prone to allergies, skin infections, and respiratory issues that require lifelong care and treatment—all of which add up over time. Additionally, due to their unique anatomy, Frenchies often need specialist care, surgery, and post-op rehabilitation, which can be financially overwhelming without insurance.
While pet insurance for French Bulldog is often expensive, most Frenchie owners agree it’s well worth it.
These figures are high when you compare them to the average cost of an accident and illness plan for all dogs, which is $56.30, based on data from the North American Pet Health Insurance Association (NAPHIA). Keep in mind that the cost to insure your Frenchie will depend on your location, their age, the insurance company you choose, and the type of plan you select. It’s a good idea to shop around and compare all your options so you can zero in on the best deal.
As you research pet insurance options for your French Bulldog, these essential factors should be top of mind.
Frenchies are predisposed to genetic disorders like BOAS, hip dysplasia, and IVDD. Some pet insurance companies will cover these conditions as long as they’re not pre-existing or your Frenchie has been symptom-free for a certain period of time. Also, many French Bulldogs require ongoing care for skin allergies, joint issues, and breathing difficulties, which can be more affordable to treat with the right pet insurance plan.
Make sure the plan you choose covers emergency visits, hospital stays, medications, diagnostics, and surgeries for conditions like pneumonia, airway obstruction, or spinal issues. These are all common vet expenses for the owners of French bulldogs.
“Physical therapy, hydrotherapy, acupuncture, and laser therapy can be critical for French Bulldogs who are recovering from orthopedic and breathing-related issues,” says Batteiger. Even though these aren’t considered conventional therapies, many pet insurance companies include them in their plans.
You and your French Bulldog have unique needs. That’s why customization is essential.
“Pet parents should be able to adjust their deductible, reimbursement percentage, and annual limit to find a plan that fits their budget,” explains Batteiger. Joe Spector, CEO of Dutch, a vet telemedicine company, adds that plans with no annual limits for Frenchies are particularly important as out-of-pocket costs for their medical care can skyrocket quickly.
No coverage limit
“Vaccines, flea/tick prevention, and wellness exams can help prevent major health issues later,” says Batteiger. Most pet insurance companies offer wellness plans as add-ons to accident-only or accident and illness coverage. They will increase your premiums but the additional peace of mind may be invaluable as a Frenchie owner.
These tips from Batteiger can make it easier to land a great deal on pet insurance for your Frenchie.
Starting coverage as a puppy ensures that hereditary conditions aren’t considered pre-existing, keeping premiums lower. Putting off pet insurance can cost you in the long run so it’s important to make it a priority.
Choosing a higher deductible lowers monthly premiums while still providing major financial protection. If you go this route, however, make sure you can afford the higher out-of-pocket costs you may incur with Frenchie ownership.
Adjusting your plan to 70% reimbursement instead of 90% can reduce premium costs while still covering significant vet bills. Again, ensure you have the financial situation and savings that can cover the more expensive out-of-pocket expenses.
Most pet insurers offer several discounts to make their pet insurance plans more affordable. Some of the most common discount opportunities you may want to look for include multi-pet discounts, military discounts, annual payment discounts, and veterinary employee discounts.
Depending on the situation, telemedicine may be sufficient to treat your Frenchie and save you some money along the way.
Telemedicine is significantly more affordable than going to the vet for an in-person visit,
–Joe Spector, CEO of Dutch
These tips may help you cover the cost of your Frenchies’ vet bills:
“There are a number of pay over time options that can make it more manageable to pay for care,” explains Spector. You can ask your vet if they have in-house payment plans or turn to third parties such as CareCredit.
Some pet parents may elect to set up a pet savings account in lieu of pet insurance, regularly setting aside funds to cover veterinary expenses.
“While this can be a proactive approach, with veterinary costs on the rise, a single unexpected claim could easily drain the entire account depending on where you're at in the year. This makes it risky to rely solely on savings, as a major medical issue could leave pet parents scrambling to cover costs,” explains Batteiger.
“Pet charities like RedRover and The Pet Fund provide financial aid in emergencies,” says Batteiger. Note that charities may require you to meet certain income or other criteria in order to qualify for their support. Regardless of whether you’re eligible or not, it can be worth applying, especially if you can explain why you’re in dire need of aid.
Yes, pet insurance is usually a smart investment for French Bulldogs as these dogs have a genetic makeup that increases the risk of high vet bills.
The best pet insurance for Frenchies depends on your budget, goals, and preferences. Lemonade, Spot, ASPCA Pet Health, Fetch, Embrace, Healthy Paws, Figo, Pumpkin, and MetLife are all good options to consider.
On average, Frenchies live between 11 and 14 years. You can increase a French Bulldog’s lifespan by prioritizing their health and investing in the right pet insurance policy.
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Read MoreAnna Baluch is an insurance and finance expert at BestMoney.com. She has written for Forbes, Newsweek, Credit Karma, CNN, and many other top publications.
