5 Cheap Health Insurances for Your French Bulldog



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When it comes to our four-legged family members, their health and happiness are non-negotiable priorities.

Our French Bulldogs, with their endearing personalities and unwavering loyalty, deserve the best care possible. However, navigating the world of pet health insurance can often feel overwhelming, especially when considering the financial aspects. The good news? You don’t have to compromise on quality care for your furry friend just because you’re on a budget.

In this guide, we’ll walk you through five exceptional and budget-friendly health insurance options tailored specifically for your French Bulldog. Let’s explore how you can keep your pup’s tail wagging and your wallet happy, all while ensuring their health and well-being remain top-notch.

Spot Pet Insurance

Depending on which plan you choose for your Frenchie, you could be in for some mega savings. For the wonderful Dave, we were quoted just $31.67 for the accident-only plan and $81.54 for the accident and illness plan. If you’re really strapped for cash, the accident-only plan from Spot can be a great option.

Crafting Coverage to Your Preferences

Spot Pet Insurance excels in providing coverage that suits your French Bulldog’s unique health needs while respecting your budgetary considerations. By offering a range of options for deductibles, annual coverage limits, and reimbursement rates, Spot ensures that you can design a plan that strikes the perfect balance between comprehensive protection and financial feasibility.

Why Spot Earns Our Approval

Spot Pet Insurance’s emphasis on customization allows pet parents to personalize their insurance experience. With plans that cater to different needs and preferences, Spot underscores its commitment to providing coverage that speaks directly to your French Bulldog’s requirements.

Pros and Cons

Pros: Spot stands out for offering one of the most customizable policy arrays in the industry. Their annual limit options span from $2,500 to unlimited, empowering you to tailor the coverage to your comfort level. Additionally, Spot offers the unique choice between an accident-only plan and a comprehensive accident-and-illness plan, catering to different coverage needs.

Cons: While Spot’s customizable plans are a strong point, it’s important to note that their waiting period of 14 days is longer than some competitors, potentially affecting those seeking immediate coverage. Additionally, their customer service availability excludes weekends, which might be a consideration for those seeking weekend assistance.

Coverage as Unique as Your French Bulldog

Spot Pet Insurance presents two distinct plans: an accident-only plan and an accident-and-illness plan. The accident-only plan addresses emergency scenarios like swallowed objects, animal bites, and broken bones. However, given the specific health concerns of French Bulldogs, the accident-and-illness plan is likely a more fitting choice. This plan covers various illnesses, from dental issues to cancer and heart disease, ensuring your French Bulldog’s comprehensive well-being.

Personalized Premiums for Comprehensive Care

To provide you with insight into the financial aspect, Spot quoted us varying premiums for insuring a French Bulldog under different plans. For an accident-and-illness plan, the monthly premium amounted to $81.54, while the accident-only plan presented a lower-cost alternative at $31.67 per month, catering to specific emergency coverage needs.

Get a quote from Spot for your French Bulldog.

Lemonade Pet Insurance

Once again, with our beloved “Dave” we checked out the insurance prices over on Lemonade and were pleasantly surprised. For just $35.26 per month, Dave would be insured for injuries, broken bones, UTIs, and cancer. This is just the base package and for small extra amounts per month, you can include things like behavioral treatments, physiotherapy, and even dental care.

Customizable Plans for Financial Flexibility

Lemonade’s pet insurance offers an array of flexible options, allowing you to tailor your plan to suit your financial preferences and your French Bulldog’s unique needs. Choose from varying deductibles, including $100, $250, or $500, and opt for annual coverage limits ranging from $5,000 to $100,000. Reimbursement rates of 70%, 80%, or 90% further empower you to create a plan that aligns with your budgetary comfort.

Why Lemonade Stands Out

Lemonade sets itself apart by recognizing the distinct health concerns of French Bulldogs. Their plans encompass treatments that are common among these lovable companions, such as specialized assessments for breathing difficulties and thorough examinations for conditions like hip dysplasia. A standout feature of Lemonade is its affordability, offering policies that are budget-friendly without compromising on quality coverage.

Pros and Cons

Pros: Lemonade’s coverage embraces a variety of treatments and care necessary for the well-being of French Bulldogs. The insurer boasts a mere two-day waiting period for accident coverage, significantly shorter than many competitors. Additionally, Lemonade sweetens the deal by offering a 10% discount for bundling pet insurance with their renowned home or renters insurance policies.

Cons: While Lemonade’s offerings are impressive, it’s essential to note that their pet insurance services are currently not available in 15 states, including Alaska, Delaware, Florida, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, Minnesota, South Dakota, Vermont, West Virginia, and Wyoming. Moreover, the coverage is not extended to pets older than 14 years.

Coverage Unveiled

Lemonade presents a comprehensive plan catering to accidents and illnesses, ensuring your French Bulldog is covered for a range of unexpected events. From diagnostic tests and hospitalizations to surgeries, cancer treatments, and even broken bones or sprains, Lemonade’s coverage leaves no stone unturned. It’s important to understand that preexisting conditions, cosmetic procedures, and behavioral treatments fall outside the scope of coverage, in line with industry standards.

Affordability in Action

To put it into perspective, we obtained a quote from Lemonade for insuring a French Bulldog. The monthly premium came out to an affordable $35.26, making it a cost-effective choice for responsible pet parents seeking comprehensive coverage without breaking the bank.

Check Lemonade Dog’s Insurance prices for yourself.

Figo Dog Insurance

With Figo, we were pretty blown away by the 100% reimbursement policy. Most other insurance providers only gave 70% so this was a very pleasant surprise. For our fabulous Dave, Figo offered coverage from $62.89 per month.

Tailored Reimbursement for Comprehensive Protection

Figo Pet Insurance stands out by offering a variety of reimbursement rates, ensuring that you can choose the plan that best aligns with your preferences and financial capacity. The provider sets itself apart by reimbursing up to 100% of veterinary bills, a remarkable feature that reflects their commitment to comprehensive protection. With a focus on flexibility and tailored coverage, Figo is well-suited to pet parents seeking a provider that caters to their unique needs.

Why Figo Gets Our Vote

Figo Pet Insurance offers a combination of benefits that make it an excellent choice for French Bulldog owners. The provider not only provides unlimited annual benefits but also offers valuable add-ons, including liability coverage for potential damage caused by your pet. Unlike some competitors, Figo doesn’t deny coverage based on age, ensuring that even older Frenchies can access the protection they deserve.

Pros and Cons

Pros: Figo Pet Insurance boasts a one-day waiting period for coverage to kick in, which is notably shorter than many competitors. Furthermore, the provider’s policy doesn’t discriminate against older pets, making it a welcoming option for French Bulldogs of all ages. Figo’s quick and efficient customer support, accessible via text, adds another layer of convenience.

Cons: It’s important to be aware that Figo charges an additional monthly fee for exam fee coverage. Additionally, the provider doesn’t offer coverage for puppies younger than eight weeks, which is a consideration for those looking to insure their French Bulldog from an early age.

Coverage Designed for Your French Bulldog’s Needs

Figo Pet Insurance offers three distinct tiers of accident-and-illness coverage, accommodating various needs and budgets. The Essential plan provides $5,000 of annual coverage, while the Preferred plan offers $10,000. For those seeking unlimited peace of mind, the Unlimited plan is an excellent choice, as it ensures that coverage remains unbounded. Each of these plans covers essential expenses related to a French Bulldog’s health journey, encompassing emergency care visits, lab work, surgeries, and more.

Affordable Premiums for Comprehensive Care

To offer a tangible perspective, Figo quoted us different premiums for insuring a French Bulldog under varying plans. The Essential plan comes in at an accessible $62.89 per month, the Preferred plan at $68.78, and the Unlimited plan at $88.66. This flexible pricing structure caters to pet owners with diverse needs and budgets.

Get a quote from Figo Dog Insurance.

Healthy Paws

We found Healthy Paws Pet Insurance to be a pretty good deal. Using “Dave” the one-year-old French Bulldog, we cost a monthly cost of just $66.36.

Limitless Security for Your Furry Friend

When it comes to safeguarding your French Bulldog’s health, Healthy Paws takes center stage with its unlimited annual and lifetime coverage caps. This reassures pet parents, sparing them the anxiety of surpassing coverage limits and facing costly veterinary bills out of pocket. With a strong emphasis on affordability and expansive coverage, Healthy Paws stands out as an optimal choice, particularly for those seeking comprehensive protection without financial constraints.

Pros and Cons

Pros: The defining factor of Healthy Paws is its unparalleled unlimited coverage for both incidents and over the course of a year or a lifetime. This eliminates the worry associated with financial caps and provides peace of mind to pet parents. Furthermore, Healthy Paws’ pricing structure proves more budget-friendly than competitors offering similar unlimited coverage plans, setting it apart as an economical and all-encompassing choice.

Cons: While Healthy Paws offers extensive coverage, it’s important to note that there are certain exclusions. For instance, coverage for hip dysplasia is limited, especially within the first 12 months of the policy. Additionally, Healthy Paws charges a one-time enrollment fee of $25, which might be a consideration for some pet owners.

Coverage in Detail

Healthy Paws boasts a comprehensive plan covering a broad spectrum of accidents and illnesses that French Bulldogs may encounter. This includes essential treatments like X-rays, laboratory tests, prescription medications, hospitalization, nursing care, and medical supplies. However, there are certain exclusions, such as boarding, microchipping, and hip dysplasia coverage during the initial 12 months of the policy.

Affordable Premiums for Comprehensive Protection

To put it into perspective, we obtained a quote from Healthy Paws for insuring a French Bulldog. The monthly premium came out to a reasonable $66.36. This premium includes a 70% reimbursement rate, a $500 annual deductible, and the unparalleled advantage of unlimited coverage.

Age-Related Considerations

It’s worth noting that for pets over 6 years old, Healthy Paws policies come with adjusted reimbursement rates (ranging from 50% to 70%) and higher annual deductibles (ranging from $500 to $1,000).

Get an exact quote from Health Paws for your own dog.


Embrace Pet Insurance is a leading pet insurance provider for dogs and cats in the United States.

Still fairly affordable but not our best deal, Embrace came out with $77.73 for insurance for Dave. We were a little surprised to see Embrace in the middle of the affordability rankings considering how renowned they are for being an affordable insurance company. However, they are not that expensive and their coverage is very thorough.

An Affordable Choice for Furry Friends

Embrace Pet Insurance stands out as a cost-effective solution for pet parents seeking comprehensive coverage without compromising their budget. Beyond its competitive pricing, Embrace offers a range of discounts that reflect its commitment to making quality pet insurance accessible. These include a 10% discount for each additional pet policy purchased, a 5% military discount, and a 10% discount for employees of companies that endorse Embrace. The Healthy Pet Deductible benefit further sweetens the deal by crediting $50 toward your co-payment each year you don’t file a claim, a unique incentive for responsible pet ownership.

Why Embrace Gets Our Nod

Embrace goes beyond affordability, offering features that add value to your French Bulldog’s insurance experience. Their focus on rewards for responsible pet parents, such as reducing your deductible by $50 each year you abstain from filing a claim, demonstrates their commitment to fostering a strong partnership in your pet’s well-being.

Pros and Cons

Pros: Embrace’s standout attributes include the Healthy Pet Deductible benefit that actively encourages responsible pet ownership. The provider also extends significant discounts, with incentives for additional pets, military personnel, and employees of participating companies. Their 30-day money-back guarantee adds another layer of confidence in their commitment to customer satisfaction.

Cons: While Embrace offers comprehensive coverage, it’s essential to be aware of certain limitations. For instance, there’s an annual limit of $650 on its wellness plan, which could influence your decision if you’re seeking more comprehensive wellness coverage. Additionally, Embrace doesn’t include coverage for supplements and prescription food, a consideration for those with pets requiring specialized diets.

Coverage That Cares for Your French Bulldog

Embrace’s accident-and-illness plan covers a wide spectrum of injuries, illnesses, and chronic conditions. It notably includes coverage for common French Bulldog concerns such as hip dysplasia, as well as crucial treatments like surgery and physical therapy. This comprehensive approach ensures that your French Bulldog is protected against a range of health challenges that may arise.

Budget-Friendly Premiums for Comprehensive Protection

To provide a tangible perspective, Embrace quoted us different premiums for insuring a French Bulldog under varying plans. The monthly premium for a $200 deductible came out to an approachable $77.73, reaffirming Embrace’s commitment to delivering comprehensive coverage at competitive rates.

Ask Embrace for a quote here.

Our Choices for Your Individual Needs

Depending on your budget, Frenchie, and the lifestyle you share, you might find your perfect pet insurance match to be different from your best friends. Check out our handy summary table below to find your ideal match!

Your NeedsIdeal CompanyWhy
Elderly French BulldogSpotNo upper age limit
Affordable full coverageLemonadeThe cheapest accident and illness package
Unlimited coverageHealthy PawsThe most unlimited pet insurance package for Frenchies
Money saving bundlesLemonadeOffers a 10% discount when you insure a home or take out renters insurance with them too
Money savings for long-term customersEmbraceDeductible reduces by $50 each year you don’t claim
Easy customer supportFigoOffers quick and simple support via text message

With so many options out there, it can be easy to feel overwhelmed when shopping for pet insurance for your French Bulldog. With our handy guide, shopping for insurance will be a walk in the dog park!

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