Best Pet Insurance For French Bulldogs (2024 Review)

Read more: Spot Review

Spot provides comprehensive coverage for policyholders, starting with two industry-standard base plan variations — accident-only and accident-illness. For extra support, Spot also carries two levels of elective preventative care riders featuring wellness coverage up to $250 or $450 per year. 

More often than not, pet insurance providers will instate an extended waiting period, usually around six months in time, for orthopedic events like cruciate ligament injuries. Spot, on the other hand, does not apply any extending waiting periods to its policies, which is especially advantageous to French Bulldogs, which have a higher onset rate of orthopedic conditions like hip dysplasia, patella luxation, and IVDD. 

related to vet exams, consultations, and lab work. Regular trips to the vet will better your chances at an early diagnosis of potential congenital conditions. Spot prioritizes a prevention-first approach in its policy framework, helping a French Bulldog owner develop targeted approaches for managing their dog’s medical predispositions well before issues arise.

Spot also wraps alternative therapy expenses related to eligible illnesses and injuries in its base policies. Holistic pet care approaches like chiropractic treatments, acupuncture, and hydrotherapy can be especially helpful for older French Bulldogs with health statuses too fragile for more aggressive treatment options.

One of Spot’s exclusions that may pose an issue to French Bulldogs, in particular, is Spot’s bilateral condition clause, which goes paw-in-paw with standard pre-existing condition exclusions. Bilateral conditions refer to medical conditions that can occur on both sides of the body. So, as it relates to Spot’s exclusions, if, for example, your Frenchie begins exhibiting signs of hip dysplasia in one hip before your enrollment, Spot won’t cover the same condition if it occurs in the other hip after your policy start date.

Spot policyholders are able to choose from six incremental maximum coverage limits spanning $2,500 to an unlimited option, which are all feasible depending on the gravity of their pets’ healthcare situations. For additional customization, customers can also choose from five deductibles between $100 to $1,000 and a reimbursement rate of either 70, 80, or 90%.

Read more: Lemonade Review

By virtue of breed-specific health risks, there are a number of diagnostic tests that your vet may recommend for your French Bulldog, including a respiratory function grading scheme, DNA testing for degenerative myelopathy, DNA testing for hereditary cataracts, hip and patella examinations, and a cardiac exam. 

Lemonade offers three add-on options to supplement its stand-alone accident-illness base policy, including coverage for preventative care, physical therapy, and checkup fees. 

While Lemonade’s base policy won’t cover routine diagnostics without the purchase of a wellness rider, should your French Bulldog begin to exhibit symptoms of any common congenital conditions after your policy start date, diagnostics, lab work, inpatient hospitalization, medical imaging (CT scans, MRIs, X-rays, etc.), and prescription medications are just a few of the items that Lemonade will cover. 

Whereas most leading providers require an average waiting period of two weeks for accidents, Lemonade only requires new policyholders to hold off from filing an accident-related claim for 48 hours. 

Frenchies have a tendency to develop bacterial skin infections like skin fold pyoderma, which occurs when moisture becomes trapped between the wrinkles around their noses and snouts, creating a welcoming breeding ground for yeast and bacteria. Infections like this can cause your dog a bit of inflammation and irritation around the affected area. In order to diagnose cases of dermatitis like this, your veterinarian will usually perform a biochemical profile as well as a swab of the skin to identify the presence of yeast. Diagnostic tests like these are covered by Lemonade, up to your selected annual reimbursement percentage.

None of Lemonade’s exclusions should deter French Bulldog owners from receiving the specialized coverage they need. Like any other pet insurance provider, Lemonade does not reimburse veterinary expenses related to pre-existing conditions, even if the condition occurs during your set waiting period. Additionally, Lemonade also excludes elective cosmetic procedures, behavioral treatments, and routine dental care (unless purchased with an add-on.)

As far as plan customizations go, Lemonade doesn’t hold back. Lemonade policyholders can choose from five different annual coverage limits — $5,000, $10,000, $20,000, $50,000, and $100,000. Deductibles are allocated in $100, $250, or $500, and reimbursement rates also come in threes of 70%, 80%, and 90%. 

Lemonade offers some of the sweetest policies on the market. To learn more about how Lemonade might be right from your Frenchie, check our Lemonade pet insurance review.

Read more: ASPCA Review

Offering both accident-only and an ASPCA-exclusive Complete Coverage plan, a dog insurance policy through ASPCA covers some alternative therapies and behavioral issues, in addition to distinguishing between curable and incurable pre-existing conditions, which give French Bulldogs a better chance of receiving coverage for on-again, off-again conditions. 

As a pedigree pet, most people who own French Bulldogs consider their dogs as children. As they should! But 24/7 pampering can also create a comfortable environment for separation anxiety to take form. Separation anxiety isn’t just your Frenchie missing you when you leave; it often looks more like disruptive barking and howling when you’re gone, destructive behavior, attempts to escape, pacing and scratching, and going potty inside. Fortunately, ASPCA policyholders with clingy French Bulldogs have full access to behavioral therapy and treatment, so long as these behaviors didn’t exist prior to enrollment. 

Vet visit fees, diagnostics, lab and blood work, and even microchipping are all included in ASPCA’s bare minimum base plan. 

Coverage for genetic conditions is only available in ASPCA’s accident-illness policy and not accident-only. The same goes for behavioral treatment.  

ASPCA plans have no lifetime maximums but do operate under annual coverage limits, which are offered in choices from $3,000 to $10,000. As far as deductibles go, ASPCA gives its policyholders the option to choose between $100, $250, and $500, alongside reimbursement rates of 70, 80, and 90%. 

As one of the oldest providers on the market, ASPCA sure knows the ropes of what makes a pet insurance policy high-quality. Dig into our breakdown of its available programs in our official ASPCA pet insurance review. 

Read more: Embrace Review

If money is of major concern for you, we highly recommend pursuing a policy through Embrace pet insurance. Through its Healthy Pet Deductible program, French Bulldog parents can save big on their annual deductibles with a $50 reduction per year for every policy term they go without submitting a claim for reimbursement. Assuming your Frenchie is in good health from the start, this program rewards you for being protected ahead of time without needless use of your policy.

Aside from vanishing deductibles available to Embrace policyholders, Embrace also promotes a non-insurance wellness program called Wellness Rewards. Customers select fixed allowance amounts for their preventative care needs and are allowed to use them freely, with no per-item limits as long as they keep within their selected maximums. 

Embrace includes coverage for exam fees at no extra charge in its stock accident-illness policy, which is a veterinary cost that not many providers cover without a few additional bucks per month. With vet visit costs covered, French Bulldog owners won’t have to wager whether or not to take their pets to the vet if something seems off.

Moreover, breed-specific, genetic, and congenital conditions are covered by every Embrace policy as long as no symptoms pre-dated the termination of your waiting period. 

Embrace does not cover DNA testing, which your veterinarian may recommend to assess your French Bulldog for hereditary conditions. Canine DNA tests can range in price from $60 to $200 out-of-pocket, depending on the objective of the test.

Embrace policyholders can choose from five annual coverage limits ranging from $5,000 to $30,000 through either its accident-only or more comprehensive accident-illness policies. Five available deductible selections between $200 to $1,000 are also open to the customer’s discretion. And in the likeness of most other pet insurance plans, Embrace offers reimbursement rates of 70, 80, or 90%.

Interested in learning more about one of the most affordable providers in the pet category? No need to sit and stay through the rest of this guide. Read more about Embrace in our annual Embrace pet insurance review.