Best Pet Insurance For English Bulldogs (2022)

by

Prized for their stout, muscular stature and characteristic jowls, the Olde English Bulldog was initially bred as an entertainment animal used for bull-baiting — a cruel medieval sport where dogs were pitted against tethered bulls in public arenas. 

Once bull-baiting was outlawed in 1835, the Bulldog population nearly fell to extinction until a few breeders partially revived the breed by cross-breeding dogs left from the original Olde English Bulldog gene pool with mastiffs.

However, such selective breeding practices have left the modern English Bulldog predisposed to an exhaustive list of genetic health disorders and thus expensive veterinary bills. 

In this guide, we’ll zero in on the best pet insurance for English Bulldogs by answering the following questions:

  • Why is pet insurance for English Bulldogs important?
  • How much does pet insurance for English Bulldogs cost?
  • What are our top recommendations for English Bulldog pet insurance?
  • Is pet insurance for English Bulldogs worth it? 

Best Overall

spot pet insurance logo

OUR RATING: 4.9

Most Affordable

Lemonade Pet Insurance Logo

OUR RATING: 4.8

Best for Chronic Conditions

Healthy Paws Pet Insurance

OUR RATING: 4.6

Our Top 3 Picks for English Bulldog Pet Insurance

Spot

Lemonade 

Embrace

Quote

Visit Site

Visit Site

Visit Site

Our Score

4.9/5

4.8/5

4.7/5

Deductible

$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for English Bulldogs

$30 to $50

$37

$30 to 40

Multi-pet Discount

10%

5%

10%

Wellness Add-on

Yes

Yes

Yes

BBB Rating

A

F

A+

Why Is Pet Insurance For English Bulldogs Important?

Smooshed faces, distinctive underbites, and cartoonish proportions keep English Bulldogs among the most popular dog breeds to own. But the selective breeding used to promote these traits for over a century has created a chronically unhealthy breed.

Like French Bulldogs and Pugs, English Bulldogs are a brachycephalic breed. Their short skull bones and wrinkled snouts restrict their ability to breathe correctly, thus predisposing them to several respiratory disorders like brachycephalic airway syndrome (BAS), tracheal collapse, laryngeal paralysis, and soft palate elongation. 

Their flat faces also cause their eyes to protrude, making English Bulldogs more susceptible to eye injuries as well as optical conditions like cherry eye, conjunctivitis, corneal ulcers, entropion/ectropion, and cataracts. 

Orthopedic conditions are also something that English Bulldog owners need to be prepared to pay for. Due to its compressed stature and wide gait, an English Bulldog is at risk for canine chondrodysplasia, hip dysplasia, elbow dysplasia, patellar luxation, cruciate ligament tears, hemivertebra, and more. 

Other health problems common in English Bulldogs include thyroid issues, cardiovascular complications, skin fold dermatitis, hereditary deafness, gastric bloat, and cancer. 

Needless to say, the odds of an English Bulldog with an impeccable medical record are slim to none. Therefore, some big-ticket vet bills are probable for Bulldog owners.  

The right pet insurance policy can help pet parents finance their beloved Bully’s healthcare cost by reimbursing a portion of some of the following expenses:

Injury/Illness

Estimated Expense

Brachycephalic airway syndrome (BAS)

$500 to $1,500

Laryngeal paralysis

$2,600 to $5,200

Cataracts

$2,700 to $4,000

Hip dysplasia

$1,200 to $7,000 per hip

Thyroid disorders

$300 to $700 per year

How Much Does Pet Insurance For English Bulldogs Cost?

On average, pet health insurance for English Bulldogs costs between $40 and $70 per month. However, your personalized premium will largely depend on where you live in the United States, as most carriers will base your monthly rate on the cost of living within your residential ZIP code. 

For instance, a pet owner residing in a small town in the Alaskan upcountry with a low cost of living will naturally pay less per month for cat or dog insurance than someone living in, say, New York or any other major metropolitan area.

Here’s how an accident/illness policy for an English Bulldog might vary in price across different regions of the country:

State

Estimated Cost

California

$45.96

Florida

$58.48

Indiana

$62.99

New York

$58.92

*These estimates are based on standard accident/illness coverage with a $4,000 annual limit, an 80% reimbursement rate, and an annual deductible of $250 for an alias 2-year-old English Bulldog living in the capital city of each featured state. Prices are subject to change. 

Best Pet Insurance for English Bulldogs

As you compare providers, you’ll want to watch out for limits on hereditary conditions as well as bilateral exclusion clauses. Some plans may appear most cost-effective at first, when in reality, they just have a longer list of exclusions. 

Spot for English Bulldogs

Spot splits its standard coverage between an accident-only and accident/illness base plan. At no extra cost, Spot includes microchipping, exam fees, behavioral therapy, and alternative therapies (chiropractic care, acupuncture, hydrotherapy, etc.)

We love that Spot wraps alternative therapies into its base policies due to the number of orthopedic conditions common in English Bulldogs. On the contrary, Spot upholds specific bilateral condition exclusions that English Bulldog owners need to be aware of. 

For example, suppose your dog is diagnosed with a cataract in its left eye before your policy start date. In that case, you won’t be eligible for coverage should another cataract develop in your dog’s left eye later on, as cataracts as a whole would be deemed a pre-existing condition by Spot. 

Pros and Cons

Pros 

  • Prospective customers who generate a custom pet insurance quote get a free dog training manual 
  • Offers an option for unlimited annual coverage benefits
  • Includes microchips, exam fees, behavioral therapy, and alternative therapies in standard coverage

Cons

  • Slightly more expensive monthly rates than competing providers
  • Doesn’t cover prescription pet food

For more information on how Spot could be right for you, take a look at our Spot pet insurance review

Lemonade for English Bulldogs

Lemonade is ideal for Bully owners on a budget, as this provider offers some of the lowest monthly rates among other top pet insurance companies. Its policies start as low as $10 per month, but English Bulldog owners should expect to pay somewhere around $40.

As the first fully digital insurer on the pet insurance marketplace, Lemonade consolidates its enrollment, plan management, and customer service features to a user-friendly online interface.

In terms of coverage, Lemonade operates under one principal accident/illness policy, which can be modified to fit your price and coverage objectives through an array of customization options. With Lemonade’s standard coverage, you’ll be covered for everything from sprains to stem cell therapy, but you won’t be reimbursed for dental illness care or behavioral therapy. 

Pros and Cons

Pros

  • Covers up to $100,000 per year in eligible expenses
  • Offers a variety of stackable discounts
  • Competitively affordable monthly premiums compared to other providers

Cons

  • Only available in 36 select states and Washington, D.C.
  • Dogs can only be initially enrolled in Lemonade coverage up until the age of 14

Interested in a Lemonade policy for your English Bulldog? Read our Lemonade pet insurance review for an in-depth evaluation of this provider.

Embrace for English Bulldogs

If you aren’t sure what might qualify as a pre-existing condition, Embrace offers a free review of your English Bulldog’s medical record to help clarify what you’ll be covered for before you file a claim.

No pet insurers will cover pre-existing conditions, but Embrace distinguishes between curable and incurable conditions, allowing coverage for health issues that clear up in 12 months without veterinary attention.

Dogs under the age of 15 are eligible to enroll in Embrace’s accident/illness coverage, where they’ll be insured for up to $30,000 per year for covered veterinary services. Any pets over the age of 15 won’t be able to enroll in comprehensive coverage through Embrace but can still access accident-only insurance with benefits capped at $5,000 per year. 

For maximized coverage, policyholders can enroll in Wellness Rewards by Embrace, a non-insurance preventative care rider offering routine care reimbursement under preset annual allowances of $250, $450, or $650 per year.  

To learn more about Embrace and its coverage details, check out our full Embrace pet insurance review.

Pros and Cons

Pros

  • Includes a free medical history review for all new policyholders
  • Will lower your deductible by $50 for every year you don’t need to submit a claim for reimbursement
  • Flexible pre-existing conditions clause

Cons

  • Doesn’t offer an unlimited annual payout option
  • Six-month waiting period on orthopedic conditions like hip dysplasia or cruciate ligament injuries

Healthy Paws for English Bulldogs

Among all other pet insurance providers, Healthy Paws is one of the few that offers a direct vet payment option. Direct vet payment may come in handy for English Bulldog owners if you’re handed a $1,000+ bill for an eligible health condition and don’t have the cash to cover the costs upfront. Instead of taking a traditional reimbursement approach, Healthy Paws will compensate any licensed veterinarian directly. 

Pet parents that enroll in a policy with Healthy Paws will have access to comprehensive coverage with no annual or lifetime limits. Healthy Paws also boasts an average reimbursement turnaround time of two business days. 

Pros and Cons

Pros 

  • Pet insurance policies are transferable and will still cover your Bully between owners at no extra cost if rehoming ever occurs
  • Offers unlimited annual coverage limits for all policyholders
  • Has donated over $1.6 million to 300+ nonprofit animal welfare organizations

Cons

  • Doesn’t offer preventative care or any other optional plan add-ons
  • Won’t cover hip dysplasia in pets that enroll after the age of six

Read on about Healthy Paws and its straightforward pet insurance policies in our Healthy Paws pet insurance review

ASPCA for English Bulldogs

Though ASPCA does offer an accident-only policy, which will cover you for emergency injuries like broken bones, bite wounds, and much more, we’d most recommend ASPCA’s Complete Coverage plan level for English Bulldogs. With Complete Coverage, you’ll be insured for unexpected illnesses, hereditary conditions, and chronic conditions such as arthritis, diabetes, gastrointestinal issues, cancer, etc.

Also, no matter what plan customers choose, they’ll be automatically covered for microchipping expenses and vet fees. 

Pros and Cons

Pros

  • Extensive coverage for congenital conditions
  • Includes microchip implantation and exam fees in standard coverage
  • Premiums won’t increase when you file a claim

Cons

  • Customers can only make changes to their coverage at the start of each policy period
  • Maximum annual coverage limit is only $10,000

Continue reading about ASPCA and its policies in our complete ASPCA pet insurance review.

Is Pet Insurance For English Bulldogs Worth it?

The long history of human interference with English Bulldog genetics has left the breed ill-fated to a laundry list of chronic health issues and an average lifespan of only 6 years. 

Guaranteeing your English Bulldog’s quality of life begins by investing in a preventative-first approach. Optional wellness plans offered in tandem with standard pet insurance coverage can help you afford orthopedic screenings, diagnostics, vaccinations, and other routine care items necessary for effectively monitoring your dog’s health.  

Additionally, though congenital conditions take form at or even before birth, symptoms might not eventuate until later in your dog’s life. Taking charge of your English Bulldog’s access to healthcare by enrolling in a pet insurance plan from the get-go could end up saving you thousands of dollars should unexpected illness or injury occur. 

Final Thoughts 

Based on our research, the best pet insurance for English Bulldogs offers generous annual payout limits and catch-all coverage for congenital conditions, as well as a few preventative care options just in case. 

If you’re not yet a dog owner but are thinking about adopting an English Bulldog puppy in the near future, check bulldog-specific rescues and shelters first. 

Here are a few rescue options dedicated to rehoming English Bulldogs and other Bulldog breeds:

For those more interested in purchasing a purebred English Bulldog, we urge you to only consider reputable breeders who are registered under the AKC. You’ll also want to ensure that any breeder you pursue is certified by the Orthopedic Foundation of America (OFA), which screens and catalogs breeders to ensure their breeding practices are ethical, regulated, and focused on mitigating genetic diseases. 

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.