Lemonade is the best pet insurance company for American Bulldogs because of its competitive rates, strong customer satisfaction scores and comprehensive coverage options. Other top-rated providers are AKC, Pets Best and Rainwalk.
American Bulldog Insurance
Updated: September 4, 2025
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Key Takeaways
Lemonade is the best pet insurance company for American Bulldogs, offering strong coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for American Bulldogs, with average rates of around $53 monthly for standard protection.
The average monthly premium for American Bulldogs is $168, ranking them as the 23rd most expensive dog breed to insure.
Best American Bulldog Pet Insurance Companies
| Lemonade | 3.95 | $55 | 3 | 6 |
| AKC | 3.90 | $90 | 3 | 1 |
| Pets Best | 3.90 | $62 | 5 | 2 |
| Rainwalk | 3.85 | $83 | 1 | 4 |
| Pumpkin | 3.65 | $53 | 3 | 11 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
Lemonade
Best for American Bulldogs
MoneyGeek Rating
4.0/ 5
4/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$55Overall Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Best American Bulldog Pet Insurance by State
Lemonade ranks as the top American Bulldog insurance provider in 47 states. AKC holds the second spot nationwide, leading in eight states including Washington, Oklahoma and North Dakota.
| Alabama | Lemonade | 4.00 |
| Alaska | Lemonade | 3.95 |
| Arizona | Lemonade | 3.95 |
| Arkansas | Lemonade | 4.00 |
| Arkansas | AKC | 4.00 |
| California | Lemonade | 3.95 |
| Colorado | Lemonade | 3.95 |
| Connecticut | Lemonade | 3.95 |
| Delaware | Lemonade | 3.95 |
| Florida | Lemonade | 3.95 |
| Florida | AKC | 3.95 |
| Georgia | Lemonade | 3.95 |
| Hawaii | Lemonade | 3.95 |
| Idaho | Lemonade | 3.95 |
| Illinois | Rainwalk | 4.00 |
| Indiana | Lemonade | 3.95 |
| Indiana | AKC | 3.95 |
| Iowa | Lemonade | 4.00 |
| Kansas | Lemonade | 3.95 |
| Kansas | Rainwalk | 3.95 |
| Kentucky | Lemonade | 4.05 |
| Louisiana | Lemonade | 4.00 |
| Maine | Lemonade | 3.95 |
| Maryland | Lemonade | 4.00 |
| Massachusetts | Lemonade | 3.95 |
| Michigan | Lemonade | 3.95 |
| Minnesota | Lemonade | 3.95 |
| Mississippi | Lemonade | 4.00 |
| Missouri | Lemonade | 4.00 |
| Montana | Lemonade | 4.00 |
| Nebraska | Lemonade | 3.95 |
| Nevada | Lemonade | 3.95 |
| New Hampshire | Lemonade | 3.95 |
| New Jersey | Lemonade | 3.95 |
| New Mexico | AKC | 4.00 |
| New Mexico | Lemonade | 4.00 |
| New York | Lemonade | 3.95 |
| North Carolina | Lemonade | 4.00 |
| North Dakota | AKC | 4.00 |
| North Dakota | Lemonade | 4.00 |
| Ohio | Lemonade | 3.95 |
| Oklahoma | AKC | 4.00 |
| Oklahoma | Lemonade | 4.00 |
| Oregon | Lemonade | 3.95 |
| Pennsylvania | Lemonade | 3.95 |
| Rhode Island | Lemonade | 4.00 |
| South Carolina | Lemonade | 4.00 |
| South Dakota | AKC | 4.00 |
| Tennessee | Lemonade | 3.95 |
| Tennessee | Rainwalk | 3.95 |
| Texas | Lemonade | 3.95 |
| Utah | Lemonade | 3.95 |
| Vermont | Lemonade | 3.95 |
| Virginia | Lemonade | 3.95 |
| Virginia | Rainwalk | 3.95 |
| Washington | AKC | 4.10 |
| West Virginia | Lemonade | 3.95 |
| Wisconsin | Lemonade | 3.95 |
| Wyoming | Lemonade | 4.00 |
*Rates are based on a 6-year-old American Bulldog with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest American Bulldog Pet Insurance Companies
Pumpkin offers the lowest-cost pet insurance for American Bulldogs at $53 per month or $635 per year. Other budget-friendly providers include Lemonade, Pets Best, ASPCA and Figo.
| Pumpkin | $53 | $635 | 3% |
| Lemonade | $55 | $661 | 1% |
| Pets Best | $62 | $749 | 14% |
| ASPCA | $67 | $802 | 22% |
| Figo | $76 | $922 | 40% |
*Rates are based on a 6-year-old American Bulldog with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for American Bulldogs
MoneyGeek Rating
3.6/ 5
4/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$53Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
No upper age limits or breed restrictions
Cheapest American Bulldog Pet Insurance by State
Pumpkin offers the most affordable pet insurance for American Bulldogs nationwide, ranking cheapest in 50 states. Monthly premiums range from $35 to $68, depending on location.
| Alabama | Pumpkin | $39 | 8% |
| Alaska | Pumpkin | $51 | 5% |
| Arizona | Pumpkin | $64 | 0% |
| Arkansas | Pumpkin | $35 | 8% |
| California | Pumpkin | $67 | 3% |
| Colorado | Pumpkin | $66 | 1% |
| Connecticut | Pumpkin | $60 | 2% |
| Delaware | Pumpkin | $53 | 4% |
| Florida | Pumpkin | $60 | 2% |
| Georgia | Pumpkin | $47 | 2% |
| Hawaii | Pumpkin | $53 | 5% |
| Idaho | Pumpkin | $53 | 2% |
| Illinois | Pumpkin | $65 | 0% |
| Indiana | Pumpkin | $48 | 1% |
| Iowa | Pumpkin | $44 | 5% |
| Kansas | Pumpkin | $48 | 4% |
| Kentucky | Pumpkin | $42 | 8% |
| Louisiana | Pumpkin | $42 | 6% |
| Maine | Pumpkin | $64 | 3% |
| Maryland | Pumpkin | $52 | 11% |
| Massachusetts | Pumpkin | $68 | 1% |
| Michigan | Pumpkin | $53 | 3% |
| Minnesota | Pumpkin | $55 | 1% |
| Mississippi | Pumpkin | $45 | 5% |
| Missouri | Pumpkin | $42 | 5% |
| Montana | Pumpkin | $44 | 5% |
| Nebraska | Pumpkin | $48 | 4% |
| Nevada | Pumpkin | $55 | 2% |
| New Hampshire | Pumpkin | $61 | 1% |
| New Jersey | Pumpkin | $59 | 1% |
| New Mexico | Pumpkin | $46 | 5% |
| New York | Pumpkin | $57 | 2% |
| North Carolina | Pumpkin | $47 | 6% |
| North Dakota | Pumpkin | $40 | 5% |
| Ohio | Pumpkin | $48 | 5% |
| Oklahoma | Pumpkin | $44 | 5% |
| Oregon | Pumpkin | $65 | 1% |
| Pennsylvania | Pumpkin | $55 | 4% |
| Rhode Island | Pumpkin | $46 | 5% |
| South Carolina | Pumpkin | $50 | 1% |
| South Dakota | Pumpkin | $47 | 6% |
| Tennessee | Pumpkin | $49 | 2% |
| Texas | Pumpkin | $56 | 1% |
| Utah | Pumpkin | $50 | 5% |
| Vermont | Pumpkin | $49 | 5% |
| Virginia | Pumpkin | $56 | 5% |
| Washington | Pumpkin | $61 | 6% |
| West Virginia | Pumpkin | $45 | 3% |
| Wisconsin | Pumpkin | $56 | 5% |
| Wyoming | Pumpkin | $49 | 3% |
*Rates are based on a 6-year-old American Bulldog with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does American Bulldog Insurance Cost?
Monthly insurance premiums for American Bulldogs range from $114 to $217 across the U.S., ranking as the 23rd most expensive breed to insure. Your costs will vary based on your coverage choices, location and pet's needs.
| Alabama | $127 | $1,522 | -24% |
| Alaska | $166 | $1,993 | -1% |
| Arizona | $200 | $2,405 | 19% |
| Arkansas | $114 | $1,367 | -32% |
| California | $208 | $2,499 | 24% |
| Colorado | $210 | $2,525 | 25% |
| Connecticut | $192 | $2,306 | 14% |
| Delaware | $170 | $2,044 | 1% |
| Florida | $191 | $2,296 | 14% |
| Georgia | $149 | $1,793 | -11% |
| Hawaii | $171 | $2,061 | 2% |
| Idaho | $167 | $2,012 | -0% |
| Illinois | $205 | $2,470 | 23% |
| Indiana | $151 | $1,821 | -10% |
| Iowa | $139 | $1,671 | -17% |
| Kansas | $153 | $1,834 | -9% |
| Kentucky | $134 | $1,614 | -20% |
| Louisiana | $136 | $1,630 | -19% |
| Maine | $202 | $2,435 | 21% |
| Maryland | $175 | $2,107 | 5% |
| Massachusetts | $217 | $2,615 | 30% |
| Michigan | $169 | $2,030 | 1% |
| Minnesota | $172 | $2,067 | 3% |
| Mississippi | $145 | $1,738 | -14% |
| Missouri | $133 | $1,598 | -21% |
| Montana | $142 | $1,712 | -15% |
| Nebraska | $150 | $1,809 | -10% |
| Nevada | $171 | $2,056 | 2% |
| New Hampshire | $193 | $2,317 | 15% |
| New Jersey | $188 | $2,257 | 12% |
| New Mexico | $148 | $1,776 | -12% |
| New York | $183 | $2,206 | 9% |
| North Carolina | $152 | $1,827 | -9% |
| North Dakota | $130 | $1,558 | -23% |
| Ohio | $156 | $1,878 | -7% |
| Oklahoma | $141 | $1,689 | -16% |
| Oregon | $208 | $2,505 | 24% |
| Pennsylvania | $177 | $2,119 | 5% |
| Rhode Island | $148 | $1,783 | -12% |
| South Carolina | $161 | $1,940 | -4% |
| South Dakota | $151 | $1,809 | -10% |
| Tennessee | $155 | $1,859 | -8% |
| Texas | $173 | $2,080 | 3% |
| Utah | $163 | $1,956 | -3% |
| Vermont | $156 | $1,878 | -7% |
| Virginia | $183 | $2,203 | 9% |
| Washington | $194 | $2,334 | 16% |
| West Virginia | $144 | $1,732 | -14% |
| Wisconsin | $181 | $2,176 | 8% |
| Wyoming | $154 | $1,855 | -8% |
*The rates include all coverage selections on the market for a 6-year-old American Bulldog. Your rates will differ based on your pet's specific profile and location.
What Factors Affect American Bulldog Insurance Costs?
American Bulldogs rank as the 23rd most expensive dog breed to insure, with premiums averaging $168 monthly. Understanding these cost factors helps owners plan coverage expenses and manage pet insurance budgets effectively.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
American Bulldogs have breed-specific health concerns that insurers consider high-risk. Hip dysplasia requires costly surgery in this breed. They are also prone to cardiac issues, eye problems like cherry eye and skin conditions due to their facial folds. These hereditary conditions increase lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 40% to 80% higher vet costs
As a large breed weighing 60 to 120 pounds, American Bulldogs require more extensive medical care than smaller dogs. Their size means higher medication doses, additional anesthesia during surgeries, and specialized equipment. Their muscular build and weight also put extra stress on joints, often requiring longer recovery periods and support equipment like lifting harnesses or reinforced beds.
Lifespan Considerations
Annual Vet Costs By Age: $300 to $700 (Young) to $1,200 to $3,500 (Senior)
American Bulldogs typically live 10 to 12 years, which is relatively short compared to other breeds. This compressed lifespan often means age-related health issues develop earlier. Senior American Bulldogs frequently need more intensive medical care, including regular blood work, medication management and treatments for arthritis or organ dysfunction.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
American Bulldogs are powerful, athletic dogs originally bred for working and guarding. Their strong build and active nature increase risks of cruciate ligament tears, muscle strains and impact injuries during play or exercise. Their protective instincts affect liability coverage options.
Breeding-Related Issues
Potential Vet Costs: $2,000 to $12,000
Poor breeding practices have increased genetic health problems in American Bulldogs. Insurers consider poorly bred American Bulldogs high risk, affecting coverage terms. Selecting a puppy from health-tested parents with documented medical screenings reduces future veterinary expenses and insurance complications.
Your American Bulldog's health profile matters more than general breed statistics when choosing insurance coverage. When selecting a policy, consider both your budget and your pet's medical history. Consult your veterinarian to get an insight into your dog's health risks and coverage needs.
INSURANCE RISK PREVENTION
Protect your American Bulldog's health by maintaining a healthy weight through measured meals and daily exercise. Schedule regular vet checkups to catch issues early, and choose a breeder who performs genetic health testing. Keep your dog's joints healthy with appropriate exercise on soft surfaces, and watch for signs of overheating during activity. Consider pet insurance early, as coverage costs less when started young.
How to Get the Best Cheap American Bulldog Pet Insurance
Finding affordable American Bulldog insurance takes some research, but these steps make it straightforward.
- 1
Understand Your Coverage Options
American Bulldogs have specific health needs that can affect insurance costs. Learn about different types of pet insurance coverage to match your dog's needs and your budget.
- 2
Compare Insurance Companies
Get quotes from at least three pet insurance providers. Look for companies with good customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Check waiting periods and exclusions before signing up. Pay special attention to coverage for common American Bulldog health issues like hip dysplasia and heart problems.
- 4
Get Multiple Online Quotes
Use online quote tools to compare prices quickly. Rates can vary by hundreds of dollars between companies for the same coverage.
- 5
Check Rates Yearly
Review your policy and get new quotes each year at renewal time. Your dog's needs change with age, and new insurance options may offer better value.
American Bulldog Dog Insurance: Bottom Line
Lemonade is the best pet insurance provider for American Bulldogs, while Pumpkin offers the lowest monthly premiums. Compare these insurers and other trusted providers to find the right match for your dog's health needs and your budget. The right policy provides peace of mind and reliable coverage when health issues arise.
Pet Insurance for American Bulldog: FAQ
Our insurance experts answer common questions about American Bulldog coverage and costs.
What is the best pet insurance provider for American Bulldogs overall?
Lemonade stands out as the top pet insurance provider for American Bulldogs, offering comprehensive coverage and exceptional customer experience. Despite slightly higher premiums, their extensive benefits and reliable service make them a valuable choice.
Who offers the cheapest pet insurance for American Bulldogs?
Pumpkin Insurance offers the lowest rates for American Bulldogs at $53 per month for standard coverage. Note that actual premiums will vary depending on your location, pet's age, and other individual factors.
How much does American Bulldog insurance cost?
American Bulldogs rank as the 23rd most expensive breed to insure, with average premiums of $168 per month. Monthly insurance costs vary significantly by location, ranging from $114 to $217.
What are the most common accident and illness risks for American Bulldogs?
American Bulldogs commonly face hip dysplasia (causing joint pain and limited mobility), gastric dilatation-volvulus or bloat (a life-threatening stomach condition) and allergies (leading to skin irritation and respiratory issues). These health risks are primarily linked to the breed's large size, muscular build and genetic predisposition.
How We Found the Best and Cheapest American Bulldog Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for American Bulldogs. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for American Bulldogs.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old American Bulldog
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.