The best pet insurance company for Bichon Frises is AKC due to its comprehensive coverage options and strong customer satisfaction ratings. Other top-rated providers include Rainwalk, Pets Best and Lemonade.
Bichon Frise Insurance
Updated: September 2, 2025
Advertising & Editorial Disclosure
Key Takeaways
AKC is the best pet insurance company for Bichon Frises, offering strong coverage and service quality.
Pets Best provides the cheapest pet insurance rates for Bichon Frises, with plans starting at an average of $28 monthly.
The average monthly premium for Bichon Frises is $92, making them the 140th most expensive dog breed to insure.
Best Bichon Frise Pet Insurance Companies
| AKC | 4.40 | $47 | 3 | 1 |
| Rainwalk | 4.35 | $46 | 1 | 4 |
| Pets Best | 4.35 | $28 | 5 | 2 |
| Lemonade | 4.30 | $30 | 3 | 6 |
| Spot | 4.00 | $46 | 2 | 8 |
*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.
AKC
Best for Bichon Frises
MoneyGeek Rating
4.4/ 5
4.2/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$47Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Bichon Frise Pet Insurance by State
AKC ranks as the top pet insurance provider for Bichon Frises in 49 states nationwide. Rainwalk leads in seven states, including Illinois, Michigan and Virginia.
| Alabama | AKC | 4.40 |
| Alabama | Rainwalk | 4.40 |
| Alaska | AKC | 4.40 |
| Arizona | AKC | 4.40 |
| Arkansas | AKC | 4.50 |
| California | AKC | 4.45 |
| Colorado | AKC | 4.40 |
| Connecticut | AKC | 4.40 |
| Delaware | AKC | 4.40 |
| Florida | AKC | 4.45 |
| Georgia | AKC | 4.40 |
| Hawaii | AKC | 4.40 |
| Idaho | AKC | 4.40 |
| Illinois | Rainwalk | 4.40 |
| Illinois | AKC | 4.40 |
| Indiana | AKC | 4.45 |
| Iowa | AKC | 4.40 |
| Kansas | AKC | 4.40 |
| Kansas | Rainwalk | 4.40 |
| Kentucky | AKC | 4.45 |
| Louisiana | AKC | 4.40 |
| Maine | AKC | 4.40 |
| Maryland | AKC | 4.40 |
| Massachusetts | AKC | 4.40 |
| Michigan | Rainwalk | 4.35 |
| Michigan | Pets Best | 4.35 |
| Michigan | AKC | 4.35 |
| Minnesota | AKC | 4.40 |
| Mississippi | AKC | 4.40 |
| Missouri | AKC | 4.40 |
| Montana | AKC | 4.40 |
| Nebraska | AKC | 4.40 |
| Nevada | AKC | 4.40 |
| New Hampshire | AKC | 4.40 |
| New Jersey | AKC | 4.40 |
| New Mexico | AKC | 4.45 |
| New York | AKC | 4.45 |
| North Carolina | AKC | 4.40 |
| North Dakota | AKC | 4.45 |
| Ohio | AKC | 4.40 |
| Oklahoma | AKC | 4.50 |
| Oregon | AKC | 4.40 |
| Pennsylvania | AKC | 4.45 |
| Rhode Island | AKC | 4.45 |
| South Carolina | AKC | 4.40 |
| South Carolina | Rainwalk | 4.40 |
| South Dakota | AKC | 4.45 |
| Tennessee | AKC | 4.40 |
| Texas | AKC | 4.45 |
| Utah | AKC | 4.35 |
| Utah | Rainwalk | 4.35 |
| Utah | Pets Best | 4.35 |
| Vermont | AKC | 4.40 |
| Virginia | Rainwalk | 4.40 |
| Washington | AKC | 4.50 |
| West Virginia | AKC | 4.40 |
| Wisconsin | AKC | 4.35 |
| Wisconsin | Pets Best | 4.35 |
| Wyoming | AKC | 4.45 |
*Rates are based on a 6-year-old Bichon Frise 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 Bichon Frise Pet Insurance Companies
Pets Best provides the most affordable pet insurance for Bichon Frises at $28 per month or $335 per year. Other budget-friendly options include Lemonade, Pumpkin, ASPCA and Figo.
| Pets Best | $28 | $335 | 49% |
| Lemonade | $30 | $357 | 46% |
| Pumpkin | $37 | $447 | 32% |
| ASPCA | $39 | $463 | 29% |
| Figo | $39 | $472 | 28% |
*Rates are based on a 6-year-old Bichon Frise with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pets Best
Cheapest Pet Insurance for Bichon Frises
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$28Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Rehab Coverage
Cheapest Bichon Frise Pet Insurance by State
Pets Best leads in affordability for Bichon Frise insurance, offering the lowest rates in 50 states nationwide. Monthly premiums range from $19 to $36, depending on your location.
| Alabama | Pets Best | $20 | 52% |
| Alaska | Pets Best | $27 | 50% |
| Arizona | Pets Best | $34 | 47% |
| Arkansas | Pets Best | $19 | 51% |
| California | Pets Best | $35 | 46% |
| Colorado | Pets Best | $35 | 48% |
| Connecticut | Pets Best | $32 | 48% |
| Delaware | Pets Best | $28 | 50% |
| Florida | Pets Best | $31 | 49% |
| Georgia | Pets Best | $25 | 48% |
| Hawaii | Pets Best | $28 | 50% |
| Idaho | Pets Best | $28 | 49% |
| Illinois | Pets Best | $34 | 47% |
| Indiana | Pets Best | $25 | 48% |
| Iowa | Pets Best | $23 | 50% |
| Kansas | Pets Best | $25 | 49% |
| Kentucky | Pets Best | $22 | 52% |
| Louisiana | Pets Best | $22 | 50% |
| Maine | Pets Best | $34 | 49% |
| Maryland | Pets Best | $27 | 53% |
| Massachusetts | Pets Best | $36 | 48% |
| Michigan | Pets Best | $28 | 49% |
| Minnesota | Pets Best | $29 | 48% |
| Mississippi | Pets Best | $24 | 50% |
| Missouri | Pets Best | $22 | 50% |
| Montana | Pets Best | $23 | 50% |
| Nebraska | Pets Best | $25 | 49% |
| Nevada | Pets Best | $29 | 48% |
| New Hampshire | Pets Best | $32 | 48% |
| New Jersey | Pets Best | $31 | 48% |
| New Mexico | Pets Best | $24 | 50% |
| New York | Pets Best | $30 | 48% |
| North Carolina | Pets Best | $25 | 51% |
| North Dakota | Pets Best | $21 | 50% |
| Ohio | Pets Best | $25 | 50% |
| Oklahoma | Pets Best | $23 | 50% |
| Oregon | Pets Best | $35 | 48% |
| Pennsylvania | Pets Best | $29 | 49% |
| Rhode Island | Pets Best | $24 | 50% |
| South Carolina | Pets Best | $26 | 48% |
| South Dakota | Pets Best | $25 | 51% |
| Tennessee | Pets Best | $26 | 49% |
| Texas | Pets Best | $29 | 48% |
| Utah | Pets Best | $27 | 50% |
| Vermont | Pets Best | $26 | 50% |
| Virginia | Pets Best | $30 | 50% |
| Washington | Pets Best | $32 | 51% |
| West Virginia | Pets Best | $24 | 49% |
| Wisconsin | Pets Best | $30 | 50% |
| Wyoming | Pets Best | $26 | 49% |
*Rates are based on a 6-year-old Bichon Frise 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 Bichon Frise Insurance Cost?
Monthly pet insurance for a Bichon Frise ranges from $63 to $120 across the U.S., ranking as the 140th most expensive breed to insure. Your actual premium will vary based on coverage options and your pet's specific needs.
| Alabama | $70 | $834 | -24% |
| Alaska | $91 | $1,092 | -1% |
| Arizona | $110 | $1,318 | 19% |
| Arkansas | $63 | $749 | -32% |
| California | $114 | $1,369 | 24% |
| Colorado | $115 | $1,384 | 25% |
| Connecticut | $105 | $1,263 | 14% |
| Delaware | $93 | $1,120 | 1% |
| Florida | $105 | $1,259 | 14% |
| Georgia | $82 | $983 | -11% |
| Hawaii | $94 | $1,130 | 2% |
| Idaho | $92 | $1,103 | -0% |
| Illinois | $113 | $1,354 | 23% |
| Indiana | $83 | $998 | -10% |
| Iowa | $76 | $916 | -17% |
| Kansas | $84 | $1,005 | -9% |
| Kentucky | $74 | $885 | -20% |
| Louisiana | $75 | $894 | -19% |
| Maine | $111 | $1,334 | 21% |
| Maryland | $96 | $1,155 | 5% |
| Massachusetts | $120 | $1,433 | 30% |
| Michigan | $93 | $1,112 | 1% |
| Minnesota | $94 | $1,133 | 3% |
| Mississippi | $79 | $952 | -14% |
| Missouri | $73 | $876 | -21% |
| Montana | $78 | $938 | -15% |
| Nebraska | $83 | $992 | -10% |
| Nevada | $94 | $1,127 | 2% |
| New Hampshire | $106 | $1,269 | 15% |
| New Jersey | $103 | $1,236 | 12% |
| New Mexico | $81 | $974 | -12% |
| New York | $101 | $1,209 | 9% |
| North Carolina | $84 | $1,002 | -9% |
| North Dakota | $71 | $854 | -23% |
| Ohio | $86 | $1,030 | -7% |
| Oklahoma | $77 | $926 | -16% |
| Oregon | $114 | $1,373 | 24% |
| Pennsylvania | $97 | $1,162 | 5% |
| Rhode Island | $82 | $977 | -12% |
| South Carolina | $88 | $1,059 | -4% |
| South Dakota | $83 | $992 | -10% |
| Tennessee | $85 | $1,019 | -8% |
| Texas | $95 | $1,140 | 3% |
| Utah | $89 | $1,072 | -3% |
| Vermont | $86 | $1,029 | -7% |
| Virginia | $101 | $1,208 | 9% |
| Washington | $107 | $1,279 | 16% |
| West Virginia | $79 | $949 | -14% |
| Wisconsin | $99 | $1,193 | 8% |
| Wyoming | $85 | $1,016 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Bichon Frise. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Bichon Frise Insurance Costs?
Bichon Frises rank 140th among dog breeds for insurance costs due to breed-specific health concerns and specialized care requirements. These factors drive higher premiums and influence coverage decisions.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Bichon Frises face several breed-specific health challenges that increase insurance premiums. Patellar luxation commonly requires surgical correction in this breed. Bichon Frises also develop allergies, bladder stones and eye conditions like cataracts. These genetic predispositions make comprehensive coverage essential and result in higher premium costs.
Size-Related Factors
Potential Vet Cost Increase: 10% to 20% higher vet costs
As small dogs weighing between 12 to 18 pounds, Bichon Frises require specialized care that affects treatment costs. Their size influences medication dosing and surgical approaches, though they typically need smaller amounts of anesthesia and medications compared to larger breeds. However, their thick coat and delicate structure can complicate procedures and recovery, often requiring specialized equipment and more frequent monitoring.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $800 (Young) to $1,000 to $3,500 (Senior)
Bichon Frises live 12 to 15 years, longer than many dog breeds. Extended lifespans mean more potential health issues, particularly during senior years. Aging Bichon Frises require frequent veterinary care, specialized medications and management of age-related conditions, leading to substantially higher medical costs.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $4,500
Bichon Frises are energetic dogs with spirited personalities that can lead to accidents during play or exercise. Their agility and jumping habits can result in sprains, dental injuries or minor fractures. Their small size reduces major injury risks, and their friendly temperament creates lower liability risks than larger breeds.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $8,000
Poor breeding practices have increased genetic issues like hip problems and eye disorders in Bichon Frises. Insurance providers consider breeding history when evaluating coverage options. Puppies from health-tested parents with proper documentation reduce future medical expenses and insurance complications.
Bichon Frise insurance costs depend on your dog's unique medical history and risk factors. Consider your budget and care preferences, and consult your veterinarian about specific health risks affecting your pet.
INSURANCE RISK PREVENTION
Protect your Bichon Frise's health and your wallet by maintaining a healthy weight through proper diet and daily exercise. Schedule regular dental cleanings and eye exams to catch issues early. When choosing a puppy, work with breeders who perform genetic health testing for hip dysplasia and eye conditions. Keep skin problems in check with regular grooming and prompt vet visits for any signs of allergies.
How to Get the Best Cheap Bichon Frise Pet Insurance
Smart shopping strategies can reduce your Bichon Frise insurance costs. Here's how to find the best rates:
- 1
Evaluate Your Coverage Needs
Start by considering your Bichon Frise's age and potential health issues like allergies or knee problems. Review different types of pet insurance coverage to match your budget and risk comfort level.
- 2
Compare Insurance Companies
Get familiar with top pet insurance providers and their basic rates. Look at customer reviews and check how quickly they process claims.
- 3
Review Policy Details
Pay attention to waiting periods and what conditions aren't covered. Ask for a sample policy specific to your state to avoid surprises later.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance companies. Prices can vary by hundreds of dollars for the same coverage, so comparing options is worth your time.
- 5
Check Rates Yearly
Mark your calendar to review your policy each year before renewal. Your pet's needs change with age, and new insurance options may offer better value.
Bichon Frise Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Bichon Frises, while Pets Best offers the lowest monthly premiums. Compare both, along with other trusted options, to find coverage that matches your pet's health needs and your budget. The right policy brings peace of mind and reliable coverage when health issues arise.
Pet Insurance for Bichon Frise: FAQ
Below are our expert answers to frequently asked questions about Bichon Frise insurance:
What is the best pet insurance provider for Bichon Frises overall?
AKC is the top choice for Bichon Frise insurance, offering comprehensive coverage and excellent customer experience. While premiums may be higher than some alternatives, their extensive protection and strong service record justify the investment.
Who offers the cheapest pet insurance for Bichon Frises?
Pets Best provides the most affordable pet insurance for Bichon Frises, with standard coverage starting at $28 per month. Actual premiums will vary depending on your location, pet's age, and other individual factors.
How much does Bichon Frise insurance cost?
Bichon Frises cost an average of $92 per month to insure and rank 140th in insurance costs among dog breeds. Monthly premiums vary significantly by location, ranging from $63 to $120.
What are the most common accident and illness risks for Bichon Frises?
Bichon Frises commonly face allergies and skin problems that cause itching and infections, patellar luxation where the kneecap dislocates causing lameness, and bladder stones that can block urination and require surgery. These health risks are largely connected to the breed's genetic predisposition and small stature.
How We Found the Best and Cheapest Bichon Frise Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Bichon Frises. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Bichon Frises.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Bichon Frise
- $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.