The best pet insurance company for British Bulldogs is Lemonade due to its competitive rates and strong customer satisfaction ratings. Other top options are AKC, Pets Best and Rainwalk.
British Bulldog Insurance
Updated: January 28, 2026
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Key Takeaways
Lemonade is the best pet insurance company for British Bulldogs, offering strong coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for British Bulldogs, with average rates of around $60 monthly for standard protection.
The average monthly cost of pet insurance for British Bulldogs is $196, making them the 13th most expensive dog breed to insure.
Best British Bulldog Pet Insurance Companies
*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.
Discover the best pet insurance options for your British Bulldog across different situations:
Lemonade
Best for British Bulldogs
MoneyGeek Rating
3.8/ 5
3.7/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate
$68Overall Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Behavioral therapy coverage
Best British Bulldog Pet Insurance by State
Lemonade ranks as the best British Bulldog insurance provider in 42 states nationwide. AKC follows as runner-up, leading in nine states including Arkansas, Washington and North Dakota.
| Alabama | Lemonade | 3.85 |
| Alaska | Lemonade | 3.8 |
| Arizona | Lemonade | 3.8 |
| Arkansas | AKC | 3.9 |
| California | Lemonade | 3.8 |
| Colorado | Lemonade | 3.8 |
| Connecticut | Lemonade | 3.8 |
| Delaware | Lemonade | 3.8 |
| Florida | Lemonade | 3.8 |
| Florida | AKC | 3.8 |
| Georgia | Lemonade | 3.8 |
| Hawaii | Lemonade | 3.8 |
| Idaho | Lemonade | 3.8 |
| Illinois | Rainwalk | 3.9 |
| Indiana | AKC | 3.85 |
| Iowa | Lemonade | 3.8 |
| Kansas | Rainwalk | 3.8 |
| Kansas | Lemonade | 3.8 |
| Kentucky | Lemonade | 3.9 |
| Louisiana | Lemonade | 3.8 |
| Maine | Lemonade | 3.8 |
| Maryland | Lemonade | 3.85 |
| Massachusetts | Lemonade | 3.8 |
| Michigan | Lemonade | 3.8 |
| Minnesota | Lemonade | 3.8 |
| Mississippi | Lemonade | 3.8 |
| Missouri | Lemonade | 3.85 |
| Montana | Lemonade | 3.8 |
| Nebraska | Lemonade | 3.8 |
| Nevada | Lemonade | 3.8 |
| New Hampshire | Lemonade | 3.8 |
| New Jersey | Lemonade | 3.8 |
| New Mexico | AKC | 3.9 |
| New York | Lemonade | 3.8 |
| North Carolina | Lemonade | 3.8 |
| North Dakota | AKC | 3.85 |
| Ohio | Lemonade | 3.8 |
| Oklahoma | AKC | 3.9 |
| Oregon | Lemonade | 3.8 |
| Pennsylvania | Lemonade | 3.8 |
| Rhode Island | Lemonade | 3.8 |
| Rhode Island | AKC | 3.8 |
| Rhode Island | Rainwalk | 3.8 |
| South Carolina | Rainwalk | 3.8 |
| South Carolina | Lemonade | 3.8 |
| South Dakota | AKC | 3.85 |
| Tennessee | Lemonade | 3.8 |
| Tennessee | Rainwalk | 3.8 |
| Texas | Lemonade | 3.8 |
| Utah | Lemonade | 3.8 |
| Vermont | Lemonade | 3.8 |
| Virginia | Lemonade | 3.8 |
| Virginia | Rainwalk | 3.8 |
| Washington | AKC | 3.95 |
| West Virginia | Lemonade | 3.8 |
| Wisconsin | Lemonade | 3.8 |
| Wyoming | Lemonade | 3.85 |
*Rates are based on a 6-year-old British 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 British Bulldog Pet Insurance Companies
Pumpkin offers the lowest rates for British Bulldog insurance at $60 monthly or $722 annually. Other budget-friendly providers include Lemonade, Pets Best, ASPCA and Figo.
| Pumpkin | $60 | $722 | 10% |
| Lemonade | $68 | $821 | 25% |
| Pets Best | $78 | $937 | 43% |
| ASPCA | $82 | $987 | 50% |
| Figo | $86 | $1,040 | 59% |
*Rates are based on a 6-year-old British 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 British Bulldogs
MoneyGeek Rating
3.6/ 5
3.9/5Affordability
4.4/5Customer Experience
1.7/5Coverage Points
Average Monthly Rate
$60Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Dental illness included in standard plan
Cheapest British Bulldog Pet Insurance by State
Pumpkin has the cheapest pet insurance for British Bulldogs nationwide. Monthly costs run from $40 to $78 based on where you live.
| Alabama | Pumpkin | $44 | 4% |
| Alaska | Pumpkin | $59 | 8% |
| Arizona | Pumpkin | $73 | 13% |
| Arkansas | Pumpkin | $40 | 5% |
| California | Pumpkin | $76 | 17% |
| Colorado | Pumpkin | $76 | 12% |
| Connecticut | Pumpkin | $69 | 11% |
| Delaware | Pumpkin | $61 | 9% |
| Florida | Pumpkin | $68 | 11% |
| Georgia | Pumpkin | $54 | 12% |
| Hawaii | Pumpkin | $61 | 8% |
| Idaho | Pumpkin | $60 | 11% |
| Illinois | Pumpkin | $75 | 14% |
| Indiana | Pumpkin | $55 | 12% |
| Iowa | Pumpkin | $51 | 8% |
| Kansas | Pumpkin | $55 | 9% |
| Kentucky | Pumpkin | $48 | 4% |
| Louisiana | Pumpkin | $49 | 7% |
| Maine | Pumpkin | $73 | 10% |
| Maryland | Pumpkin | $59 | 1% |
| Massachusetts | Pumpkin | $78 | 13% |
| Michigan | Pumpkin | $60 | 10% |
| Minnesota | Pumpkin | $63 | 12% |
| Mississippi | Pumpkin | $51 | 8% |
| Missouri | Pumpkin | $48 | 8% |
| Montana | Pumpkin | $50 | 8% |
| Nebraska | Pumpkin | $55 | 9% |
| Nevada | Pumpkin | $63 | 11% |
| New Hampshire | Pumpkin | $70 | 12% |
| New Jersey | Pumpkin | $68 | 12% |
| New Mexico | Pumpkin | $53 | 8% |
| New York | Pumpkin | $66 | 11% |
| North Carolina | Pumpkin | $54 | 6% |
| North Dakota | Pumpkin | $46 | 8% |
| Ohio | Pumpkin | $55 | 7% |
| Oklahoma | Pumpkin | $50 | 8% |
| Oregon | Pumpkin | $75 | 13% |
| Pennsylvania | Pumpkin | $63 | 9% |
| Rhode Island | Pumpkin | $52 | 9% |
| South Carolina | Pumpkin | $57 | 12% |
| South Dakota | Pumpkin | $53 | 6% |
| Tennessee | Pumpkin | $56 | 11% |
| Texas | Pumpkin | $64 | 13% |
| Utah | Pumpkin | $58 | 8% |
| Vermont | Pumpkin | $56 | 8% |
| Virginia | Pumpkin | $64 | 8% |
| Washington | Pumpkin | $69 | 7% |
| West Virginia | Pumpkin | $52 | 10% |
| Wisconsin | Pumpkin | $65 | 8% |
| Wyoming | Pumpkin | $56 | 11% |
*Rates are based on a 6-year-old British 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 British Bulldog Insurance Cost?
Monthly insurance for British Bulldogs ranges from $133 to $254 depending on your state, ranking as the 13th most expensive breed to insure nationwide. Your actual premium will vary based on coverage options and your pet's specific needs.
| Alabama | $148 | $1,776 | -24% |
| Alaska | $194 | $2,325 | -1% |
| Arizona | $234 | $2,806 | 19% |
| Arkansas | $133 | $1,595 | -32% |
| California | $243 | $2,916 | 24% |
| Colorado | $246 | $2,947 | 25% |
| Connecticut | $224 | $2,691 | 14% |
| Delaware | $199 | $2,385 | 1% |
| Florida | $223 | $2,679 | 14% |
| Georgia | $174 | $2,093 | -11% |
| Hawaii | $200 | $2,405 | 2% |
| Idaho | $196 | $2,348 | -0% |
| Illinois | $240 | $2,882 | 23% |
| Indiana | $177 | $2,125 | -10% |
| Iowa | $162 | $1,950 | -17% |
| Kansas | $179 | $2,140 | -9% |
| Kentucky | $157 | $1,884 | -20% |
| Louisiana | $159 | $1,902 | -19% |
| Maine | $237 | $2,841 | 21% |
| Maryland | $205 | $2,458 | 5% |
| Massachusetts | $254 | $3,051 | 30% |
| Michigan | $197 | $2,368 | 1% |
| Minnesota | $201 | $2,412 | 3% |
| Mississippi | $169 | $2,028 | -14% |
| Missouri | $155 | $1,865 | -21% |
| Montana | $166 | $1,998 | -15% |
| Nebraska | $176 | $2,111 | -10% |
| Nevada | $200 | $2,399 | 2% |
| New Hampshire | $225 | $2,704 | 15% |
| New Jersey | $219 | $2,633 | 12% |
| New Mexico | $173 | $2,073 | -12% |
| New York | $214 | $2,574 | 9% |
| North Carolina | $178 | $2,132 | -9% |
| North Dakota | $151 | $1,818 | -23% |
| Ohio | $183 | $2,192 | -7% |
| Oklahoma | $165 | $1,971 | -16% |
| Oregon | $244 | $2,923 | 24% |
| Pennsylvania | $206 | $2,473 | 5% |
| Rhode Island | $173 | $2,081 | -12% |
| South Carolina | $189 | $2,264 | -4% |
| South Dakota | $176 | $2,111 | -10% |
| Tennessee | $181 | $2,169 | -8% |
| Texas | $202 | $2,427 | 3% |
| Utah | $190 | $2,283 | -3% |
| Vermont | $183 | $2,192 | -7% |
| Virginia | $214 | $2,570 | 9% |
| Washington | $227 | $2,723 | 16% |
| West Virginia | $168 | $2,021 | -14% |
| Wisconsin | $212 | $2,539 | 8% |
| Wyoming | $180 | $2,165 | -8% |
*The rates include all coverage selections on the market for a 6-year-old British Bulldog. Your rates will differ based on your pet's specific profile and location.
What Factors Affect British Bulldog Insurance Costs?
British Bulldogs rank as the 13th most expensive breed to insure, and several breed-specific factors drive these higher rates. Here's why British Bulldogs cost more to insure (and what you can do about it):
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
British Bulldogs face several breed-specific health challenges that insurers classify as high-risk conditions. Their distinctive flat faces make them prone to Brachycephalic Airway Syndrome, which often requires corrective surgery. They also commonly experience hip dysplasia, heart problems, and skin infections. These inherited conditions, combined with their susceptibility to respiratory issues and joint problems, can lead to significant veterinary expenses throughout their lives.
Size-Related Factors
Potential Vet Cost Increase: 30% to 45% higher vet costs
British Bulldogs are medium-sized but heavily built dogs, which impacts their medical care costs. Their muscular frame and compact build require specific dosing calculations for medications and anesthesia. Their unique body structure means they often need specialized equipment during procedures and recovery. Physical therapy and rehabilitation often cost more due to their weight distribution and mobility challenges.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $4,500 (Senior)
British Bulldogs typically live 8 to 10 years, which is shorter than average for medium-sized breeds. This compressed lifespan often means age-related health issues develop earlier. Senior Bulldogs frequently require more intensive medical management for arthritis, respiratory problems, and other chronic conditions, leading to substantially higher veterinary costs in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
While British Bulldogs are not typically high-energy dogs, their sturdy build and determination can lead to injuries during play or exercise. Their short muzzle limits their ability to regulate temperature, increasing the risk of heat-related emergencies. Their strong-willed nature can sometimes result in accidents or injuries, particularly when overexerting themselves despite physical limitations.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Decades of selective breeding for specific physical traits have increased health risks in British Bulldogs. Many experience breathing difficulties, skeletal problems, and reproductive complications due to their breed standard. Insurance providers often consider these inherited traits when determining coverage terms. Selecting a puppy from health-tested parents with responsible breeding practices can significantly reduce future medical expenses.
Your British Bulldog's health needs might not match breed averages, so choose insurance based on your dog's actual condition. Pick deductibles, annual limits and reimbursement rates that fit what you can afford and your dog's medical history. Ask your vet about health risks common to your British Bulldog.
INSURANCE RISK PREVENTION
Keep your British Bulldog at a healthy weight with controlled portions and daily walks. Buy from breeders who test for genetic conditions and show health certifications for both parents. Schedule regular vet visits to catch problems early. Clean skin folds and brush teeth often to prevent infections. Give your dog time to rest after eating to avoid breathing problems.
How to Get the Best Cheap British Bulldog Pet Insurance
Find pet insurance for your British Bulldog by focusing on coverage needs, pricing and policy details.
- 1Understand Your Coverage Needs
British Bulldogs are prone to breed-related conditions such as breathing issues and hip dysplasia, which can affect how much pet insurance you need. Review coverage options with those risks in mind and balance protection with what fits your budget.
- 2Compare Insurance Providers
Look into several pet insurance companies that insure British Bulldogs. Pay attention to customer reviews, claims turnaround times and coverage limits to identify providers that deliver fair pricing and consistent service.
- 3Review Policy Details
Check waiting periods and rules around pre-existing conditions before enrolling. Some insurers apply different reimbursement rules to breed-related conditions, so reading the fine print helps avoid surprises later.
- 4Get Multiple Online Quotes
Request quotes from at least three insurers using the same deductible, annual limit and reimbursement rate. Prices can differ widely for identical coverage and comparing options makes it easier to spot better value. Look for available pet insurance discounts that reduce monthly costs.
- 5Review Coverage Annually
Rates often change at renewal. Compare new quotes each year and adjust coverage based on your dog’s age and current health needs.
British Bulldog Dog Insurance: Bottom Line
Lemonade ranks as the best pet insurance for British Bulldogs, while Pumpkin has the lowest monthly rates. Compare both companies plus other top-rated insurers to find coverage that matches your dog's health needs and what you can spend. The right policy protects your wallet when your pet needs veterinary care.
Check out the top pet insurance companies for your British Bulldog:
Pet Insurance for British Bulldog: FAQ
Here are answers to common questions about insuring British Bulldogs:
What is the best pet insurance provider for British Bulldogs overall?
Lemonade ranks as the best pet insurance for British Bulldogs with broad coverage and strong customer service. Premiums cost more than the state average, but the extensive protection justifies the higher price.
Who offers the cheapest pet insurance for British Bulldogs?
Pumpkin offers the lowest-cost pet insurance for British Bulldogs at $60 per month for standard coverage. Keep in mind that actual premiums will vary based on your location, pet's age, and other individual factors.
How much does British Bulldog insurance cost?
British Bulldogs rank as the 13th most expensive breed to insure, with average premiums of $196 per month. Monthly insurance costs vary significantly by location, ranging from $133 to $254.
What are the most common accident and illness risks for British Bulldogs?
British Bulldogs often develop brachycephalic airway syndrome (breathing problems from their flat faces), hip dysplasia (joint malformation that limits mobility) and skin fold dermatitis (infections in their wrinkled skin). These health problems come from the breed's physical build and genetics.
How We Found the Best and Cheapest British 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 British 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 British Bulldogs.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old British 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.