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: September 2, 2025
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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 premium for British Bulldogs is $196, making them the 13th most expensive dog breed to insure.
Best British Bulldog Pet Insurance Companies
| Lemonade | 3.80 | $68 | 3 | 6 |
| AKC | 3.75 | $101 | 3 | 1 |
| Pets Best | 3.70 | $78 | 5 | 2 |
| Rainwalk | 3.70 | $97 | 1 | 4 |
| Pumpkin | 3.60 | $60 | 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 British Bulldogs
MoneyGeek Rating
3.8/ of 5
3.7/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
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 | 3.80 |
| Arizona | Lemonade | 3.80 |
| Arkansas | AKC | 3.90 |
| California | Lemonade | 3.80 |
| Colorado | Lemonade | 3.80 |
| Connecticut | Lemonade | 3.80 |
| Delaware | Lemonade | 3.80 |
| Florida | Lemonade | 3.80 |
| Florida | AKC | 3.80 |
| Georgia | Lemonade | 3.80 |
| Hawaii | Lemonade | 3.80 |
| Idaho | Lemonade | 3.80 |
| Illinois | Rainwalk | 3.90 |
| Indiana | AKC | 3.85 |
| Iowa | Lemonade | 3.80 |
| Kansas | Rainwalk | 3.80 |
| Kansas | Lemonade | 3.80 |
| Kentucky | Lemonade | 3.90 |
| Louisiana | Lemonade | 3.80 |
| Maine | Lemonade | 3.80 |
| Maryland | Lemonade | 3.85 |
| Massachusetts | Lemonade | 3.80 |
| Michigan | Lemonade | 3.80 |
| Minnesota | Lemonade | 3.80 |
| Mississippi | Lemonade | 3.80 |
| Missouri | Lemonade | 3.85 |
| Montana | Lemonade | 3.80 |
| Nebraska | Lemonade | 3.80 |
| Nevada | Lemonade | 3.80 |
| New Hampshire | Lemonade | 3.80 |
| New Jersey | Lemonade | 3.80 |
| New Mexico | AKC | 3.90 |
| New York | Lemonade | 3.80 |
| North Carolina | Lemonade | 3.80 |
| North Dakota | AKC | 3.85 |
| Ohio | Lemonade | 3.80 |
| Oklahoma | AKC | 3.90 |
| Oregon | Lemonade | 3.80 |
| Pennsylvania | Lemonade | 3.80 |
| Rhode Island | Lemonade | 3.80 |
| Rhode Island | AKC | 3.80 |
| Rhode Island | Rainwalk | 3.80 |
| South Carolina | Rainwalk | 3.80 |
| South Carolina | Lemonade | 3.80 |
| South Dakota | AKC | 3.85 |
| Tennessee | Lemonade | 3.80 |
| Tennessee | Rainwalk | 3.80 |
| Texas | Lemonade | 3.80 |
| Utah | Lemonade | 3.80 |
| Vermont | Lemonade | 3.80 |
| Virginia | Lemonade | 3.80 |
| Virginia | Rainwalk | 3.80 |
| Washington | AKC | 3.95 |
| West Virginia | Lemonade | 3.80 |
| Wisconsin | Lemonade | 3.80 |
| 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/ of 5
3.9/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
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 offers the lowest-cost pet insurance for British Bulldogs in 50 states across the U.S. Monthly premiums range from $40 to $78, depending on your location.
| 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 may differ from breed averages, so base your insurance choice on your pet's specific situation. Consider your budget and your dog's medical history when selecting coverage. Your veterinarian can help identify potential health risks unique to your British Bulldog.
INSURANCE RISK PREVENTION
Protect your British Bulldog's health by maintaining a healthy weight through portion control and daily walks. Choose breeders who test for genetic conditions and provide health certifications for both parents. Regular vet checkups help catch issues early, while proper dental care and skin fold cleaning prevent infections. Let your dog rest after meals to reduce breathing difficulties.
How to Get the Best Cheap British Bulldog Pet Insurance
Getting affordable British Bulldog insurance requires some homework. Follow these steps:
- 1
Understand Your Coverage Needs
British Bulldogs often face breed-specific health issues like respiratory problems and hip dysplasia. Review pet insurance coverage options to ensure you get protection that matches your dog's needs and your budget.
- 2
Compare Insurance Providers
Research multiple pet insurance companies that cover British Bulldogs. Look at customer reviews, claim payment speed, and coverage limits to find reliable providers with competitive rates.
- 3
Review Policy Details
Check waiting periods and pre-existing condition rules before signing up. Many providers have specific terms for breed-related conditions, so read the policy details carefully.
- 4
Get Multiple Online Quotes
Request quotes from at least three different insurance providers. Prices can vary by hundreds of dollars for the same coverage, so comparing multiple options helps find the best deal.
- 5
Review Coverage Annually
Pet insurance rates often change at renewal time. Compare new quotes each year and adjust your coverage based on your dog's current health needs and age.
British Bulldog Dog Insurance: Bottom Line
Lemonade is the best pet insurance provider for British Bulldogs, while Pumpkin offers the most affordable monthly premiums. Compare these providers, along with other trusted insurers, to find the right match for your dog's health needs and your budget. The right policy brings peace of mind and reliable coverage when your pet needs care.
Pet Insurance for British Bulldog: FAQ
Below are our expert answers to frequently asked questions about British Bulldog insurance:
What is the best pet insurance provider for British Bulldogs overall?
Lemonade stands out as the leading pet insurance provider for British Bulldogs, offering comprehensive coverage and exceptional customer experience. Though premiums run higher than average, their extensive protection benefits make it a valuable investment.
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 commonly suffer from brachycephalic airway syndrome (which causes breathing difficulties due to their flat faces), hip dysplasia (a joint malformation leading to mobility issues) and skin fold dermatitis (infections in wrinkled skin areas). These health challenges largely stem from the breed's distinctive physical characteristics and genetic predisposition.
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. 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.