The best pet insurance company for Bull Terriers is AKC due to its excellent coverage options and strong customer satisfaction scores. Other quality providers include Lemonade, Pets Best and Rainwalk.
Bull Terrier Insurance
Updated: September 3, 2025
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Key Takeaways
AKC is the best pet insurance company for Bull Terriers, delivering superior coverage and service quality.
Lemonade provides the cheapest pet insurance rates for Bull Terriers, with average rates of around $46 monthly for standard protection.
Bull Terrier insurance costs an average of $137 per month, making them the 42nd most expensive dog breed to insure.
Best Bull Terrier Pet Insurance Companies
| AKC | 4.15 | $69 | 3 | 1 |
| Lemonade | 4.10 | $46 | 3 | 6 |
| Pets Best | 4.10 | $46 | 5 | 2 |
| Rainwalk | 4.05 | $69 | 1 | 4 |
| Spot | 3.75 | $67 | 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 Pet Insurance for Bull Terriers
MoneyGeek Rating
4.2/ 5
3.7/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$69Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Bull Terrier Pet Insurance by State
AKC ranks as the top Bull Terrier insurance provider in 46 states nationwide. Runner-up Pets Best leads in 16 states, including Alabama and Wisconsin, offering strong regional coverage alternatives.
| Alabama | Pets Best | 4.15 |
| Alabama | AKC | 4.15 |
| Alabama | Rainwalk | 4.15 |
| Alaska | AKC | 4.15 |
| Arizona | AKC | 4.15 |
| Arkansas | AKC | 4.25 |
| California | AKC | 4.15 |
| Colorado | AKC | 4.15 |
| Connecticut | AKC | 4.15 |
| Delaware | AKC | 4.10 |
| Delaware | Pets Best | 4.10 |
| Delaware | Lemonade | 4.10 |
| Florida | AKC | 4.20 |
| Georgia | Pets Best | 4.10 |
| Georgia | AKC | 4.10 |
| Georgia | Lemonade | 4.10 |
| Hawaii | AKC | 4.15 |
| Idaho | AKC | 4.10 |
| Idaho | Pets Best | 4.10 |
| Idaho | Lemonade | 4.10 |
| Idaho | Rainwalk | 4.10 |
| Illinois | Rainwalk | 4.15 |
| Illinois | AKC | 4.15 |
| Indiana | AKC | 4.20 |
| Iowa | AKC | 4.10 |
| Iowa | Pets Best | 4.10 |
| Iowa | Lemonade | 4.10 |
| Kansas | AKC | 4.15 |
| Kentucky | AKC | 4.20 |
| Louisiana | AKC | 4.10 |
| Louisiana | Pets Best | 4.10 |
| Louisiana | Lemonade | 4.10 |
| Maine | AKC | 4.15 |
| Maryland | Pets Best | 4.10 |
| Maryland | Lemonade | 4.10 |
| Maryland | AKC | 4.10 |
| Massachusetts | Pets Best | 4.10 |
| Massachusetts | AKC | 4.10 |
| Massachusetts | Lemonade | 4.10 |
| Massachusetts | Rainwalk | 4.10 |
| Michigan | Pets Best | 4.10 |
| Michigan | Lemonade | 4.10 |
| Michigan | Rainwalk | 4.10 |
| Minnesota | AKC | 4.10 |
| Minnesota | Pets Best | 4.10 |
| Minnesota | Lemonade | 4.10 |
| Minnesota | Rainwalk | 4.10 |
| Mississippi | AKC | 4.15 |
| Missouri | AKC | 4.15 |
| Missouri | Pets Best | 4.15 |
| Montana | AKC | 4.15 |
| Nebraska | AKC | 4.15 |
| Nevada | AKC | 4.15 |
| New Hampshire | AKC | 4.15 |
| New Jersey | Pets Best | 4.10 |
| New Jersey | AKC | 4.10 |
| New Jersey | Lemonade | 4.10 |
| New Mexico | AKC | 4.25 |
| New York | AKC | 4.15 |
| North Carolina | AKC | 4.15 |
| North Dakota | AKC | 4.25 |
| Ohio | AKC | 4.10 |
| Ohio | Pets Best | 4.10 |
| Ohio | Lemonade | 4.10 |
| Oklahoma | AKC | 4.25 |
| Oregon | AKC | 4.15 |
| Pennsylvania | AKC | 4.15 |
| Rhode Island | AKC | 4.20 |
| South Carolina | AKC | 4.20 |
| South Dakota | AKC | 4.25 |
| Tennessee | AKC | 4.15 |
| Texas | AKC | 4.15 |
| Utah | Pets Best | 4.10 |
| Utah | Lemonade | 4.10 |
| Utah | Rainwalk | 4.10 |
| Vermont | AKC | 4.15 |
| Virginia | Pets Best | 4.10 |
| Virginia | Rainwalk | 4.10 |
| Virginia | Lemonade | 4.10 |
| Washington | AKC | 4.30 |
| West Virginia | AKC | 4.15 |
| Wisconsin | Pets Best | 4.10 |
| Wisconsin | Lemonade | 4.10 |
| Wyoming | AKC | 4.20 |
*Rates are based on a 6-year-old Bull Terrier 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 Bull Terrier Pet Insurance Companies
Lemonade provides the lowest-cost pet insurance for Bull Terriers at $46 per month or $548 per year. Other budget-friendly options include Pets Best, Pumpkin, ASPCA and Figo.
| Pets Best | $46 | $548 | 17% |
| Lemonade | $46 | $548 | 17% |
| Pumpkin | $53 | $635 | 3% |
| ASPCA | $57 | $680 | 4% |
| Figo | $58 | $693 | 6% |
*Rates are based on a 6-year-old Bull Terrier 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 Bull Terriers
MoneyGeek Rating
4.1/ 5
4.2/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$46Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Bull Terrier Pet Insurance by State
Lemonade offers the most affordable Bull Terrier insurance nationwide, ranking cheapest in all 50 states. Monthly premiums range from $31 to $59, depending on your location.
| Alabama | Lemonade | $34 | 21% |
| Alaska | Lemonade | $45 | 18% |
| Arizona | Lemonade | $56 | 14% |
| Arkansas | Lemonade | $31 | 21% |
| California | Lemonade | $58 | 11% |
| Colorado | Lemonade | $58 | 15% |
| Connecticut | Lemonade | $52 | 16% |
| Delaware | Lemonade | $46 | 17% |
| Florida | Lemonade | $52 | 16% |
| Georgia | Lemonade | $41 | 15% |
| Hawaii | Lemonade | $46 | 18% |
| Idaho | Lemonade | $46 | 16% |
| Illinois | Lemonade | $57 | 14% |
| Indiana | Lemonade | $41 | 15% |
| Iowa | Lemonade | $38 | 18% |
| Kansas | Lemonade | $41 | 17% |
| Kentucky | Lemonade | $36 | 21% |
| Louisiana | Lemonade | $37 | 19% |
| Maine | Lemonade | $55 | 16% |
| Maryland | Lemonade | $45 | 23% |
| Massachusetts | Lemonade | $59 | 15% |
| Michigan | Lemonade | $46 | 17% |
| Minnesota | Lemonade | $47 | 15% |
| Mississippi | Lemonade | $39 | 18% |
| Missouri | Lemonade | $36 | 18% |
| Montana | Lemonade | $38 | 18% |
| Nebraska | Lemonade | $41 | 17% |
| Nevada | Lemonade | $47 | 15% |
| New Hampshire | Lemonade | $53 | 15% |
| New Jersey | Lemonade | $52 | 15% |
| New Mexico | Lemonade | $40 | 18% |
| New York | Lemonade | $50 | 15% |
| North Carolina | Lemonade | $41 | 19% |
| North Dakota | Lemonade | $35 | 18% |
| Ohio | Lemonade | $42 | 18% |
| Oklahoma | Lemonade | $38 | 18% |
| Oregon | Lemonade | $57 | 14% |
| Pennsylvania | Lemonade | $48 | 17% |
| Rhode Island | Lemonade | $40 | 18% |
| South Carolina | Lemonade | $43 | 15% |
| South Dakota | Lemonade | $40 | 19% |
| Tennessee | Lemonade | $42 | 16% |
| Texas | Lemonade | $48 | 14% |
| Utah | Lemonade | $44 | 18% |
| Vermont | Lemonade | $43 | 18% |
| Virginia | Lemonade | $49 | 18% |
| Washington | Lemonade | $53 | 19% |
| West Virginia | Lemonade | $39 | 16% |
| Wisconsin | Lemonade | $49 | 18% |
| Wyoming | Lemonade | $42 | 16% |
*Rates are based on a 6-year-old Bull Terrier 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 Bull Terrier Insurance Cost?
Monthly pet insurance for Bull Terriers ranges from $93 to $177 across the U.S., ranking as the 42nd most expensive breed to insure. Your actual premium depends on your location and chosen coverage options.
| Alabama | $103 | $1,241 | -24% |
| Alaska | $135 | $1,625 | -1% |
| Arizona | $163 | $1,961 | 19% |
| Arkansas | $93 | $1,115 | -32% |
| California | $170 | $2,037 | 24% |
| Colorado | $172 | $2,059 | 25% |
| Connecticut | $157 | $1,880 | 14% |
| Delaware | $139 | $1,666 | 1% |
| Florida | $156 | $1,872 | 14% |
| Georgia | $122 | $1,462 | -11% |
| Hawaii | $140 | $1,681 | 2% |
| Idaho | $137 | $1,641 | -0% |
| Illinois | $168 | $2,014 | 23% |
| Indiana | $123 | $1,485 | -10% |
| Iowa | $113 | $1,363 | -17% |
| Kansas | $125 | $1,496 | -9% |
| Kentucky | $110 | $1,316 | -20% |
| Louisiana | $111 | $1,329 | -19% |
| Maine | $165 | $1,985 | 21% |
| Maryland | $143 | $1,718 | 5% |
| Massachusetts | $177 | $2,132 | 30% |
| Michigan | $138 | $1,655 | 1% |
| Minnesota | $140 | $1,685 | 3% |
| Mississippi | $118 | $1,417 | -14% |
| Missouri | $108 | $1,303 | -21% |
| Montana | $116 | $1,396 | -15% |
| Nebraska | $123 | $1,475 | -10% |
| Nevada | $140 | $1,676 | 2% |
| New Hampshire | $157 | $1,889 | 15% |
| New Jersey | $153 | $1,840 | 12% |
| New Mexico | $121 | $1,448 | -12% |
| New York | $150 | $1,798 | 9% |
| North Carolina | $124 | $1,490 | -9% |
| North Dakota | $106 | $1,270 | -23% |
| Ohio | $128 | $1,531 | -7% |
| Oklahoma | $115 | $1,377 | -16% |
| Oregon | $170 | $2,042 | 24% |
| Pennsylvania | $144 | $1,728 | 5% |
| Rhode Island | $121 | $1,454 | -12% |
| South Carolina | $132 | $1,580 | -4% |
| South Dakota | $123 | $1,475 | -10% |
| Tennessee | $126 | $1,516 | -8% |
| Texas | $141 | $1,696 | 3% |
| Utah | $133 | $1,595 | -3% |
| Vermont | $127 | $1,531 | -7% |
| Virginia | $150 | $1,796 | 9% |
| Washington | $158 | $1,903 | 16% |
| West Virginia | $118 | $1,412 | -14% |
| Wisconsin | $148 | $1,774 | 8% |
| Wyoming | $126 | $1,512 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Bull Terrier. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Bull Terrier Insurance Costs?
Bull Terriers rank as the 42nd most expensive dog breed to insure, with monthly premiums averaging $137. Several breed-specific health and behavior factors drive these higher costs, but owners can take steps to find more affordable coverage.
Health Predispositions
Potential Vet Costs: $2,000 to $15,000
Bull Terriers face several high-risk health challenges that insurers consider carefully. Heart defects often require costly surgical intervention. Bull Terriers are also prone to kidney disease, eye problems like lens luxation, and skin allergies requiring ongoing treatment. These genetic predispositions significantly impact insurance pricing.
Size-Related Factors
Potential Vet Cost Increase: 30% to 45% higher vet costs
Bull Terriers are medium-sized but muscular dogs requiring specialized medical considerations. Their sturdy build means larger medication doses and anesthesia during procedures. Bull Terriers' muscular structure makes them susceptible to joint stress, often requiring specialized rehabilitation equipment and longer recovery periods.
Lifespan Considerations
Annual Vet Costs By Age: $500 to $1,000 (Young) to $2,500 to $5,000 (Senior)
Bull Terriers live 10 to 12 years, slightly shorter than average. Age-related health issues often appear earlier than in other breeds. Senior Bull Terriers frequently need intensive medical care, including regular blood work, dental procedures and chronic condition management.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Bull Terriers are energetic and powerful, with strong personalities. Their athletic nature can lead to injuries like cruciate ligament tears and muscle strains. Their determined temperament sometimes results in accidents, potentially affecting medical costs and liability coverage options.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased popularity has led to concerning breeding practices affecting Bull Terriers' health outcomes. Insurance providers scrutinize this breed due to higher prevalence of inherited conditions. Selecting puppies from health-tested parents with documented medical screenings can reduce coverage restrictions or claim denials.
While Bull Terriers share some common health traits, your dog's needs are unique. Choose insurance coverage based on your pet's health history and your budget. Your vet can help identify specific risks to consider.
INSURANCE RISK PREVENTION
Protect your Bull Terrier's health through preventive care and lifestyle management. Choose breeders who conduct genetic health screenings, maintain a proper diet with regular exercise, and schedule routine vet checkups to monitor heart and kidney function. Keep your pet at a healthy weight, watch for skin allergies, and work with your veterinarian to develop a breed-specific wellness plan that addresses common Bull Terrier health concerns.
How to Get the Best Cheap Bull Terrier Pet Insurance
Finding affordable Bull Terrier insurance takes some research, but these steps make it easier.
- 1
Evaluate Your Coverage Needs
Consider your Bull Terrier's age and potential health issues when choosing pet insurance coverage. Factor in breed-specific conditions like heart problems and skin allergies when deciding on coverage limits.
- 2
Compare Insurance Providers
Get quotes from at least three different pet insurance companies that cover Bull Terriers. Look for providers with strong customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Carefully check waiting periods and pre-existing condition exclusions before signing up. Make sure you understand what treatments and conditions are covered under the policy.
- 4
Get Multiple Online Quotes
Use online quote tools to compare prices from different insurers. Rates can vary significantly between companies, even for the same coverage level.
- 5
Review Annual Coverage
Check your policy details and pricing each year before renewal. Your Bull Terrier's needs may change, and new, more affordable options might be available.
Bull Terrier Dog Insurance: Bottom Line
AKC is the best-rated pet insurance provider for Bull Terriers, while Pets Best offers the lowest monthly premiums at $46. Compare both providers, 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 your Bull Terrier needs care.
Pet Insurance for Bull Terrier: FAQ
Below are our expert answers to frequently asked questions about Bull Terrier insurance:
What is the best pet insurance provider for Bull Terriers overall?
AKC provides the best insurance coverage for Bull Terriers, offering comprehensive protection and excellent customer service. Despite higher-than-average premiums, their extensive coverage options and strong track record make them a valuable choice for owners.
Who offers the cheapest pet insurance for Bull Terriers?
Pets Best provides the most affordable pet insurance for Bull Terriers, with plans starting at $46 per month for standard coverage. Actual rates will vary depending on your location and pet's specific circumstances.
How much does Bull Terrier insurance cost?
Bull Terriers rank as the 42nd most expensive breed to insure, with average monthly premiums of $137. Monthly rates vary significantly by location, ranging from $93 to $178 depending on your state.
What are the most common accident and illness risks for Bull Terriers?
Bull Terriers commonly face heart disease (affecting blood flow and energy levels), kidney disease (impacting waste filtration and overall health), and skin allergies (causing itching and discomfort). These health risks are largely connected to the breed's genetic predisposition and physical characteristics.
How We Found the Best and Cheapest Bull Terrier Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Bull Terriers. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Bull Terriers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Bull Terrier
- $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.