Lemonade is the best pet insurance company for English Bulldogs due to its competitive pricing and strong customer satisfaction scores. Other top providers are AKC, Rainwalk and Spot.
English Bulldog Insurance
Updated: September 4, 2025
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Key Takeaways
Lemonade is the best pet insurance company for English Bulldogs, combining strong coverage options with competitive pricing.
Lemonade offers the cheapest pet insurance rates for English Bulldogs, with an average monthly rate of around $70 for standard protection.
English Bulldog insurance costs an average of $204 per month, making them the 10th most expensive dog breed to insure.
Best English Bulldog Pet Insurance Companies
| Lemonade | 3.80 | $70 | 3 | 6 |
| AKC | 3.70 | $104 | 3 | 1 |
| Rainwalk | 3.65 | $100 | 1 | 4 |
| Spot | 3.35 | $100 | 2 | 8 |
| Pets Best | 3.30 | $108 | 5 | 2 |
*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 English Bulldogs
MoneyGeek Rating
3.8/ of 5
3.6/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$70Overall Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical therapy for new accidents and illness
Best English Bulldog Pet Insurance by State
Lemonade leads English Bulldog insurance in 43 states nationwide. AKC ranks highest in several regions, including Arkansas, Indiana and Washington, making it the second most prevalent provider across the country.
| Alabama | Lemonade | 3.85 |
| Alaska | Lemonade | 3.80 |
| Arizona | Lemonade | 3.80 |
| Arkansas | AKC | 3.85 |
| Arkansas | Lemonade | 3.85 |
| California | Lemonade | 3.80 |
| Colorado | Lemonade | 3.80 |
| Connecticut | Lemonade | 3.80 |
| Delaware | Lemonade | 3.80 |
| Florida | Lemonade | 3.80 |
| Georgia | Lemonade | 3.80 |
| Hawaii | Lemonade | 3.80 |
| Idaho | Lemonade | 3.80 |
| Illinois | Rainwalk | 3.85 |
| Indiana | AKC | 3.80 |
| Indiana | Lemonade | 3.80 |
| Iowa | Lemonade | 3.80 |
| Kansas | Lemonade | 3.80 |
| Kansas | Rainwalk | 3.80 |
| Kentucky | Lemonade | 3.85 |
| Kentucky | Rainwalk | 3.85 |
| Kentucky | AKC | 3.85 |
| Louisiana | Lemonade | 3.80 |
| Maine | Lemonade | 3.80 |
| Maryland | Lemonade | 3.80 |
| 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 | 3.85 |
| New York | Lemonade | 3.80 |
| North Carolina | Lemonade | 3.80 |
| North Dakota | AKC | 3.85 |
| Ohio | Lemonade | 3.80 |
| Oklahoma | AKC | 3.85 |
| Oregon | Lemonade | 3.80 |
| Pennsylvania | Lemonade | 3.80 |
| Rhode Island | Lemonade | 3.80 |
| Rhode Island | AKC | 3.80 |
| South Carolina | Rainwalk | 3.80 |
| South Dakota | AKC | 3.85 |
| Tennessee | Lemonade | 3.80 |
| Texas | Lemonade | 3.80 |
| Utah | Lemonade | 3.80 |
| Vermont | Lemonade | 3.80 |
| Virginia | Lemonade | 3.80 |
| Washington | AKC | 3.95 |
| West Virginia | Lemonade | 3.80 |
| Wisconsin | Lemonade | 3.80 |
| Wyoming | Lemonade | 3.80 |
*Rates are based on a 6-year-old English 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 English Bulldog Pet Insurance Companies
Lemonade provides the most affordable pet insurance for English Bulldogs at $70 per month or $840 per year. Other budget-friendly providers include Pumpkin, ASPCA, Figo and MetLife.
| Lemonade | $70 | $840 | 28% |
| Pumpkin | $81 | $978 | 49% |
| ASPCA | $84 | $1,014 | 55% |
| Figo | $90 | $1,085 | 65% |
| MetLife | $94 | $1,132 | 73% |
*Rates are based on a 6-year-old English 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 English Bulldog Pet Insurance by State
Lemonade offers the most budget-friendly pet insurance for English Bulldogs, ranking cheapest in 50 states nationwide. Monthly premiums range from $47 to $90, depending on your location.
| Alabama | Lemonade | $51 | 21% |
| Alaska | Lemonade | $68 | 26% |
| Arizona | Lemonade | $85 | 32% |
| Arkansas | Lemonade | $47 | 22% |
| California | Lemonade | $89 | 36% |
| Colorado | Lemonade | $88 | 30% |
| Connecticut | Lemonade | $80 | 29% |
| Delaware | Lemonade | $70 | 27% |
| Florida | Lemonade | $79 | 29% |
| Georgia | Lemonade | $63 | 30% |
| Hawaii | Lemonade | $71 | 25% |
| Idaho | Lemonade | $70 | 29% |
| Illinois | Lemonade | $87 | 33% |
| Indiana | Lemonade | $63 | 30% |
| Iowa | Lemonade | $59 | 25% |
| Kansas | Lemonade | $64 | 27% |
| Kentucky | Lemonade | $55 | 21% |
| Louisiana | Lemonade | $56 | 24% |
| Maine | Lemonade | $85 | 28% |
| Maryland | Lemonade | $69 | 18% |
| Massachusetts | Lemonade | $90 | 31% |
| Michigan | Lemonade | $70 | 28% |
| Minnesota | Lemonade | $73 | 30% |
| Mississippi | Lemonade | $60 | 25% |
| Missouri | Lemonade | $55 | 25% |
| Montana | Lemonade | $59 | 26% |
| Nebraska | Lemonade | $63 | 27% |
| Nevada | Lemonade | $73 | 30% |
| New Hampshire | Lemonade | $81 | 31% |
| New Jersey | Lemonade | $79 | 31% |
| New Mexico | Lemonade | $62 | 26% |
| New York | Lemonade | $76 | 29% |
| North Carolina | Lemonade | $62 | 24% |
| North Dakota | Lemonade | $54 | 26% |
| Ohio | Lemonade | $64 | 25% |
| Oklahoma | Lemonade | $59 | 26% |
| Oregon | Lemonade | $87 | 31% |
| Pennsylvania | Lemonade | $73 | 27% |
| Rhode Island | Lemonade | $61 | 26% |
| South Carolina | Lemonade | $68 | 34% |
| South Dakota | Lemonade | $62 | 24% |
| Tennessee | Lemonade | $65 | 29% |
| Texas | Lemonade | $74 | 31% |
| Utah | Lemonade | $67 | 26% |
| Vermont | Lemonade | $65 | 26% |
| Virginia | Lemonade | $75 | 25% |
| Washington | Lemonade | $81 | 24% |
| West Virginia | Lemonade | $61 | 28% |
| Wisconsin | Lemonade | $75 | 25% |
| Wyoming | Lemonade | $65 | 29% |
*Rates are based on a 6-year-old English 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 English Bulldog Insurance Cost?
Monthly pet insurance for English Bulldogs ranges from $138 to $264 across the U.S., ranking as the 10th most expensive breed to insure. Your actual premium depends on your location and chosen coverage options.
| Alabama | $154 | $1,846 | -25% |
| Alaska | $201 | $2,418 | -1% |
| Arizona | $243 | $2,917 | 19% |
| Arkansas | $138 | $1,658 | -32% |
| California | $253 | $3,032 | 24% |
| Colorado | $255 | $3,063 | 25% |
| Connecticut | $233 | $2,799 | 14% |
| Delaware | $206 | $2,480 | 1% |
| Florida | $232 | $2,784 | 14% |
| Georgia | $181 | $2,175 | -11% |
| Hawaii | $208 | $2,500 | 2% |
| Idaho | $203 | $2,441 | -0% |
| Illinois | $250 | $2,996 | 23% |
| Indiana | $184 | $2,208 | -10% |
| Iowa | $169 | $2,027 | -17% |
| Kansas | $186 | $2,225 | -9% |
| Kentucky | $163 | $1,958 | -20% |
| Louisiana | $165 | $1,977 | -19% |
| Maine | $246 | $2,955 | 21% |
| Maryland | $213 | $2,554 | 4% |
| Massachusetts | $264 | $3,172 | 30% |
| Michigan | $205 | $2,461 | 1% |
| Minnesota | $209 | $2,507 | 3% |
| Mississippi | $176 | $2,109 | -14% |
| Missouri | $161 | $1,938 | -21% |
| Montana | $173 | $2,078 | -15% |
| Nebraska | $183 | $2,194 | -10% |
| Nevada | $208 | $2,494 | 2% |
| New Hampshire | $234 | $2,812 | 15% |
| New Jersey | $228 | $2,738 | 12% |
| New Mexico | $180 | $2,154 | -12% |
| New York | $223 | $2,675 | 9% |
| North Carolina | $185 | $2,215 | -9% |
| North Dakota | $158 | $1,891 | -23% |
| Ohio | $190 | $2,278 | -7% |
| Oklahoma | $171 | $2,049 | -16% |
| Oregon | $253 | $3,038 | 24% |
| Pennsylvania | $214 | $2,570 | 5% |
| Rhode Island | $180 | $2,163 | -12% |
| South Carolina | $197 | $2,363 | -3% |
| South Dakota | $183 | $2,194 | -10% |
| Tennessee | $188 | $2,254 | -8% |
| Texas | $210 | $2,523 | 3% |
| Utah | $198 | $2,372 | -3% |
| Vermont | $190 | $2,279 | -7% |
| Virginia | $223 | $2,671 | 9% |
| Washington | $236 | $2,831 | 16% |
| West Virginia | $175 | $2,102 | -14% |
| Wisconsin | $220 | $2,639 | 8% |
| Wyoming | $187 | $2,251 | -8% |
*The rates include all coverage selections on the market for a 6-year-old English Bulldog. Your rates will differ based on your pet's specific profile and location.
What Factors Affect English Bulldog Insurance Costs?
Due to breed-specific health risks and care requirements, English Bulldogs rank as the 10th most expensive breed to insure. These factors drive premium costs and offer opportunities to manage insurance expenses.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Brachycephalic Airway Syndrome affects most English Bulldogs and often requires corrective surgery. The breed faces high risks for hip dysplasia, heart problems, skin fold infections, eye conditions and spinal issues. Insurers classify these as high-risk conditions, leading to ongoing medical expenses.
Size-Related Factors
Potential Vet Cost Increase: 30% to 50% higher vet costs
English Bulldogs' heavy build requires specialized medical handling during procedures. Their weight demands higher medication doses and more anesthesia than lighter breeds. Recovery often needs additional support, including orthopedic beds and mobility aids.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $5,000 (Senior)
English Bulldogs live 8 to 10 years, shorter than most breeds. Age-related health issues develop earlier and progress rapidly. Senior Bulldogs require increased veterinary care, specialized medications and chronic condition management.
Behavioral and Activity Risks
Potential Vet Costs: $1,000 to $4,500
English Bulldogs' sturdy build and determination can cause injuries during play. Low endurance and heat sensitivity lead to emergency vet visits from overexertion. Consistent training prevents accident-related injuries from their stubborn nature.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Poor breeding practices create genetic complications that increase insurance risk classifications. Inherited conditions may affect coverage terms and exclusions. Selecting puppies from health-tested parents with proper documentation reduces future medical expenses and insurance complications.
Your English Bulldog's individual health profile matters most when choosing insurance coverage. Base decisions on your financial goals and your dog's specific medical history. Consult your veterinarian to identify health risks affecting your Bulldog's coverage needs.
INSURANCE RISK PREVENTION
Maintain your English Bulldog's healthy weight through measured portions and gentle exercise. Clean skin folds daily and monitor for breathing difficulty signs. Choose breeders who perform health testing on parent dogs. Keep English Bulldogs cool during warm weather and schedule regular veterinary checkups for early issue detection. These preventive steps reduce costly health problems common to the breed.
How to Get the Best Cheap English Bulldog Pet Insurance
Smart shopping reduces English Bulldog insurance costs through these essential steps.
- 1
Understand Your Coverage Options
English Bulldogs often face unique health challenges that can lead to expensive vet bills. Review pet insurance coverage options to find a plan that covers breed-specific issues like respiratory problems and joint conditions.
- 2
Compare Insurance Providers
Research insurance companies with positive customer reviews for English Bulldog coverage. Rather than generic pet insurers, focus on providers with clear policies about hereditary conditions and breed-specific health issues.
- 3
Review Policy Details
Pay special attention to waiting periods and pre-existing condition clauses. Make sure the policy covers the most common health issues English Bulldogs face.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Review Coverage Annually
Set a yearly reminder to check your policy terms and rates. Your dog's needs may change, and new, more affordable options might become available.
English Bulldog Dog Insurance: Bottom Line
Lemonade is the best and most affordable pet insurance provider for English Bulldogs, with monthly premiums starting at $70. While this makes Lemonade a strong choice, compare it with other trusted insurers to find coverage that fits your pet's needs. The right policy brings peace of mind when health issues arise.
Pet Insurance for English Bulldogs: FAQ
Below are our expert answers to frequently asked questions about English Bulldog insurance:
What is the best pet insurance provider for English Bulldogs overall?
Lemonade offers the best insurance for English Bulldogs, featuring comprehensive coverage and excellent customer experience ratings. While premiums run higher than average, their extensive protection and responsive service justify the investment.
Who offers the cheapest pet insurance for English Bulldogs?
Lemonade provides the most affordable pet insurance for English Bulldogs, with monthly premiums starting at $70 for standard coverage. Note that actual rates may vary depending on your location and pet's specific circumstances.
How much does English Bulldog insurance cost?
English Bulldogs rank as the 10th most expensive breed to insure, with average premiums of $204 per month. Monthly insurance costs vary significantly by location, ranging from $138 to $264.
What are the most common accident and illness risks for English Bulldogs?
English Bulldogs commonly suffer from brachycephalic airway syndrome (causing breathing difficulties due to their flat faces), hip dysplasia (joint malformation leading to mobility issues), and skin fold dermatitis (infections in wrinkled skin areas). These health challenges are directly linked to the breed's distinctive physical characteristics and genetic makeup.
How We Found the Best and Cheapest English 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 English 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 English Bulldogs.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old English 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.