Lemonade and AKC are the best pet insurance providers for French Bulldogs due to their competitive rates and strong customer satisfaction scores. Other top-rated options are Rainwalk and Pets Best.
French Bulldog Insurance
Updated: August 31, 2025
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Key Takeaways
Lemonade and AKC are tied as the best pet insurance companies for French Bulldogs, offering strong coverage and service quality.
Lemonade provides the cheapest pet insurance rates for French Bulldogs, with average rates of around $63 monthly for standard protection.
French Bulldog insurance costs $181 per month on average, making them the 17th most expensive dog breed to insure.
Best French Bulldog Pet Insurance Companies
| Lemonade | 3.90 | $63 | 3 | 6 |
| AKC | 3.90 | $89 | 3 | 1 |
| Rainwalk | 3.75 | $91 | 1 | 4 |
| Pets Best | 3.70 | $77 | 5 | 2 |
| Pumpkin | 3.50 | $66 | 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 French Bulldogs
MoneyGeek Rating
3.9/ of 5
3.1/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$63Overall Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Best French Bulldog Pet Insurance by State
Lemonade leads French Bulldog insurance coverage in 37 states nationwide. AKC ranks as the top choice in 33 states, including Alaska, Washington and Wyoming.
| Alabama | Lemonade | 3.90 |
| Alabama | Rainwalk | 3.90 |
| Alabama | AKC | 3.90 |
| Alaska | AKC | 3.90 |
| Alaska | Lemonade | 3.90 |
| Arizona | Lemonade | 3.90 |
| Arkansas | AKC | 4.05 |
| California | AKC | 3.90 |
| California | Lemonade | 3.90 |
| Colorado | AKC | 3.90 |
| Colorado | Lemonade | 3.90 |
| Connecticut | AKC | 3.90 |
| Connecticut | Lemonade | 3.90 |
| Delaware | Lemonade | 3.90 |
| Florida | AKC | 3.95 |
| Georgia | Lemonade | 3.90 |
| Hawaii | AKC | 3.90 |
| Hawaii | Lemonade | 3.90 |
| Idaho | Lemonade | 3.90 |
| Illinois | Rainwalk | 3.95 |
| Indiana | AKC | 3.95 |
| Iowa | Lemonade | 3.90 |
| Kansas | Lemonade | 3.90 |
| Kentucky | AKC | 4.00 |
| Louisiana | Lemonade | 3.90 |
| Maine | Lemonade | 3.90 |
| Maine | AKC | 3.90 |
| Maryland | Lemonade | 3.90 |
| Massachusetts | Lemonade | 3.90 |
| Michigan | Lemonade | 3.90 |
| Minnesota | Lemonade | 3.90 |
| Mississippi | AKC | 3.90 |
| Mississippi | Lemonade | 3.90 |
| Missouri | Lemonade | 3.90 |
| Missouri | AKC | 3.90 |
| Montana | AKC | 3.90 |
| Montana | Lemonade | 3.90 |
| Nebraska | AKC | 3.90 |
| Nebraska | Lemonade | 3.90 |
| Nevada | AKC | 3.90 |
| Nevada | Lemonade | 3.90 |
| New Hampshire | AKC | 3.90 |
| New Hampshire | Lemonade | 3.90 |
| New Jersey | Lemonade | 3.90 |
| New Mexico | AKC | 4.00 |
| New York | AKC | 3.90 |
| New York | Lemonade | 3.90 |
| North Carolina | Lemonade | 3.90 |
| North Carolina | AKC | 3.90 |
| North Dakota | AKC | 4.00 |
| Ohio | Lemonade | 3.90 |
| Oklahoma | AKC | 4.05 |
| Oregon | AKC | 3.90 |
| Oregon | Lemonade | 3.90 |
| Pennsylvania | AKC | 3.90 |
| Pennsylvania | Lemonade | 3.90 |
| Rhode Island | AKC | 3.95 |
| South Carolina | AKC | 4.00 |
| South Dakota | AKC | 4.00 |
| Tennessee | AKC | 3.90 |
| Tennessee | Lemonade | 3.90 |
| Texas | AKC | 3.90 |
| Texas | Lemonade | 3.90 |
| Utah | Lemonade | 3.90 |
| Vermont | AKC | 3.90 |
| Vermont | Lemonade | 3.90 |
| Virginia | Lemonade | 3.90 |
| Washington | AKC | 4.10 |
| West Virginia | AKC | 3.90 |
| West Virginia | Lemonade | 3.90 |
| Wisconsin | Lemonade | 3.90 |
| Wyoming | AKC | 3.95 |
*Rates are based on a 6-year-old French 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 French Bulldog Pet Insurance Companies
Lemonade provides the most affordable pet insurance for French Bulldogs at $63 per month or $752 per year. Other budget-friendly options include Pumpkin, ASPCA, Pets Best and Figo.
| Lemonade | $63 | $752 | 15% |
| Pumpkin | $66 | $790 | 20% |
| ASPCA | $74 | $888 | 35% |
| Pets Best | $77 | $926 | 41% |
| Figo | $79 | $956 | 46% |
*Rates are based on a 6-year-old French 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 French Bulldog Pet Insurance by State
Lemonade offers the most budget-friendly French Bulldog insurance across the U.S., ranking cheapest in all 50 states. Monthly premiums range from $42 to $81, depending on your location.
| Alabama | Lemonade | $46 | 9% |
| Alaska | Lemonade | $61 | 13% |
| Arizona | Lemonade | $76 | 18% |
| Arkansas | Lemonade | $42 | 9% |
| California | Lemonade | $79 | 22% |
| Colorado | Lemonade | $79 | 17% |
| Connecticut | Lemonade | $72 | 16% |
| Delaware | Lemonade | $63 | 13% |
| Florida | Lemonade | $71 | 15% |
| Georgia | Lemonade | $57 | 17% |
| Hawaii | Lemonade | $63 | 12% |
| Idaho | Lemonade | $63 | 16% |
| Illinois | Lemonade | $78 | 19% |
| Indiana | Lemonade | $57 | 17% |
| Iowa | Lemonade | $53 | 12% |
| Kansas | Lemonade | $57 | 14% |
| Kentucky | Lemonade | $50 | 9% |
| Louisiana | Lemonade | $51 | 11% |
| Maine | Lemonade | $76 | 15% |
| Maryland | Lemonade | $61 | 5% |
| Massachusetts | Lemonade | $81 | 17% |
| Michigan | Lemonade | $63 | 14% |
| Minnesota | Lemonade | $65 | 17% |
| Mississippi | Lemonade | $53 | 12% |
| Missouri | Lemonade | $49 | 12% |
| Montana | Lemonade | $52 | 13% |
| Nebraska | Lemonade | $57 | 14% |
| Nevada | Lemonade | $65 | 16% |
| New Hampshire | Lemonade | $73 | 17% |
| New Jersey | Lemonade | $71 | 17% |
| New Mexico | Lemonade | $55 | 13% |
| New York | Lemonade | $68 | 16% |
| North Carolina | Lemonade | $56 | 11% |
| North Dakota | Lemonade | $48 | 13% |
| Ohio | Lemonade | $58 | 12% |
| Oklahoma | Lemonade | $53 | 13% |
| Oregon | Lemonade | $78 | 17% |
| Pennsylvania | Lemonade | $65 | 14% |
| Rhode Island | Lemonade | $55 | 13% |
| South Carolina | Lemonade | $61 | 20% |
| South Dakota | Lemonade | $55 | 11% |
| Tennessee | Lemonade | $58 | 15% |
| Texas | Lemonade | $66 | 18% |
| Utah | Lemonade | $60 | 13% |
| Vermont | Lemonade | $58 | 13% |
| Virginia | Lemonade | $67 | 12% |
| Washington | Lemonade | $72 | 11% |
| West Virginia | Lemonade | $54 | 15% |
| Wisconsin | Lemonade | $67 | 12% |
| Wyoming | Lemonade | $58 | 15% |
*Rates are based on a 6-year-old French 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 French Bulldog Insurance Cost?
Monthly pet insurance premiums for French Bulldogs range from $123 to $235 across the U.S., ranking as the 17th most expensive breed to insure. Your actual cost depends on your location and chosen coverage options.
| Alabama | $137 | $1,643 | -24% |
| Alaska | $179 | $2,152 | -1% |
| Arizona | $216 | $2,597 | 19% |
| Arkansas | $123 | $1,476 | -32% |
| California | $225 | $2,699 | 24% |
| Colorado | $227 | $2,727 | 25% |
| Connecticut | $208 | $2,490 | 14% |
| Delaware | $184 | $2,207 | 1% |
| Florida | $206 | $2,479 | 14% |
| Georgia | $161 | $1,937 | -11% |
| Hawaii | $185 | $2,226 | 2% |
| Idaho | $181 | $2,173 | -0% |
| Illinois | $222 | $2,667 | 23% |
| Indiana | $164 | $1,966 | -10% |
| Iowa | $150 | $1,805 | -17% |
| Kansas | $165 | $1,981 | -9% |
| Kentucky | $145 | $1,743 | -20% |
| Louisiana | $147 | $1,760 | -19% |
| Maine | $219 | $2,630 | 21% |
| Maryland | $190 | $2,275 | 5% |
| Massachusetts | $235 | $2,824 | 30% |
| Michigan | $183 | $2,192 | 1% |
| Minnesota | $186 | $2,232 | 3% |
| Mississippi | $156 | $1,877 | -14% |
| Missouri | $144 | $1,726 | -21% |
| Montana | $154 | $1,849 | -15% |
| Nebraska | $163 | $1,953 | -10% |
| Nevada | $185 | $2,220 | 2% |
| New Hampshire | $209 | $2,502 | 15% |
| New Jersey | $203 | $2,437 | 12% |
| New Mexico | $160 | $1,918 | -12% |
| New York | $198 | $2,382 | 9% |
| North Carolina | $164 | $1,973 | -9% |
| North Dakota | $140 | $1,683 | -23% |
| Ohio | $169 | $2,028 | -7% |
| Oklahoma | $152 | $1,824 | -16% |
| Oregon | $225 | $2,705 | 24% |
| Pennsylvania | $191 | $2,288 | 5% |
| Rhode Island | $161 | $1,925 | -12% |
| South Carolina | $175 | $2,097 | -4% |
| South Dakota | $163 | $1,954 | -10% |
| Tennessee | $167 | $2,007 | -8% |
| Texas | $187 | $2,246 | 3% |
| Utah | $176 | $2,112 | -3% |
| Vermont | $169 | $2,028 | -7% |
| Virginia | $198 | $2,379 | 9% |
| Washington | $210 | $2,520 | 16% |
| West Virginia | $156 | $1,870 | -14% |
| Wisconsin | $196 | $2,350 | 8% |
| Wyoming | $167 | $2,003 | -8% |
*The rates include all coverage selections on the market for a 6-year-old French Bulldog. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect French Bulldog Insurance Costs?
French Bulldogs rank as the 17th most expensive dog breed to insure due to multiple health factors driving higher premium costs. Several breed-specific conditions and physical characteristics influence insurance rates and coverage options.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
French Bulldogs face high-risk breed-specific health challenges that significantly impact insurance premiums. Brachycephalic Airway Syndrome, from their flat facial structure, frequently requires corrective surgery. French Bulldogs develop spinal disorders, hip dysplasia and eye problems, including cherry eye and corneal ulcers. These genetic predispositions directly influence both coverage options and long-term healthcare expenses.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Due to their compact size and unique body structure, French Bulldogs require specialized medical care. Precise medication dosing and carefully controlled anesthesia become necessary during procedures. French Bulldogs' distinct chest shape and breathing challenges often require additional monitoring and specialized equipment during treatments, increasing overall medical costs.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $4,500 (Senior)
French Bulldogs live 10 to 12 years, shorter than average for small breeds. Age-related health issues develop earlier in French Bulldogs, increasing veterinary costs during senior years. Regular preventive care becomes essential as French Bulldogs age, with many requiring specialized medical attention for respiratory and mobility issues.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
French Bulldogs face activity-related injury risks despite playful temperaments. Short muzzles cause breathing difficulties during exercise, while top-heavy builds increase fall and joint injury risks. French Bulldogs require careful activity management to prevent overexertion and emergency veterinary visits.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
French Bulldog popularity has increased breeding-related health complications. Selective breeding for extreme physical features creates enhanced risks of skeletal abnormalities and respiratory problems. Insurance providers scrutinize these breed-specific complications, making health-tested parents with documented medical screenings essential.
French Bulldogs share common health risks, but individual needs vary. When choosing coverage, consider your pet's specific health history and budget. Veterinarians can help identify individual risk factors affecting insurance decisions.
INSURANCE RISK PREVENTION
Protect your French Bulldog's health by maintaining a healthy weight through portion control and regular, gentle exercise during cooler hours. Schedule regular vet checkups to monitor breathing and spine health, and keep skin folds clean and dry to prevent infections. Choose health-tested breeding lines when getting a puppy, and work with your vet on a preventive care plan that includes dental cleanings and joint supplements. These steps can reduce common health issues and help avoid costly medical problems.
How to Get the Best Cheap French Bulldog Pet Insurance
Smart research and comparison shopping can lower your French Bulldog insurance costs with these steps.
- 1
Understand Your Coverage Needs
French Bulldogs often face breed-specific health issues like respiratory problems and hip dysplasia. Review pet insurance coverage options to match your dog's needs and your budget.
- 2
Compare Insurance Providers
Get familiar with top pet insurance companies and their basic rates. Look for providers with positive customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Check waiting periods and pre-existing condition rules before signing up. Pay special attention to coverage limits and deductibles that affect your out-of-pocket costs.
- 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
Check Rates Annually
Review your policy and get new quotes each year at renewal time. Your French Bulldog's needs may change, and new providers might offer better rates.
French Bulldog Dog Insurance: Bottom Line
Lemonade and AKC are the best pet insurance providers for French Bulldogs, while Lemonade offers the most affordable monthly premiums. Compare both companies, and other trusted insurers, to find coverage that matches your pet's health needs and your budget. Having the right policy ensures your French Bulldog gets quality care when health issues arise.
Pet Insurance for French Bulldog: FAQ
Below are our expert answers to frequently asked questions about French Bulldog insurance:
What is the best pet insurance provider for French Bulldogs overall?
Lemonade and AKC offer the most comprehensive insurance for French Bulldogs, featuring exceptional coverage and strong customer experience ratings. Despite higher premiums, their extensive benefits and reliable service make them a valuable choice for pet owners.
Who offers the cheapest pet insurance for French Bulldogs?
Lemonade provides the most affordable pet insurance for French Bulldogs, with plans starting at $63 per month for standard coverage. Final rates will vary depending on your location, pet's age, and specific coverage needs.
How much does French Bulldog insurance cost?
French Bulldogs rank as the 17th most expensive breed to insure, with an average monthly premium of $181. Monthly insurance rates can vary significantly by location, ranging from $123 to $235.
What are the most common accident and illness risks for French Bulldogs?
French Bulldogs commonly suffer from Brachycephalic Airway Syndrome (causing breathing difficulties due to their flat faces), hip dysplasia (a joint condition affecting mobility), and spinal problems (particularly intervertebral disk disease). These health risks are primarily linked to the breed's distinctive physical characteristics and genetic predisposition.
How We Found the Best and Cheapest French 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 French 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 French Bulldogs.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old French 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.