Choosing The Best Pet Insurance for French Bulldogs

Best Pet Insurance for French Bulldogs

Bred to create miniature bulldogs, French bulldogs come with a long history of being excellent companion dogs.

But due to their compressed tissues and facial bones, Frenchies are well prone to developing genetic health disorders.

If you’re looking to protect your beloved buddy, then you’ll need the best pet insurance for French bulldogs to help you cover treatment expenses at the vet.

Today, we’re reviewing the top 4 pet insurances for French bulldogs, so keep reading to find the right one for your dog.

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Table of Contents

Understanding Common Health Issues With French Bulldogs

As cute and affectionate French bulldogs can be, they do have their share of health issues.

Due to several factors such as compressed tissues, compressed facial bones, and the difference in the size of their head and hips at birth, virtually all French Bulldogs suffer from genetic issues and birth defects.

Understanding common health issues with French bulldogs will help you provide the necessary care for your pet and recognize the importance of taking out insurance for your Frenchie while they’re still a puppy.

Brachycephalic Syndrome

Despite the undeniable adorableness of the French bulldog’s squashed face, unfortunately, it constrains the dog’s airways and they may require an operation if they’re really struggling to breathe.

Signs that you may need to take your Frenchie to the vet include excessive snorting and snoring.

Hip Dysplasia

Hip dysplasia is also a genetic condition your Frenchie may suffer from. It’s where the femur bone doesn’t properly fit into the pelvic socket of the joint of the hip.

This can cause lameness or pain on either rear legs, and in aging dogs, arthritis can develop.

Allergies

Skin rashes are the most common way allergies manifest themselves in French bulldogs.

But still, this depends on what’s causing the allergy whether it’s ingesting certain foods, touching certain materials, or breathing in certain allergens.

Patellar Luxation

Common in a lot of small dog breeds, Patellar Luxation happens when the Patellar (the joining of the thigh bone, kneecap, and tibia) is misaligned, causing too much strain on the bones as they slip in and out.

Patellar Luxation can be recognized at birth in most cases, but sometimes the symptoms won’t appear until the dog is older.

Hemi Vertebrate

Hemi Vertebrae is a malformation of the spine that causes it to grow out of shape like a triangle or wedge.

This unnatural shape applies excessive pressure onto the spinal cord, which can lead to weakness, pain, or paralysis. Not to mention, it’s extremely painful for your Frenchie.

Unfortunately, Hemi Vertebrae has no treatment so you need to ask for the health records of both parents when purchasing a puppy.

Cleft Palate

While a cleft palate can occur in any dog, the awkward head shape of the French bulldog makes them more prone to suffer from this issue.

A cleft palate is diagnosed when the roof of the mouth is split, causing the nasal and oral cavities to join. This can cause difficulty in breathing.

Should I Get Pet Insurance For My French Bulldog?

To help make this decision, let’s explain what pet insurance means.

When you sign up your dog for a pet insurance policy, this company will pay (in total or partly) for treatment of the insured injured or ill pet at their vet.

Pet insurance isn’t limited to diseases or injuries, but some policies can be paid out when the pet is stolen, lost, or when the pet dies.

The need for pet insurance came about due to the increasing rate of expenses that follow visiting a vet, which includes expensive drugs and medical techniques, as well as dog owners having higher expectations of health care for their pets and their standard of living.

Pet insurance saves you from paying unreasonable medical fees or even worse, putting your dog down because you cannot afford the surgery.

It keeps you prepared in case your dog suffers from unexpected accidents or illnesses, so you can get them treated as soon as possible.

Which Pet Insurance Is Right For Your Frenchie?

If you’re trying to find the best pet insurance for your French Bulldog, you need to do some research to understand what the policies cover, what they don’t cover, and how deductibles work. The following are a few aspects to take into account:

  • Enrollment rules – most companies offer lifelong coverage, but if your Frenchie is too old or too young, they may be rejected. Also, check if any examinations are required beforehand and take a look at the waiting period.
  • Covered treatments – make sure you go through a detailed list of the types of incidents and treatments covered by the policy. These will vary from one company to another.
  • Deductibles – a deductible is the amount of money you pay before the insurance company takes action. It can be either annually, monthly, or per accident.
  • Payout limits – the total amount a company will reimburse you for covered costs per year.
  • Exclusions – be sure to pay close attention to the conditions excluded from coverage.

Reviewing the 4 Best Pet Insurances for French Bulldogs

Kicking off our list with one of the most extensive options out there, Embrace Pet Insurance offers a comprehensive plan to protect your French bulldog against any sort of accident or disease.

Embrace provides “Nose-to-tail” pet insurance coverage, as per their description, which makes up for up to 90% of your pet’s unexpected bills at the vet.

You can personalize the insurance policy to better suit your requirements, choosing between deductible, annual maximum, and reimbursement. But no matter what your plan is, every pet will be covered for the following aspects:

  • Accidents – all unexpected issues from broken bones to foreign body ingestion, including the consultation and exam fees.
  • Illnesses – all illnesses and injuries with no “per-condition” limitations.
  • Dental illnesses – from periodontal disease, gingivitis, and root canals to crowns, oral masses, and extractions, everything is covered up to $1000 per year.
  • Hereditary and genetic conditions – including hip dysplasia, allergies, and IVDD (intervertebral disc disease).
  • Cancer – all related testing and treatment are included at no extra cost.
  • Chronic conditions – long-term diseases such as allergies, diabetes, and arthritis.
  • Behavioral therapy.
  • Alternative therapy and rehabilitation.
  • Specialist care.
  • Diagnostic testing and imaging.
  • Surgery, hospitalization, and nursing care.
  • Prescription drugs.

Unlike most pet insurance companies that don’t cover any pre-existing conditions, Embrace covers curable pre-existing conditions after 12 months of symptom and treatment free.

Newly signed up pets require a waiting period of 48 hours for accidents and 14 days for illnesses. To start the policy, your French bulldog must have had a vet visit in the last 12 months.

Pros

  • Covers curable pre-existing conditions
  • 24/7 pet health support line
  • BBB rating is A+
  • Up to 10% discount for multiple pets
  • 30-day money-back guarantee

Cons

  • 2-day waiting period for accidents
  • Covers pets in the USA only
  • $1 monthly transaction fee

Up to 90% back on Vet Bills - Embrace Pet Insurance

If you want to get reliable but also affordable insurance for your bulldog, then you may want to consider Pets Best.

Established by Dr. Jack Stevens in 2005, Pets Best has paid out over $200 million in claims. Claims can be submitted in person or online, with additional options such as Pre-Authorization, Vet Direct Pay, and Free Direct Deposit.

Pets Best supports a 5-day claim processing average. It has no upper age limits on Accidents & Illness plans, but it doesn’t cover any pre-existing conditions.

Here’s what Pets Best dog insurance covers:

  • Accidents – including poisoning, broken bones, car accidents, foreign object ingestion, and hunting or in the line of service accidents.
  • Illnesses – including diabetes, arthritis, urinary tract infections, ear infections, and cancer.
  • Genetic conditions – such as epilepsy, luxating patella, and wobbler syndrome.
  • Surgery, hospitalization, and emergency care – including visiting any licensed vet, specialists, and emergency centers. Surgeries include removing foreign bodies and mass removals.
  • Prescription medications.
  • Chronic conditions – when your policy renews, previously covered conditions aren’t considered to be pre-existing.
  • Behavioral conditions.
  • Diagnostics – such as blood works, MRIs, X-rays, and CAT scans.
  • Dental issues
  • Prosthetic devices and wheelchairs – when a licensed vet prescribes or provides them as a treatment for a covered accident or illness.
  • Euthanasia for humane reasons.

Pros

  • Most affordable option
  • BBB rating is A+
  • 24/7 pet helpline
  • Covers pets in the US, Canada, and Puerto Rico.
  • 5% discount for multiple pets

Cons

  • 3 days waiting period for accidents
  • 6-month waiting period for CCL (cranial cruciate ligament) injuries
  • Premiums increase as the dog gets older

With more than 20 years of experience in providing pet insurance, MetLife has just recently acquired PetFirst in 2020. Founded in 2004, PetFirst has a stark record of delivering excellent service and maintaining trust with its customers.

PetFirst offers all-round coverage for dogs and puppies of all ages and breeds. The reimbursement is based on what you actually pay at the vet’s office, not what the company thinks the treatment should cost.

The way this works is through three steps:

     You’ll take your French bulldog to any licensed vet, specialist, or clinic in the USA.

     You’ll pay the bill at the bet and send your claim along with the needed documents.

     You’ll get your money back in less than 2 weeks after processing.

PetFirst doesn’t cover pre-existing conditions, breeding-related conditions, spaying, and neutering. Here’s what the company covers:

     Accidents.

     Illnesses – including hereditary, congenital, and chronic conditions.

     Surgeries.

     Hospitalization.

     Exam fees.

     Diagnostic tests.

     Emergency care.

     Medications.

     Alternative therapies.

Pros

     1-day waiting period for accidents

     You can visit any licensed vet, specialist, or clinic in the USA. No network of providers to worry about.

     Deductibles as low as $50 per incident

     Reimbursement limits from $2000 up to $10000

     BBB rating is A+

Cons

     Doesn’t cover breeding-related conditions

     6-month waiting period for IVDD and CCL

     No option for direct vet pay

  • US pets only

 

Trupanion has been caring for pets and their owners for almost two decades now, offering a simple and affordable pet insurance policy. The team’s motto is wanting to help take care of your pet, too, so they work to make sure all the needs of your French dog are adequately covered.

Since Trupanion was founded in 2000, the company has paid out over $1 billion to give pets the medical care they deserve. They paid out $178 million claims in 2018 alone, and their fastest ever claim paid is 11 seconds.

Available in the United States, Canada, and Australia, Trupanion operates via a unique software that allows for claim approval and payment directly to the vet hospital within minutes if you choose Vet Direct Pay.

Trupanion doesn’t cover pre-existing conditions, wellness care fees, or exam fees. The one simple plan covers 90% of unexpected illnesses and injuries with no limits on reimbursement amounts.

Here’s a list of what Trupanion covers for your French bulldog:

  • Illnesses and injuries – including upper respiratory infections, bite wounds, patella luxation, and urinary obstructions.
  • Breed-specific conditions.
  • Diagnostic tests.
  • Hospital stays.
  • Veterinary supplements.
  • Prosthetic devices and carts.

Pros

  • Certified NAPHIA (North American Pet Health Insurance Association) member
  • BBB rating is A-
  • Customers can choose their own deductible amount
  • Available by phone 24/7
  • 90% coverage for accidents and illnesses with unlimited payouts
  • Covers pets in the USA, Canada, and Australia

Cons

  • Doesn’t cover exam fees
  • No wellness and preventive care coverage
  • 5-day waiting period for accidents
  • 30-day waiting period for illnesses

Wrap Up

Choosing the best pet insurance for French bulldogs isn’t a decision to make on a whim. You need to do lots of research on the topic, compare different companies, and look deep into the policies they offer.

Luckily, we did most of the work to present you with the top 4 options available on the market.

The winner among these reliable companies would have to be Embrace Pet Insurance. Not only does it cover a wide range of accidents, illnesses, and treatments, but unlike all the other companies, it also covers curable pre-existing conditions.

Additionally, Embrace provides coverage for exam fees as well as wellness and preventive care.

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