The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Average Cost of Bulldog Insurance 2020

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Find out much it will cost to insure your Bulldog today. One form to fill out.

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Bulldog pet insurance costs start from a low of £50 a month or £600 a year for a puppy, but older Bulldogs cost a lot more to insure. Prices are a bit different for French Bulldogs and English Bulldogs, however. How much will you need to budget to help cover vet bills?

Contents

How Much is English Bulldog Insurance?

Dog insurance for English Bulldogs costs around £66 a month, for a policy with £2,000 to £5,000 of Lifetime cover. This price reflects the average premium you'd need to pay for cheap pet insurance from young puppy through 7 years of age (prices increase with age). Max Benefit plans are a touch cheaper—but that cover doesn't renew each year so is likely not sufficient for a Bulldog.

Cost of English Bulldog Insurance per month
12 Month Time Limited£44.1
Max Benefit per Condition£63.4
Lifetime£64.8

You can buy a 12 Month Time Limited policy for around £44 a month, which is 33% less than Lifetime cover, but this won't afford long-term protection for a Bulldog's recurring hereditary health problems like respiratory disease, cherry eye, infections in skin folds, urinary tract stones, etc. Lifetime cover, while expensive, can help cover anticipated vet bills to treat the chronic and recurring health conditions that bulldogs are known for.

Chart showing the average cost of English Bulldog insurance

Poll: English Bulldog Pet Insurance Costs

Let's see what our readers pay in real life. If you have been paying for English Bulldog insurance or if you've received a quote, let us know how much it is per month so we can see what real pet owners actually pay.

How Much is French Bulldog Insurance?

Dog insurance for a French Bulldog costs on average £54.5 per month for £2,000 to £5,000 of Lifetime cover. Whilst more expensive, Lifetime cover provides financial protection for recurring or chronic problems that frequently affect bulldogs (e.g., respiratory, skin and eye conditions).

Cost of French Bulldog Insurance
12 Month Time Limited£48.6
Max Benefit per Condition£65.2
Lifetime£54.5

Interestingly, in our study the prices for Maximum Benefit per Condition policies were even higher than Lifetime premiums. Lifetime is technically the better coverage option since the vet fee limit renews each year. Because of this, Lifetime plans certainly seem like the better value option when compared to Max Benefit/Per Condition plans.

Chart showing the average cost of French Bulldog insurance

Poll: French Bulldog Pet Insurance Costs

Let's see what our readers pay in real life to insure their Frenchies. If you have been paying for French Bulldog insurance or if you've received a quote, let us know how much it is per month so we can find out what real pet owners actually pay.

Bulldog Insurance Costs for Older Pets

Generally speaking, the cost of Bulldog insurance increases every year as your dog ages—the exception to this rule is that prices can drop from new puppy to one year of age. But from there, dog insurance prices tend to rise each year—even if you don't claim. In fact, by 5 years of age a dog owner could be paying 50% more for cover than when their dog was young.

Monthly Cost of Lifetime Pet Insurance for Bulldogs by AgeFrench BulldogEnglish Bulldog
Puppy£45.1£57.5
1 year£45.1£52.1
3 years£49.6£56.5
5 years£59.3£69.5
7 years£73.4£88.4
Average£54.5£64.8
Chart showing the average cost of Bulldog insurance by age
As with all dog insurance, the cost of Bulldog insurance generally rises each year.

How to Save Money on Bulldog Insurance

If you want to save money on Bulldog insurance, there are a few options to consider to help you find a suitable plan with a lower premium. Read more about what's important to look for in pet insurance for Bulldogs in our article, Bulldog Insurance: 4 Top Tips to Ensure the Right Cover.

Use a Comparison Site

Pet insurance rates vary widely, with the most expensive plans costing multiples of the cheapest plans. For that reason, it's a good idea to compare prices before committing to know if you're getting a good deal or not and to check the market to see what's a reasonable premium to pay for your dog.

To help save money and find a plan that fits in your budget, you can compare prices by checking a comparison site such as our pet insurance partner Compare Cover in order to get quick access to prices from a wide array of pet insurers.

Consider Different Types of Insurance

Some people consider a different type of pet insurance to lower their premium. But this isn't always effective. 12 Month Time Limited plans typically cost the least, around 10% to 30% less than Lifetime cover for French and English Bulldogs, respectively. However a time limited plan only helps with vet bills for 12 months, which is insufficient for the recurring types of conditions suffered by Bulldogs that can come and go for years.

Saving money on premiums now may mean you pay more in vet fees later if you choose a time limited plan.

Additionally, pet insurance plans that include dental illness will typically cost more. (Dental illness includes treatment of conditions such as gum disease and tooth extractions related to periodontitis.)

Choose a Higher Excess

Companies like Bought By Many let you easily select from a few different excess options to see how the premium changes. A higher premium typically means a lower premium, but if the difference is only a few quid a month, the savings might not be worth it.

How Much Cover do You Really Need?

Opt for a lower vet limit to reduce your premium if necessary to fit in your budget, because having a lower vet limit is better than having no insurance at all. For example, all else equal, a plan with £3,000 of cover would cost a lot less than a plan with £10,000 of cover, and £3,000 of cover will still be a big help if vet bills arise. Most pet owners will not need a plan with a very high vet limit, and given the high cost of Bulldog insurance, these plans can therefor be uneconomical. While a lower limit means you have fewer funds at your disposal, at least you have some level of protection should the need arise. Ultimately this is a personal decision, however.

FAQs

Bulldog pet insurance starts from around £50 a year for at least £2k of Lifetime cover for a puppy, but insurance costs rise as your pet ages and can be 50% higher by the time your dog turns 7.
Some people choose to self insure since French Bulldogs are so expensive to insure, but keep in mind that insurance premiums for French Bulldogs are high for a reason—French Bulldogs frequently end up at the vet for treatment of hereditary health issues. Insurance or self-pay vet bills are just another cost of owning a pet.
Yes, French Bulldogs are one of the most expensive breeds of dog to insure; French Bulldog insurance costs around 2X as much as the average cost of dog insurance.

Methodology

In order to determine the average cost of pet insurance for French Bulldogs and English Bulldogs, we gathered dozens of sample quotes from two dozen pet insurers available through our pet insurance partner Compare Cover and Bought By Many. We took the average of the 5 cheapest quotes for Lifetime, Max Benefit and Time Limited policies for dogs of various ages. We considered plans with between £2,000 and £5,000 of vet cover. These prices represent our sample dogs, but your prices may be quite different. Factors such as where you live can even impact your dog insurance premiums.

The set of insurers used for this study consisted of:

Many of these companies are included in the list of best pet insurance companies. If you're just now thinking of buying a puppy, see our article about the Average Cost of Bulldog Puppies to get an idea of how much you'll spend to buy one.

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Find out how much it will cost to insure your Bulldog today.

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The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.