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Average Cost of Bulldog Insurance 2019

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Bulldogs may be incredibly cute, but keeping one healthy can cost a small fortune. As Bulldogs are prone to health conditions like respiratory problems, severe skin allergies, cherry eye and hip dysplasia, a pet owner may pay thousands of pounds in vet fees over the years. Buying pet insurance can help mitigate the financial burden when your dog becomes ill, but can be expensive for a Bulldog due to the known hereditary diseases—luckily you can save money if you know where to look.

Whether you own a Bulldog already or are considering adding one to your family, use our research on the average cost of Bulldog insurance to help you make an informed decision regarding your pet's health that fits within your budget. If you're thinking of buying a French Bulldog or an English Bulldog, we've also gathered data on the average cost to buy a French Bulldog and English Bulldog to provide a more comprehensive account of Bulldog ownership costs.

Average Cost of Bulldog Insurance

The cost of pet insurance for a Bulldog can vary significantly depending on the type of pet insurance and the type of Bulldog. To give you an idea of what you might pay for bulldog vet insurance, we gathered dozens of quotes for a 3-month-old, healthy, male French Bulldog and English Bulldog across the three types of injury and illness vet cover—Time Limited, Maximum Benefit and Lifetime.

For Bulldogs overall, we found the average cost of Lifetime insurance for a puppy was £110 per month, or £1,320 per year. Maximum Benefit plans cost 60% less, or roughly £44 per month. Time Limited plans came in a touch cheaper at £41 per month.

How Much is Bulldog Insurance?

Type of InsuranceAverage Premium per MonthAverage Premium per Year
Time Limited£41£492
Maximum Benefit£44£528
Lifetime£110£1320
Chart showing the average cost of French Bulldog and English Bulldog insurance
Lifetime pet insurance for a Bulldog costs more than 2X the cost of Maximum Benefit or Time Limited cover

Prices also vary depending on the type of Bulldog—English or French—as we discuss below.

How Much is French Bulldog Insurance?

According to our research, we found that it costs a French Bulldog puppy owner anywhere from £15 per month up to £240 per month to buy pet insurance. Pet insurance rates vary widely by type of insurance and across insurance companies, with the most expensive plans costing up to 10X as much as the cheapest plans. For example, the cheapest Lifetime cover was £29 versus the most expensive setting an owner back £306 monthly.

French Bulldog: Monthly Cost of Insurance

Type of InsuranceMinMaxAverage
Time Limited£15£99£42
Maximum Benefit£29£61£42
Lifetime£31£306£114
Chart showing the average cost of French Bulldog insurance
There's a wide range of prices available in the market to suit different budgets

How Much is English Bulldog Insurance?

The data for English Bulldogs showed that puppy owners would pay anywhere from £11 per month up to £246 per month for pet insurance, with prices ranging significantly depending on which type of cover you're considering. For instance, it costs 60% less to buy a Maximum Benefit plan than a Lifetime plan on average.

English Bulldog: Monthly Cost of Insurance

Type of InsuranceMinMaxAverage
Time Limited£11£74£40
Maximum Benefit£27£65£45
Lifetime£29£246£107
Chart showing the average cost of English Bulldog insurance
There's a wide range of prices available in the market to suit different budgets

How to Save Money on Bulldog Insurance

If you want to save money on Bulldog insurance, there are a few steps you can take to secure a lower premium.

Use a Comparison Site

Compare prices by checking a comparison site such as our trusted partner Compare Cover, in order to get quick access to prices from a wide array of pet insurers. Given that insuring a Bulldog costs more than average, and premiums can vary widely from provider to provider, it's a good idea to compare prices before committing to know if you're getting a good deal or not.

For example, our data for Lifetime cover for a French Bulldog showed a range of prices from £31 a month up all the way up to £306 per month. Clearly, you can save a lot of money if you know where to look. By checking our comparison site partner, Compare Cover, you may even be able to find a Lifetime plan that fits in your budget.

Consider Different Types of Insurance

Consider different types of pet insurance to lower your premium by up to 60% or more. For instance, Maximum Benefit plans cost on average £528 per year, less than half the average Lifetime insurance cost of £1,320 per year. Just keep in mind that you get less protection with a Max Benefit plan in the sense that once you've used up the pot of money for a given condition, you can't claim any more for that injury or illness. This may be a trade off worth making to save hundreds in premiums each year, depending on what you need.

With a per-condition limit but no time limit, Max Benefit plans provide the second-best type of vet health cover after Lifetime cover. There's no time limit for using your pot of money for each condition. Since Bulldogs are prone to health conditions that can be recurring or take longer to treat, having a plan without time limits is certainly preferable. If you decide that Lifetime cover costs more than you want to pay, then Max Benefit is typically the next best option and can save you around 60% in premiums.

Time Limited plans are the most restrictive as you can typically only claim for each condition for up to 12 months from the first sign or symptom. The 12-month time limit means recurring conditions or conditions taking a long time to treat won't be covered for the duration. The cheapest plans on the market tend to be time limited in nature, but keep in mind that saving money on premiums now may mean you pay more in vet fees later.

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.)

How Much Cover do You Really Need?

Opt for a lower vet limit to reduce your premium. For instance, all else equal, a plan with £4,000 of cover would cost less than a plan with £10,000 of cover. And few pet owners will get value back from a plan with a very high vet limit. While a lower limit means you have fewer funds at your disposal, at least you have some level of protection should the need arise.

Average Cost to Buy French and English Bulldog Puppies

Besides pet insurance, the other major cost of Bulldog ownership is the purchase price of your puppy. How much does it cost to buy a young French or English Bulldog? We've gathered hundreds of data points for Bulldog puppies for sale in the UK, and found that the average cost of a French Bulldog puppy was £1,340 and the average cost of an English Bulldog puppy was £1,900.

Puppies who've had a series of recommended health checks cost a bit more—£100 on average—but we think this extra cost is worth it to buy a puppy less likely to suffer from health problems later in life.

How Much are Bulldog Puppies?

FrenchEnglish
Average Puppy Cost£1,341£1,903
Cost of Health-Checked Puppies£1,449£2,019
Chart showing the average cost of French and English Bulldog puppies
Pay a bit more for a healthy puppy

Why are English Bulldogs more expensive than French Bulldogs? One reason English Bulldogs cost more than French Bulldogs is that 80% of English Bulldog births are performed via caesarian section due to their large heads. As a result, breeders need to factor in the cost of birthing by a qualified vet to make sure mum and pups are all safe, which contributes to the cost of the puppies. While the average cost of a scheduled dog C-section in the UK is around £800, the cost of a cesarean for litters born at night jumps up to around £1,450.

Methodology

In order to determine the average cost of pet insurance for French Bulldogs and English Bulldogs, we gathered dozens of sample quotes from 21 pet insurers that offer pet insurance for Bulldogs in the UK, for a healthy, 3-month-old puppy. You can 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.

We excluded a few outlying quotes that were 3X or more the average price, on the basis that it is not necessary to pay anywhere near that much. Including those quotes would have skewed the average cost analysis unnecessarily, causing the results to be an unrealistic representation of the market.

The set of insurers we used for this study consisted of:

For more information on "cheap" pet insurance, you might want to consider some of the cheap Lifetime pet insurance providers, which may offer relatively attractive prices for bulldog health insurance. We've also carried out a pricing analysis for insuring a Labrador Retriever, if you're interested to read about how the costs differ between these two popular breeds.

Compare Cheap Pet Insurance

Pet cover can help with vet bills. Protect your Bulldog today.

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