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Bulldog pet insurance costs start from a low of around £40 a month or £480 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?
- How Much is Pet Insurance for English Bulldogs?
- How Much is Pet Insurance for French Bulldogs?
- The Cost of Bulldog Insurance for Older Pets
- How to Save Money on Bulldog Insurance
How Much is English Bulldog Insurance?
Dog insurance for English Bulldogs costs around £65 a month on average, for a Lifetime policy with £2,000 to £5,000 of vet cover. This price reflects the average premium you'd need to pay for cheap pet insurance from the time your Bulldog is a young puppy through 7 years of age (prices increase with age). Max Benefit plans are a touch cheaper—but that cover is less robust as it doesn't renew each year. As Bulldogs are prone to recurring health conditions, Lifetime cover is considered to be the best type of pet insurance for a Bulldog.
|Cost of English Bulldog Insurance per month|
|12 Month Time Limited||£44.1|
|Max Benefit per Condition||£63.4|
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.
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|
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.
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 the time your Bulldog is 5 years of age the insurance premium could be 50% higher compared to the premium you paid when your dog was young.
|Monthly Cost of Lifetime Pet Insurance for Bulldogs by Age||French Bulldog||English Bulldog|
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.
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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