French bulldog insurance
Thinking about insurance for your French Bulldog? The good news is that every US insurer we compare will insure French Bulldogs, and none of them excludes the breed. What's most useful to know is which health problems French Bulldogs claim for most often, so you can check a policy covers them well. Here they are by life stage, with what each one typically costs to treat in a year, along with how long French Bulldogs usually live.
What health problems do French Bulldogs have?
These are the conditions most often claimed for French Bulldogs at each stage of life, from Trupanion's claims data, with the typical cost of treatment in a year. "Likely" compares French Bulldogs with the average dog in Trupanion's data. Each bar shows the cost range on the same scale, so you can see which problems cost most.
As a puppy
- Brachycephalic airway syndromebreathing problems in flat-faced dogs$2,000 to $2,600 a yearOver 10 times as likely as the average dog
- Narrow nostrils (stenotic nares)$500 to $700 a yearOver 10 times as likely as the average dog
- Allergies$200 to $400 a yearTwice as likely as the average dogNationwide's 2025 claims: 80% of skin allergies claims cost up to $286 in the first 30 days and $891 in the first year.
As an adult
- Intervertebral disc disease (IVDD)a slipped or damaged disc in the spine$800 to $3,700 a year6 times as likely as the average dog
- Seizures$700 to $2,300 a year80% more likely than the average dogNationwide's 2025 claims: 80% of seizures claims cost up to $783 in the first 30 days and $1,477 in the first year.
- Corneal ulcera sore on the surface of the eye$200 a year5.5 times as likely as the average dog
As a senior
- Seizures$400 to $700 a year3.5 times as likely as the average dogNationwide's 2025 claims: 80% of seizures claims cost up to $783 in the first 30 days and $1,477 in the first year.
- Mast cell tumoura common skin cancer in dogs$1,100 to $1,700 a year80% more likely than the average dogDoes pet insurance cover cancer?
- Ear infection (otitis)$100 a year60% more likely than the average dogNationwide's 2025 claims: 80% of otitis externa claims cost up to $312 in the first 30 days.
Source: Trupanion, Commonly Claimed Conditions (US claims data, June 2019); Nationwide's most common claims of 2025. Costs are Trupanion's average yearly cost of treatment, in US dollars.
What to check in a policy for a French Bulldog
Some of the conditions above have their own rules in pet insurance policies, such as longer waiting periods or exclusions if signs show early on. These guides show how each insurer handles them.
How do insurers cover IVDD?
Intervertebral disc disease (IVDD) is one of the costliest problems French Bulldogs claim for, and some policies have their own rules for it. These are the insurers whose policies mention it, so check them carefully, especially if your French Bulldog has ever had back trouble.
- TrupanionNot covered if there was any sign of disc disease anywhere in the spine before you enrolled, or in the first 30 days.
- EmbraceIf your dog shows signs of IVDD before joining or in the first 180 days, it is never covered, in any part of the spine.
- FigoTreated as an orthopedic condition, with a 6-month waiting period for dogs that a vet can waive with an orthopedic exam and waiver form.
- Pets BestDisc conditions are always treated as an illness, never as an accident or injury.
Which insurers cover French Bulldogs?
All of these US insurers will insure a French Bulldog. Click a name to see what that policy covers.
Your questions answered
Can you get insurance for a French Bulldog?
Yes. All 9 US insurers we compare will insure a French Bulldog, and none of their policies excludes the breed.
How long do French Bulldogs live?
The American Kennel Club gives a life expectancy of 10 to 12 years for the French Bulldog. It's worth choosing cover that stays with your dog for life, because the conditions French Bulldogs claim for most tend to change as they get older.
Is French bulldog insurance more expensive?
We don't list prices, because they depend on your dog and where you live. Insurers do price by breed: Figo, for example, says premiums are based on the species or breed of your pet. The best way to compare is to get quotes and check how each policy covers the conditions French Bulldogs are most likely to need.
What health problems are French Bulldogs prone to?
In Trupanion's US claims data, the costliest conditions claimed for French Bulldogs include intervertebral disc disease, brachycephalic airway syndrome and seizures. The full list by life stage is above.
Health data from Trupanion's US claims (June 2019) and Nationwide's 2025 claims; lifespan from the American Kennel Club; which insurers cover the breed from each insurer's own documents and exclusion lists, read in October 2026. Check the policy before you buy.
More guides to dog insurance: Pet insurance for senior dogs · Puppy insurance · Multi-pet insurance · Dog insurance by breed · Pet insurance that covers pre-existing conditions · Does pet insurance cover dental? · What does dog insurance cover? · Pet insurance waiting period · Pet insurance deductible · Does pet insurance cover hip dysplasia? · Does pet insurance cover cancer? · Does pet insurance cover surgery? · Does homeowners insurance cover dog bites? · Costco dog insurance · PetSmart dog insurance · USAA dog insurance · State Farm dog insurance · Geico dog insurance · Trupanion vs Pets Best · Healthy Paws vs Trupanion