Dog insurance, compared by breed
What will insuring your dog actually cost?
Breed, age and ZIP. Modeled estimates from 8 insurers, and which plans cover what your breed actually claims for.
Example: 2-year-old French Bulldog, national average, 80% / $250
Insurers for a French Bulldog
Odie
Lowest est.$60/mo est.Plan details for Odie- $63/mo est.Plan details for Lemonade
- $65/mo est.Plan details for Pets Best
- $68/mo est.Plan details for Embrace
- $69/mo est.Plan details for Spot
Every breed has its own story
What French Bulldog owners claim for
- Brachycephalic airway syndromevery commonBreathing obstruction in flat-faced breeds; surgery to widen nostrils and shorten the soft palate.$300–$5,000
- Allergic skin diseasevery commonChronic itching and infections managed with medication, diet and periodic vet visits.$300–$1,500
- Intervertebral disc disease (IVDD)commonSpinal disc herniation, common in long-backed breeds; may require emergency neurosurgery.$2,000–$12,000
- Eye conditions (cataracts, PRA, cherry eye)commonHereditary eye problems; cataract surgery is the expensive end.$300–$6,700
- Patellar luxationcommonDislocating kneecap, common in small breeds; surgical correction in moderate to severe cases.$1,500–$3,000
What a French Bulldog costs to insure by age
Insured as a puppy, a French Bulldog costs about 44% less per month than one enrolled at 8 (modeled). Conditions diagnosed before enrollment are excluded as pre-existing.
Low, typical and high estimates by age
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $48/mo est. | $61/mo est. | $80/mo est. |
| 2 years | $53/mo est. | $68/mo est. | $88/mo est. |
| 5 years | $64/mo est. | $82/mo est. | $106/mo est. |
| 8 years | $85/mo est. | $109/mo est. | $141/mo est. |
| 11 years | $117/mo est. | $150/mo est. | $194/mo est. |
Most searched breeds
French Bulldog insurance by state
New study: the most and least expensive dog breeds to insure in 2026 →
How this works
Pick your breed
Every breed has its own risk profile. A Dachshund and a Labrador do not pay the same, and they should not buy the same policy.
See the estimated cost
We publish modeled premium ranges by breed, age and state, plus the vet bills the breed is known for.
Compare insurers
Waiting periods, hereditary coverage, exam fees and limits. Then ask the insurer you like for a real quote.