Best Budget Pet Insurance for French Bulldogs (2026)
French Bulldogs are one of the most expensive breeds to insure, with monthly premiums often running $80-$150+ for comprehensive coverage. But expensive doesn't always mean better. Several providers offer strong coverage for breed-specific conditions like BOAS, hip dysplasia, and allergies at significantly lower price points. The key is knowing which corners you can safely cut — and which you absolutely cannot.
Why This Matters
Skipping insurance entirely is the most expensive option of all. A single BOAS surgery costs $3,000-$6,000, hip replacement runs $4,000-$7,000 per hip, and chronic allergy management adds $1,000-$3,000 every year. Even a budget plan with a higher deductible and lower reimbursement rate will save you thousands compared to paying out of pocket. The goal is finding the lowest premium that still covers the conditions Frenchies actually get.
Our Top Picks
Lemonade consistently offers the lowest premiums for French Bulldogs while still covering hereditary and congenital conditions including BOAS and hip dysplasia. Their AI-powered claims process pays out quickly, and the base plan includes everything most Frenchie owners need.
- Lowest average premiums for French Bulldogs
- Hereditary and congenital conditions covered on all plans
- Fast AI-powered claims processing
- Customizable deductible and reimbursement to lower premiums further
Pets Best strikes the best balance between affordable premiums and comprehensive coverage. Their plans cover breed-specific conditions, offer flexible deductible options, and include optional wellness add-ons at reasonable prices.
- Competitive premiums with strong breed-specific coverage
- Flexible deductible options ($50-$1,000) to control costs
- Optional wellness plans for routine care
- No annual coverage limits on top-tier plans
ASPCA combines affordable accident and illness coverage with wellness add-ons that cover routine Frenchie care like allergy management, dental cleanings, and preventive exams — expenses that add up fast with this breed.
- Affordable base plans with optional wellness coverage
- Unlimited annual coverage available
- Available in all 50 states
- 10% multi-pet discount
Embrace rewards healthy years by reducing your deductible by $50 each claim-free year. For Frenchie owners who insure early, the deductible can shrink significantly before major breed-specific issues arise — saving money when you need coverage most.
- Diminishing deductible saves money over time
- Strong hereditary condition coverage
- Wellness Rewards plan for routine care
- Flexible reimbursement up to 90%
Buying Guide
When shopping for budget French Bulldog insurance, focus on these factors in order of importance: First, confirm that hereditary and congenital conditions are covered — this is non-negotiable for Frenchies. Any plan that excludes breed-specific conditions is worthless regardless of price. Second, check the waiting periods for illness and orthopedic conditions. Shorter waiting periods mean faster protection. Third, consider adjusting your deductible upward ($500-$1,000) and reimbursement downward (70% instead of 90%) to lower premiums. You'll pay more out of pocket per claim, but your monthly costs stay manageable. Fourth, skip wellness add-ons unless you'll actually use enough services to break even — for many owners, paying for routine care out of pocket is cheaper than the wellness plan premium. Finally, get quotes from at least three providers. Premiums vary significantly by provider, location, and your dog's age, so comparing quotes is the single best way to find the lowest price for the coverage you need.
Frequently Asked Questions
Lemonade consistently offers the lowest premiums for French Bulldogs, often 20-30% less than competitors for comparable coverage. However, the cheapest option depends on your dog's age, location, and the specific deductible and reimbursement levels you choose. Getting quotes from Lemonade, Pets Best, and ASPCA will help you find the lowest price for your situation.
Absolutely. Even a basic accident and illness plan with a higher deductible will save you thousands if your Frenchie needs BOAS surgery ($3,000-$6,000), hip dysplasia treatment ($4,000-$7,000), or IVDD surgery ($3,000-$8,000). The key is ensuring the plan covers hereditary and congenital conditions — which all providers on this list do.
Choose a higher annual deductible ($500-$1,000 instead of $200-$250), lower your reimbursement rate (70% instead of 90%), skip wellness add-ons unless you'll use them heavily, enroll your dog as a puppy when premiums are lowest, and compare quotes from multiple providers. These adjustments can reduce premiums by 30-50% while still maintaining essential coverage.
Yes. All reputable pet insurance providers — including budget-friendly options like Lemonade and Pets Best — cover hereditary and congenital conditions including BOAS and hip dysplasia as long as they are not pre-existing. The coverage itself is the same; you're primarily saving money through higher deductibles and lower reimbursement rates.
Always get accident and illness coverage for a French Bulldog. Accident-only plans are cheaper but exclude the breed-specific conditions (BOAS, hip dysplasia, allergies, IVDD) that are most likely to result in expensive treatment. For Frenchies, accident-only insurance misses the primary reason to have coverage in the first place.