How much does it cost to insure a French bulldog in the UK?
With their small size and adorable bat-like ears, it’s easy to see why so many people find French bulldogs irresistible.
We ran a number of quotes from a range of well-known pet insurance companies through our partner Confused.com. The results indicate that if you were to insure your French bulldog under a lifetime policy, then you’re looking at an average monthly premium of around £82 a month, or an annual premium of around £975. We ran these quotes using the following criteria:
Bought for £650
Vaccinations up to date
No pre-existing conditions
The cheapest quote we found was the Super policy from Animal Friends, which came in at £24.39 per month, or £292.68 annually. The most expensive was Asda Money with their Lifetime 10,000 policy – £170.70 per month, or £2,047.63 annually.
Remember that cheapest doesn’t mean best and you might miss out on important cover if you simply go for the cheapest option. Make sure to shop around and compare policies to find the one that works best for your four legged darling.
What type of insurance is best for a French bulldog?
In the realm of pet insurance, there are four main types of pet insurance policy.
Accident only insurance. As the name might suggest, an accident only policy offers payment for issues that are genuine accidental medical emergencies, rather than long-term conditions. This is often the cheapest standard insurance rate, but can leave you out of pocket if your pet develops a long term condition.
Time-limited insurance. A time limited policy pays out for a specific condition up to a time limit, most commonly a twelve-month period. After this time, the condition is likely to be excluded from cover, so this might not be suitable if your French bulldog suffers from longterm health issues.
Maximum benefit insurance. A Maximum benefit policy is similar to the time limitation cap, with the difference that the cap refers to an insured amount per condition, not a time period. When this limit is reached, the insurance policy stops paying out for the specific condition.
Lifetime insurance. The most comprehensive and expensive type of insurance available on the market, lifetime insurance does what it says on the tin. As French bulldogs are at risk of developing several types of health issues, this kind of policy might be the best option, as your Frenchie could be insured for every condition that it develops in later life. As long as the policy is renewed, cover for all your pet’s conditions could continue year after year.
Common health issues for a French bulldog
It may upset you to think about the health issues your French bulldog may be more prone to, but arming yourself with the knowledge now could help ease any unnecessary suffering later and allow you to access treatment faster. Common health problems that French bulldogs may be more susceptible to include:
Breathing difficulties. Due to the French bulldog’s distinctive flat-faced facial structure and folds, they are often plagued by severe respiratory problems. Narrower nostrils and an elongated soft palette can create louder snoring or wheezing, or difficulty in breathing. Many of these symptoms may require regular medical treatments.
Bone disorders. French bulldogs are prone to hip joints developing abnormally (hip dysplasia), which could result in arthritis. Their kneecaps can also slip out of place and require surgery before arthritis sets in. Spinal discs that protect and cushion backbones may also develop abnormally.
Eye issues. As well as inward turning eyelids (Entropion), which would require surgery, French bulldogs can also suffer from a condition where small eyelashes grow inward on the edge of their eyelid, which can rub and irritate the eyes.
Bladder stones. Irritation or inflammation in the bladder wall can cause stones in the urine. The treatment is typically surgery if these stones cause an obstruction.
Heat sensitivity. Heatstroke can be more common in French bulldogs as they struggle to lower their core temperature with panting, due to smaller airways.
Heart disease. French bulldogs are known to be at risk of heart disease and heart murmurs.
Allergies and skin conditions. Many food allergies can cause upset stomachs and diarrhoea. And environmental allergies from dust mites, grass or pollen can cause legions on paws, which can lead to infection if constantly scratched or bitten.
Average treatment costs for French bulldogs
Owning a French bulldog prone to regular medical treatment is expensive, and common and recurring illnesses are important to consider when selecting the right pet insurance plan. The best policy can limit the likelihood of having to shell out hundreds of pounds to cover the below treatment costs:
Average treatment cost
Fun facts about the French bulldog
The origins of the French bulldog can be traced back to the historical lace industry, as workers – often female – desired a smaller, compact breed of dog to use as a lap warmer and companion while they worked.
There was a French bulldog on board the Titanic when it sank in April 1912. Some survivors have noted that they saw a similar dog swimming in the sea in the aftermath of the sinking.
Celebrities including Hugh Jackman, Leornardo di Caprio and Victoria and David Beckham all own French bulldogs.
French Bulldogs can sometimes be confused with Boston terriers, another small breed. To tell them apart, look for the French bulldog’s short, chunky and muscular body, as well as those adorable “bat” ears.
French bulldogs do unfortunately suffer from increased respiratory problems, as a result of selective breeding. This, coupled with a range of other potential health conditions, makes them higher risk dogs to insure, which can increase insurance premiums.
French bulldogs usually live for about 9-12 years. The relatively short life span is due to the selective breeding techniques used to create and maintain this breed. As a result, Frenchies are prone to a long list of health issues, including respiratory distress, eye problems and ear infections. Cancer is, unfortunately, also a common disease amongst French bulldogs.
Yes, a French bulldog can cost over £1,000, with blue French bulldogs costing between £1,500 and £2,000 for a puppy.
This is due to the high costs involved in breeding French bulldogs, such as c-sections used to help them give birth (recommended because of their body shape). Frenchies are also rarer than a lot of other breeds, which ads to the high price (especially for the blue variety).
That said, all types of dogs unfortunately find themselves in shelters, and so it’s always worth looking around your local animal rescue centres and charities to see if one might be available.
One thing to consider is that French bulldogs are not only expensive to purchase, they can also be expensive to keep, as they are prone to a long list of health issues.
Yes and no. Their medium-fine coat means they don’t require much brushing and they’re unlikely to cover your home in shed fur.
However, French bulldogs are sensitive dogs, both physically and emotionally. They don’t do well in any extreme temperatures, and so you will have to monitor that they don’t overheat in summer or get too cold in winter. They can also be prone to nervousness and anxiety, and so might need a lot of reassuring cuddles (but that’s surely a good thing!).
Frenchies tend to be prone to a variety of health issues in their lifetime, and so might require frequent trips to the vets and an added expense for treatment and medications.
Ronny Lavie is a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University and is currently working on her first book.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.