Pet Insurance for French Bulldogs

If you are looking to insure your French bulldog, you can compare a range of pet insurance quotes with Savvy today.

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, updated on August 25th, 2023       

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French bulldog

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Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget. 

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French bulldogs have won the hearts of many Australians with their amenable personalities and distinctive looks. However, they are also prone to a range of health issues. If you are a French bulldog owner, your dog’s health and well-being will be a priority. This is where pet insurance for French bulldogs can help, offering a financial safeguard to address potential health challenges.

If you are looking for a pet insurance plan for your French bulldog, you can compare options with Savvy. Our 100% free comparison service allows you to weigh up a range of offers from our panel of trusted insurers, helping you find a policy that suits your and your French bulldog’s needs. Get started with a free, no-obligation quote today.

What types of pet insurance are there for French bulldogs?

When considering pet insurance for your French bulldog, it's important to be aware of the types of coverage you can choose from and what these policies may provide. In Australia, there are generally three main types of insurance for dogs:

Accident-only cover

This type of policy concentrates on unforeseen accidents and injuries that your French Bulldog might encounter. It offers financial assistance in situations like fractures, cuts, accidental ingestion of foreign objects, and other unexpected incidents. Opting for accident-only coverage is a more cost-effective option, ideal for those who are primarily concerned about accidents their pet may suffer.

Accident and illness cover

This level of cover encompasses accidents but also a wide array of health issues. In addition to accidents, it can also cover costs associated with various illnesses, providing a more comprehensive safety net for your French Bulldog’s well-being.

Comprehensive cover

This insurance option offers extensive protection for your French Bulldog. It encompasses benefits for both accidents and illnesses and often includes the choice to add coverage for routine care, preventative treatments and even dental procedures. However, it's important to note that this comprehensive coverage usually comes with a higher premium.

Which cover to choose depends on your French bulldog’s age, health history and lifestyle, and your own preferences. Taking the time to carefully compare the details and benefits of each type of coverage will ensure that you select a policy that aligns perfectly with your French bulldog’s needs.

What might pet insurance for French bulldogs not cover?

While pet insurance can provide substantial support, it also has its limitations. Here are some scenarios and conditions that might not be covered by all insurance policies:

  • Pre-existing conditions: pet insurance typically doesn't cover pre-existing conditions, which are health issues that your French Bulldog had before getting the insurance policy.
  • Routine and preventative care: Basic wellness care, such as vaccinations, flea control and routine check-ups, might not be covered by all policies.
  • Breed-specific and hereditary conditions: while some policies cover breed-specific and hereditary conditions, others might exclude them, so it’s important to check the product disclosure statement to see which condition are or are not covered.
  • Behavioural problems: many policies might not cover treatments related to behavioural issues, such as training or therapy for anxiety or aggression.
  • Elective treatments: procedures that are not medically necessary, such as cosmetic surgeries or elective procedures, might be excluded from coverage.
  • Waiting periods: many policies have waiting periods before specific conditions are covered. This means that you might not be able to claim for certain conditions immediately after getting the insurance.

What are some common health issues my French bulldog might face?

French bulldogs, like many brachycephalic (short-snouted) breeds, are prone to a variety of health challenges due to their unique anatomical characteristics. Some common health issues that French bulldogs may face include:

  • Respiratory issues: one of the most prominent health challenges for French bulldogs is their compromised respiratory system. Their short snouts and flat faces result in narrow airways and elongated soft palates, leading to breathing difficulties. This condition is known as brachycephalic obstructive airway syndrome (BOAS), which can cause noisy breathing, snoring and laboured breathing, especially in hot or humid conditions.
  • Eye conditions: their large, prominent eyes make French bulldogs susceptible to various eye problems, including corneal ulcers, dry eye (keratoconjunctivitis sicca), and cherry eye (prolapse of the gland of the third eyelid).
  • Skin issues: wrinkles and skin folds, while characteristic and charming, can also lead to skin problems. Moisture can accumulate in these folds, creating a breeding ground for bacterial and fungal infections.
  • Orthopedic concerns: French bulldogs can experience orthopedic issues, including hip dysplasia and intervertebral disc disease (IVDD), which can result in back pain and mobility issues.   
  • Heart conditions: some French bulldogs may be at risk for congenital heart conditions, such as mitral valve disease, which can lead to heart murmurs and other cardiovascular problems.
  • Reproductive challenges: the breed’s compact build and head structure can result in difficulties during pregnancy and birth, often necessitating caesarean sections for delivery.

It’s important to note that not all French bulldogs will experience all of these health challenges, and individual dogs may vary in their susceptibility to different conditions. However, pet insurance that covers breed-specific health issues can help mitigate potential financial burdens associated with French bulldogs’ unique health challenges should they arise.

Depending on your pet insurance plan, your French bulldog may be covered or partially covered for these issues, though it is important to check your product disclosure statement (PDS) for clarification.

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Benefits of pet insurance for French bulldogs

Covers the cost of veterinary care

French bulldogs are susceptible to breed-specific health issues that can result in expensive treatments and surgeries. Pet insurance can help you afford these potentially hefty bills.

Peace of mind

Knowing that you have financial support in case of unexpected health issues can provide peace of mind. It allows you to focus on your French bulldog’s well-being without worrying about the costs.

Prepares you for the unpredictable

Just like humans, pets can face unexpected accidents and illnesses. Pet insurance can be especially beneficial in emergency situations by providing timely financial support.

Long-term cost management

While insurance premiums might seem like an extra expense, over the course of your French bulldog’s life, the cumulative veterinary expenses can far exceed the amount you pay in premiums.

Customised coverage

Some insurance policies allow you to tailor coverage to your pet’s needs. This means you can select a policy that aligns with your French bulldog’s potential health challenges.

Frequently asked questions about French bulldog pet insurance

When should I insure my French bulldog?

Many insurers will allow you to insure your pet dog from 6 weeks old. Enrolling your French bulldog in a pet insurance policy while they are still young and healthy can mean that potential health issues that may arise later in life are covered. Waiting until your pet develops health problems to take out insurance could result in those conditions being considered pre-existing and not covered by the insurance.

Will pet insurance cover all my French bulldog’s health issues?

While pet insurance is designed to provide financial assistance for a wide range of health issues, not all conditions may be covered. When selecting a policy, it’s crucial to carefully review the terms and coverage details as certain pre-existing conditions, breed-specific issues, elective treatments and wellness care might have specific limitations or exclusions.

Can I insure my older French bulldog?

Yes – you can insure your older French bulldog on some policies. However, it's important to note that enrolling a senior pet in insurance might come with higher premiums or limitations, while other providers may have age limits for new enrolments. Alternatively, insure your French bulldog when they are young, as this often results in more favourable rates and better coverage options.

Will pet insurance cover my French bulldog’s c-section?

No – most standard pet insurance policies exclude conditions relating to breeding and pregnancy, including caesarean sections.