If you’re the proud owner of a French bulldog, chances are you care and about it constantly. The Frenchie is an adorable dog with his small built and distinctive bat ears. Being an adaptable dog, they are found in many different households and environment. Even though it looks tough on the outside, you cannot help falling in love with it once you come to know how sweet it actually is. The French bulldog is a popular dog choice even for households in cities. Coming in a variety of colors, it meets the preferences of many. Not to mention that it doesn’t require much exercise and can fit comfortably into any environment. It also has a short, easy to care for coat. The Frenchie is known for being charming and loving and is a good pet for children as well.
French Bulldogs have a long history of being a companion dog. They were created as a miniature bulldog. From there he accompanied his English owners to France.
Now knowing and loving all these characteristics of a Frenchie, any owner will want to protect their pet in every way they can. Just as any other breeds have potentials for developing genetic health problems, the French bulldog too is prone to certain problems. These lovely dogs can be prone to a brachycephalic airway syndrome. This is common among dogs with compressed tissues and facial bones. This obstructs breathing since they have narrowed nasal cavities, laryngeal collapse, elongated soft palate and other related problems. Such structural defects may not be visible but can be heard when the dog is put through minimal exercise. Thus, they cannot be put through excessive exercise or heat. There are instances when they may even need surgery to improve breathing and airflow.
French Bulldog Potential Health Problems
Frenchies are also prone to spinal malformations and a condition of the spine known as intervertebral disc disease. They are also found to face reproductive problems. Eye problems are also seen such as cataracts. Intestinal malabsorption disease is also common. Now, the problem is that these problems cannot be detected in a small puppy. It is not possible to predict such maladies in the puppy.
Hip dysplasia is another heritable condition faced by the frenchie. This is where femur does not fit into the pelvic socket of the joint of the hip. They can exhibit lameness or exhibit pain on either rear legs. With an ageing dog, arthritis can develop.
Allergies are also another problem of frenchies. Food-based, contact, and inhalant allergies are the main types of allergies. It should be noted that inhalant allergies are accompanied ear infections. It causes eczema on its body.
Hemi vertebrae is a malformation of the vertebrae causing it to be shaped like a triangle or wedge. Because of this it applies pressure onto the spinal cord. This leads to paralysis, weakness or pain. Von Willebrand’s Disease is a blood disorder, found in both dogs and humans. This is a clotting disease which affects bleeding gums, nosebleeds, prolonged bleeding from surgery and heat cycles.
Cleft Palate disease
Cleft Palate disease is a slit running unilaterally or bilaterally ranging in sizes from a large slit to small hole. Puppies is either born or developed with cleft palates. Elongated soft palate is when the extension of the mouth roof. This causes obstruction of airways and difficulty in breathing.
Patellar Luxation is a common problem for small dogs and can happen in both bones. The thigh bone, kneecap and tibia is not lined up properly which can slip in and out. Intervertebral Disc Disease happens when a disc of the spine herniated or ruptures and pushes into the spinal cord. The dog feels pain when the disc ruptures, and can lead to weakness or permanent or temporary paralysis.
Cherry eye is an inverted third eyelid. Frenchies have tendencies for eye issues. Juvenile cataracts, corneal ulcers, retinal fold dysplasia, and glaucoma are conditions, which afflict them.
French Bulldogs are quite sensitive to heat. They are adaptable but they cannot be left outdoors or at home on hot days without air conditioning. They are even sensitive to cold weather. Another common health problem is obesity. If they are not an appropriate weight, their health is severely hindered.
Knowing all these health problems that afflict French Bulldogs, you must now be wondering what is the best way to take care of them. Pet insurance is a must for any dog owner these days, especially for such a rare and precious breed like a Frenchie.
Why To Choose Pet Insurance?
What pet insurance means is that it pays, in total or partly, for treatment at the veterinarian of the insured injured or ill pet. There are some policies, which can be paid out when the pet is stolen or lost, or when the pet dies. There is an ever-increasing rate of expenses being incurred at the veterinarian, which employs expensive drugs and medical techniques. Moreover, dog owners also have higher conceptions of health care for their pets and their standard of living than ever seen before. Thus, there has arisen a need for pet insurance.
Pet insurance protects the owner against paying exorbitant medical fees or even worse, putting your dog down because you cannot afford surgery. Thus, having a surprise accident or illness hit your dog, can be remedied by having an insurance plan in place. There are many pet health insurances available now offering different deals and they should be read properly before buying.
179 million pets in the region of North America incur $58.5 billion in spending annually. Veterinary care ranks third highest in expenditure, costing owners around $15.25 billion in a year. Such are the rising costs that there has arisen this need for pet insurance. Lassie, the famed dog, was the first to receive insurance in 1982 and brought the concept of pet insurance to the forefront.
Every owner knows that each year your pets are to be taken to the vet for their annual checkups. Also, every month they should get their tick, flea and heartworm medication. These are to be expected. But, these charges alone add up. Along with this, unexpected things such as finding diseases in your dog can be costly. This is what pet insurance is for.
Choosing Best Insurance For Your French Bulldog
The thing is there are substantial differences in all these companies. These impact the claims coverage and reimbursements from veterinary visits and costs. It is important to choose a plan for financial protection when it really matters. However, all pet insurances have some basic features in common, they are:
- Choose a deductible: per year or per incident
- Select a co-pay percentage or reimbursement level
- Paying for coverage on monthly basis
- Seek treatment at a veterinarian of your choosing which is licensed
- The vet is paid first, then the person gets reimbursed for the treatment covered by the insurance company by submitting a claim.
Health Insurance Comparison
Here are comparison table of Best insurance companies for your beloved French bulldog:
|Winner||Insurance Company||User reviews||Costs||Accept. by Vets||Overall Benefits||Total||Visit|
- Customers ratings are very tight
- PetPlan wins in totals
- PetPlan has affordable prices, accepted by licenced veterinarians and lot of benefits included
- PetPlan has very close score to Trupanion and Healthy Paws
Now that we have gone through the Best rated pet insurance companies and basics of what pet insurance is, let us go into the each company detailed offerings for French Bulldogs.
Petplan is an insurance policy, which is administered by Fetch Insurance Services. Pet plan is consistently recognized as a top pet insurance provider, and is recommended by many pet owners, veterinarians and pet breeders worldwide. Petplan offers coverage for hereditary, congenital, and chronic conditions as standard. They provide coverage for reimbursement of veterinary fees due to accident, injury or illness, including chronic and hereditary conditions.
Coverage under a Petplan policy includes:
- Laboratory and diagnostic testing
- Surgery which includes hip and CCL techniques
- Prescription medications for life
- Non-routine dental treatment covering tooth extraction and root canal therapy
- Referral and specialist treatment
- Imaging – MRI and CAT scans
- Rehabilitation– any rehab at any clinic
- Alternative therapies
Once the pet is enrolled, the policy becomes effective at 12:01 a.m. the following day. There is a 15-day waiting period for illnesses and injuries. If the pet fall ill or suffer an injury, any licensed veterinarian can be used for treatment, then the invoice can be submitted from any device!
The claims team is composed of veterinary professionals who process the paperwork, assess the claim and pay back up to 90% of total bill. It covers the complete sick visit, exam fees included which will save up to $50-$250 per visit.
It has full mouth dental coverage and covers dental injury and disease to all teeth, with no broad condition exclusions. There are no age limits. Petplan accepts pets of all ages and insures them for life.
What else is included?
Imaging deemed medically necessary by a licensed veterinarian to help diagnose or treat your pet, including MRI, CAT scan and ultrasound, are covered. Laboratory and diagnostic testing, including specialized chemistry and blood work, are covered if they are part of treating or diagnosing a coverable injury or illness. Medications prescribed by your veterinarian as a treatment for an injury, illness, or behavioral disorder is covered in the quantity of ninety (90) days or less. Vitamins and heartworm/flea and tick preventives are not covered.
Alternative healthcare including acupuncture, homeotherapy, stem cell therapy, chiropractic treatment and are covered. All specialties including surgery, cardiology, oncology, ophthalmology, dentistry, dermatology, and neurology are covered by Petplan.
The plan does not cover wellness and routine care. As with all pet health insurance policies, pre-existing conditions are not covered.
TRUPANION Pet Insurance
The Trupanion is an insurance company for all your pet needs. The team has been caring for pet owners for more than a decade. They offer fair, simple and affordable insurance for pets. They understand your love for the pets and know that owners want to associate with companies, which also have similar values. Darryl Rawlings founded it with the mission to help pets with the best veterinary care. Thus, the company policy was formulated in partnership with many veterinarians to make sure that veterinarians and pet owners can together make the right decisions for the pet’s health. The owner can thus be focused on the recovery of the pet and not the finances. The company not only believes in the bond, they live the value every day. Their offices are completely pet friendly and surrounded by pets who inspire them.
They are rated excellent based on over 1000 reviews on TrustPilot. Their fastest ever claim paid is 11 seconds. They paid out $173 million claims in 2018. 98% of their members stay with them each month. 100% of veterinarians take their insurance.
TRUPANION Insurance includes:
- Having the vet paid directly when possible so you are not waiting long for the reimbursement checks.
- A plan that can provide quality coverage whenever your pet needs it the most.
- Claims are paid based on actual costs of veterinary care, not according to what the company thinks treatment should cost.
- It is a condition based, lifetime deductible that requires you to only pay once per issue and all its complications.
- Covers 90% of veterinary costs for all the eligible claims once the deductible is met.
- 24/7 support available from their award-winning customer care.
- Never worry for canceled policies or increasing rates just for filing claims.
- Can pay the hospital directly
- Has no financial limits
- Covers approved surgeries, diagnostic tests, medications, & hospital stays
- Covers dietary supplements
- Pays customer based on the actual veterinary bill
- Freedom to use any veterinarian at any hospital
- Allows customers to choose their own deductible amount
Trupanion covers the following and more:
- Elbow and hip dysplasia
- Liver disease
- Heart disease
- Upper respiratory infections
- Thyroid disease
- Change in weight
- Nervous system issues
All illnesses and injuries, such as:
- Upper respiratory infections
- Bite wounds
- Foreign body ingestion
- Urinary obstructions
- Patella luxation
- Kidney disease
HEALTHY PAWS Insurance
Healthy Paws Pet Insurance & Foundation was set up in 2009 and has been helping parents give their pets the best medical care. From cancer treatments to ACL surgeries, their claim reimbursements have been helping many pets have a better life. They were the first ever creators of an iPhone app to remove requirements of claim forms. Managing policy became easier, also adding new pets and changing policy options. The company has a partnership with Aon Corporation, world’s largest global insurance broker with over $30 billion in assets. In addition, the Chubb Group underwrites their pet insurance plan, an A+ rated insurer.
Healthy Paws was #1 customer rated in 2017, 2018 & 2019. They have no caps on lifetime or annual payouts. Within 2 days, 99% of claims are processed. The best part is you can use any licensed vet as required.
With Healthy Paws, the owner can visit any licensed veterinarian. They even cover alternative care. After insuring your dog, there is a short 15-day waiting period for illnesses and accidents, and for hip dysplasia is 12 months.
There is no more claim forms, they have created the fastest and easiest claim process for our customers. A photo of your vet bill can be submitted through the app or online on the Healthy Paws Customer Center.
Claims are processed quickly and 99% of claims are processed in two days. Reimbursements sent via mail or direct deposit. Pre-authorization can be done for very expensive treatments with the veterinarian hospital to reduce the upfront burden.
Healthy Paws cover the following:
- Congenital Conditions
- Hereditary Conditions
- Chronic Conditions
- X-Rays, Blood Tests, Ultrasounds
- Diagnostic Treatment
- Emergency Care
- Prescription Medications
- Alternative Treatment
- Specialty Care
Pets Best was formed by Dr. Jack Stevens in 2005, now considered the father of the pet insurance industry in North America. Being a practicing veterinarian, he has experience in the field. They strive to give all pet owners peace of mind. They do this by taking out the financial worries of owning a pet, so that the owners make the best decisions for the dog.
Since their founding, they have paid out over $200 million in claims and typically pay claims in 5 days or less. Also claims can be submitted online. Pre-Authorization can also be done. Optional Vet Direct Pay is available and also Free Direct Deposit.
They have a wide range of affordable pet insurance plans makes it easy to find the right coverage at the right price. Unlimited Annual Plans and Routine Care Coverage are the features. Exam Fee Coverage is the norm and there is no upper age limits.
Personalized Services such as Phone, Text, Chat Support and 24/7 Pet Helpline.
They strive for transparency in what their insurance policies cover. Their plans offer most comprehensive coverage available, but like every pet insurance companies, they do not cover pre-existing conditions.
Comparing Pets Best to other pet insurance companies, it can be seen that they:
- Support 5 days claim processing.
- No Upper Age Limits on Accident & Illness Plans
- Optional Vet Direct Pay
- Unlimited Annual or Lifetime Benefit Plan
- One Annual Deductible
- Routine Care Coverage
- Optional Accident and Illness
- Exam Fee Coverage
- 24/7 Pet Helpline
Pets best covers the following:
Provisions are given for poisoning, broken bones, car accidents, foreign object ingestion, lacerations needing surgery. Accidents that happen while hunting or in the line of service are also included.
This provides for diabetes, cancer, arthritis, epilepsy, ligament injuries, urinary tract infections, allergies and skin and ear infections.
- Congenital and hereditary conditions
These are epilepsy, hip and elbow dysplasia, cherry eye, luxating patella, glaucoma and wobbler syndrome.
- Emergency care, hospitalization, surgery
See any licensed veterinarian, including emergency centers and specialists. Surgeries include operations to remove foreign bodies like swallowed socks, surgeries for mass removals, and more.
- Prescription medications
Most plans cover prescription medications.
- Ongoing & chronic conditions
When your policy renews, they don’t consider previously covered conditions to be pre-existing.
MRIs, blood work, pathology reports, CAT scans, and X-rays.
- Older Pets
There is no upper age limits for pets and don’t reduce or cancel coverage based on your pet’s age.
- Full coverage even when not sprayed
- Behavioral conditions
They cover behavioral consults with, and/or medication prescribed by, a licensed veterinarian.
- Dental coverage
Proper dental care is vitally important to the overall health of your pet.
- Prosthetic devices and wheelchairs
When prescribed or provided by a licensed veterinarian to treat a covered accident or illness
Plans cover euthanasia for humane reasons.
Embrace provides a comprehensive plan to insure the dog against any kind of accidents and illnesses. Choosing between deductible, annual maximum, and reimbursement rate is an easy process. A good pet insurance policy allows selection of treatment plans that will work for your pets.
The policy excludes pre-existing conditions, as is the norm. But, no matter an owner personalize their policy; every pet will be covered in the following ways:
- Behavioral therapy
- All illnesses & injuries
- Dental illness
- Specialist care
- Congenital Conditions
- Vet-exam fees
- Prosthetic limbs, devices, & mobility aids
- Breed-specific conditions
- Surgery, hospitalization, & nursing care
- Cancer treatment
- Chronic conditions
- Prescription drugs
- Diagnostic testing & imaging
- Alternative therapies
Waiting periods are a requirement for any new pets signed up. Accidents require 48 hours and illnesses require 14 days waiting period.
For the policy to begin, the pet being insured must have had a vet visitation in the last 12 months. The waiting period can be used to take the pet to the vet without losing coverage.
Embrace offers Healthy Pet Deductible, by which $50 goes down in a year as the pet’s deductible. The owner won’t receive claim reimbursements. But it is included within the policy itself.
Wellness Rewards reimburses day-to-day veterinary, grooming and training costs. It is not under the insurance, but it is a tool for budgeting and rewards the owners for taking care of their pets proactively.
Now that we have gone through all the basics of pet insurance and the pet companies for pet insurance, you just have to choose the right plan for your beloved Frenchie. We advice you to choose best rated Trupanion. Having the right plan which suits the French Bulldog and its specific needs will help it live a long and happy life.