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Updated October 29, 2026
The short answer
English bulldog insurance cost $36 to $128 a month in our Idaho test for an accident-and-illness plan with a $5,000 annual limit. A 1-year-old bulldog was quoted $35.84 by Fetch and $75.04 by Embrace. At age 7, the quotes rose to $94.04 and $127.57.
Bulldogs are among the most expensive dogs to insure because they have so many breed-related health problems. That is also why coverage tends to pay off for them. Use our premium calculator to compare limits and deductibles.
Real quotes for Nampa, Idaho
| Sample dog | Embrace | Fetch |
|---|---|---|
| English bulldog, 1 year | $75.04 | $35.84 |
| English bulldog, 7 years | $127.57 | $94.04 |
| For comparison: French bulldog, 1 year | $75.04 | $37.09 |
What the quotes show:
- Fetch was much cheaper for a young bulldog, by 52% at age 1. By age 7 the gap narrowed to 26%.
- Fetch’s price rose 162% between ages 1 and 7, compared with 70% for Embrace.
- English and French bulldogs cost about the same to insure. Embrace quoted both at $75.04 at age 1.
Common English bulldog health problems
A Royal Veterinary College study of 2,662 English bulldogs found they were more than twice as likely as other dogs to have at least one health problem in a year. They had much higher odds of these conditions:
| Condition | Odds compared with other dogs |
|---|---|
| Skin fold dermatitis | 38 times higher |
| Cherry eye | 27 times higher |
| Breathing problems (BOAS) | 19 times higher |
| Dry eye | 12 times higher |
| Inward-rolling eyelids (entropion) | 12 times higher |
Embrace’s quote page also lists knee ligament tears (typical cost to treat $6,545), seizures ($2,815) and allergic skin disease ($1,295) as the breed’s main risks.
How to choose a plan
- Check for breed exclusions. Make sure the policy covers breathing surgery, eye surgery and skin conditions. Some insurers limit coverage for conditions linked to a breed’s build.
- Enroll as a puppy. Skin, eye and breathing problems often start early, and anything a vet records before you buy will likely be excluded.
- Lower the price with the deductible, not the limit. On Embrace, a $1,000 deductible would cut the 1-year-old’s price to about $44 a month.
Get real quotes
Prices depend on your dog’s age and your ZIP code. Get quotes from both insurers with the same limit, deductible and reimbursement rate.
Related guides: dog insurance cost, Embrace vs Fetch, is pet insurance worth it? and breed guides for the Labrador, golden retriever, French bulldog, German shepherd, dachshund, goldendoodle, English bulldog, Rottweiler and Australian shepherd.
Sources
- Our own quotes from Embrace and Fetch, October 29, 2026, ZIP 83651. Embrace’s quote page also lists common conditions and treatment costs for each dog breed.
- Royal Veterinary College: English bulldogs twice as likely to have a health problem