Pet insurance cost by breed / Dogs
Published premiums · checked October 20, 2026
How much is pet insurance for an English Bulldog?
Pawlicy Advisor's 2026 customer quotes put the English Bulldog at a median $78.58 a month, with the middle half of quotes between $55.01 and $106.56. That is 13% above NAPHIA's 2025 average for every insured dog ($69.67 a month for accident and illness cover).
- 1Pawlicy median $78.58/mo
- 2Middle half of quotes $55–$107
- 3NAPHIA 2025, all dogs $69.67/mo
- 4Rank of 82 dogs 14th priciest
Every published English Bulldog figure
Each source measures something different, so the figures sit side by side and are never averaged together. 3 published monthly figures run from $78 (Forbes Advisor, $5,000 limit) to $101 (Forbes Advisor, unlimited).
| Source | What it measures | Monthly | Dated |
|---|---|---|---|
| Pawlicy Advisor | Median of customer quotes; middle half $55.01–$106.56 | $78.58 | October 15, 2026 |
| Forbes Advisor | age 3, $250 deductible, 80% | $78 at a $5,000 limit; $101 unlimited | October 1, 2026 |
| NAPHIA | Average for all insured dogs, accident and illness, 2025 | $69.67 | June 21, 2026 |
Where the English Bulldog sits among 82 dog breeds
Ranked by Pawlicy's median, the English Bulldog is the 14th most expensive of the 82 dog breeds and types Pawlicy lists. Its median is 33% more than the middle dog breed on that list ($59.27) and 72% more than Pawlicy's mixed-breed dog ($45.70).
The spread inside the breed matters as much as the median. A quarter of English Bulldog quotes came in under $55.01 and a quarter over $106.56; the middle half spans 66% of the median. The range sits fairly evenly around the median ($24 below, $28 above). Pawlicy does not say which ages, deductibles or limits sit at each end.
Health problems that drive English Bulldog claims
The American College of Veterinary Surgeons names the English Bulldog among the breeds predisposed to 1 condition covered here:
- Brachycephalic syndrome: no insurer-published average cost was found.
Hereditary conditions matter for buying decisions because the NAIC Pet Insurance Model Act (Section 4A) requires insurers to disclose any exclusion for pre-existing, hereditary, congenital or chronic conditions before a policy is sold. The English Bulldog health problems page sets out each condition, its treatments and the costs.
Premiums against a real vet bill
Insurers' own claim data gives a sense of scale. For swallowing a foreign object, a common accident in any breed, Trupanion publishes an average claim of $2,964. At $78.58 a month that bill equals 37.7 months of premiums.
Worked through a policy with a $250 deductible and 80% reimbursement (the terms Forbes Advisor priced): the policy pays ($2,964 − $250) × 80% = $2,171, leaving $793 for the owner. Add a year of premiums ($943) and the insured year costs $1,736 against $2,964 without cover, $1,228 less. *The break-even bill, where both cost the same, is $250 + $943 ÷ 80% = $1,429 in a policy year; a year with smaller bills costs more insured. The calculator reruns this with other terms, and is pet insurance worth it? shows the method.
Age moves the price more than breed
These all-breed figures cannot be applied to the English Bulldog figure above, but they show the direction. Forbes Advisor's average for a dog at a $5,000 limit runs from $43 at 3 months to $74 at 7 years (72% more). Insurify's medians climb from $46 for an adult dog to $116 for a senior, 152% more. NAPHIA's average dog premium rose 34% from 2021 to 2025. See pet insurance cost by age.
Similar dog premiums
- Rottweiler: $78.05 a month (Pawlicy Advisor)
- Olde English Bulldog: $79.28 a month (Pawlicy Advisor)
- American Pit Bull Terrier: $79.68 a month (Pawlicy Advisor)
- French Bulldog: $77.47 a month (Pawlicy Advisor)
Premiums also vary by state: Pawlicy's all-pet median runs from Hawaii ($64.01) through Oklahoma ($43.97) to Alaska ($28.02). No source publishes breed figures by state, so this site does not combine the two. Browse every state or every breed.
Sources: Pawlicy Advisor (Median monthly premium of real Pawlicy customer quotes across the insurers it sells; the range is the 25th to 75th percentile. The page labels the median as the average.), Forbes Advisor, NAPHIA State of the Industry 2026, Trupanion claims examples, NAIC Pet Insurance Model Act. Last checked October 20, 2026. Method on the methodology page.