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High-risk breeds

French bulldog insurance: eligibility first, then price

Frenchies can usually still get a quote. They are a high-risk breed with expensive breathing and spine bills, which is why prices climb. A quote is not a promise that breathing surgery or a slipped disc will be covered if signs are already in the file.

9-year-old Frenchie, prior ACL

Quote: usually available at Embrace, Fetch, Pets Best, Spot, Trupanion. Lemonade: verify age cap on the form.

The prior ACL: not covered, and the other knee is often excluded under both-sides ligament rules. Details on the pre-existing page.

Breed-typical conditions (not the same as already there)

Inherited and born-with conditions are generally eligible if they have not shown signs yet. Lemonade’s pug example: wait until the limp is in the record and luxating patella is pre-existing.

Lemonade’s breathing problems (BOAS) article: breathing problems (BOAS) is covered on the base accident-and-illness policy if it is not pre-existing; snoring, labored breathing, or heat intolerance already noted can put breathing problems (BOAS) on the excluded list.

BreedIssues carriers themselves flagWhat that means for a quote
French bulldogLemonade: breathing problems (breathing problems (BOAS)), spinal issues, skin allergies. Fetch: breathing issues as a inherited example.Eligible to quote. Those conditions are covered only if they develop after waits. Already noisy breathing in the chart is the risk.
PugLemonade: pug encephalitis, luxating patella, breathing problems (BOAS) (brachycephalic airway article).Same rule. Signs before the wait ends = exclusion.
Golden RetrieverLemonade lists hip/elbow dysplasia, lymphoma, skin allergies, ear infections, cataracts, a stretched weak heart (dilated cardiomyopathy), cruciate tear, dental disease, with illustrative treatment-cost ranges on that page.Large-breed bone-and-joint and cancer risk is why early, continuous coverage matters. A late-life Golden quote will exclude what is already there.

Published prices we could verify

We do not invent premiums. Only Lemonade published breed-level average monthly premiums on pages we fetched.

Those are Lemonade’s internal averages (Golden Retriever page: analysis as of October 2025), not a quote for your ZIP code.

SourceWhat they publishedCaveat
Lemonade: Golden RetrieverIllustrative average monthly premiums: about $50–$55 at ages 1–3, $55–$60 at 4, $65–$70 at 5, $75–$80 at 6, $85–$90 at 7.Lemonade averages as of Oct 2025. Verify on the quote form.
Lemonade: French Bulldog pagesIllustrative averages in the $80s for young adults, rising past $100 by ages 6–7 (two Lemonade URLs list slightly different age-6/7 bands).Stale-prone. We did not treat either table as a live rate. Get a quote.
Embrace: dog insurance“Most of our Embrace dog parents pay between $20 to $70 per month” with sample mixed-breed and small-breed rows, none of those rows is a Frenchie.Not a Frenchie rate. Verify on the quote form.
Pets Best: Accident Only starting pricesAccident Only “start at just $6 per month for cats and $9 per month for dogs, regardless of your pet’s age and breed” ($7 / $10 in WA).Accident-only, not accident-and-illness. Not a Frenchie illness quote.
Fetch, Spot, TrupanionNo public Frenchie rate card on the pages we fetched.Unknown. Verify on the quote form.

Honest read of Lemonade’s two published tables: a Frenchie is priced well above a Golden of the same age in Lemonade’s own averages. That is consistent with brachycephalic risk.

It is not a ranking of carriers.

Get a Frenchie quote from the carrier

Get a quote from LemonadeGet a quote from EmbraceGet a quote from FetchGet a quote from Pets BestGet a quote from TrupanionGet a quote from Spot

Sources (fetched 30 August 2026)

Facts below come from official public carrier pages. Waiting periods, age caps, and premiums change by state and over time. Label anything operational as stale-prone: verify on the quote form.