Here at Emerald Life, we like to think every dog is gorgeous and that definitely includes the famous English Bulldog!
A British icon, thanks in part to their likeness to WWII Prime Minister Sir Winston Churchill, Bulldogs symbolise a plucky and determined spirit commensurate with their nature. As such, they continue to be a polular choice for dog owners today.
However, despite their attractions, Bulldogs do have unique challenges to overcome so, finding the right pet insurance is even more essential than with other Breeds
Precisely because of their suceptibility to various health problems inherrent to the Breed, many insurers take a cautious approach when it comes to insuring your Bulldog.
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Finding the Best Pet Insurance for Your Bulldog
Pet insurance can remove the financial burden on you when your dog needs veterinary care. It can also provide cover for a range of the other scenarios, such as treatment diet, additional treatments, ongoing care, training, and overseas insurance.
Because Bulldogs dogs have unique health requirements, owners often want to guarantee the best level of care. With a proper insurance policy that helps you when you make claims, you will feel more confident about taking your Bulldog to the vet.
When shopping for the best Bulldog insurance, there are some things you need to know about:
Before Getting a Policy
Many insurance companies offer lifetime pet policies amongst their range of coverage options for your Bulldog. However, there are also per illness policies available usually at a lower price.
Some customers will find a Bulldog that is too old may not be insurable or will cost over the odds to cover. While it is not universal, some insurance companies ask owners to give their pet a health examination with a veterinarian before offering a policy.
Available Cover
Not all insurance policies are not created equal and some companies will incorporate more extensive benefits into standard pet insurance than others. For owners of Bulldogs, there are some things you need to consider when looking at cover for this unique breed.
Firstly, you should check if the policy you want has a broad range of cover options. If you see accident-only premiums, this means the plan will cover against injuries from accidents but won’t include costs for illness and normal visits to the vet. This is especially important to note with your Bulldog insurance because of problems with pet bulldogs including hip dysplasia and cherry eye can often
If you want a more rounded level of cover, look for a policy that combines accident and illness, just like the standard pet insurance from EmeraldPet.
Another thing to look out for is continual care, which will provide cover for ongoing treatment when you renew the policy. Some insurance policies will not extend this coverage unless you pay more.
What Are Payout Limits and Deductibles?
If you’re unfamiliar with the concept of a deductible in insurance, it is the amount you must pay out of your own pocket before your insurer will approve a claim for your Bulldog Insurance. Some deductibles are annual on your policy, while some are per incident.
Some insurers allow you to choose your level of deductible to get a better rate, but others have a fixed percentage deductible.
Furthermore, an insurer will place what’s known as a payout limit on your pet insurance policy. This means there is a cap on the yearly amount your insurance provider will pay out in claims. Payout limits will depend on the type of policy you have for your Bulldog.
Policy Costs
It’s not easy to predict how much your Bulldog insurance will cost because there are so many variables involved. Some of the main things your insurance company will consider include:
- Level of cover
- Optional extras
- Age of your French Bulldog
- Location
- Deductible
- Exclusions
Exclusions are one of the most important parts of your policy and you should read them carefully. These are the situations that your insurance company will not pay out on a claim. A Bulldog with pre-existing conditions is perhaps the classic example, but there are others.
How to Find the Best French Bulldog Insurance
If you want standard pet insurance, there are dozens of options on the market. However, some insurance companies won’t cover Frenchies, so you will need to shop around for one that will. In fact, shopping around for insurance is something you should always do to ensure you get the best policy at the most affordable price.
Many times, the first port of call for anyone lookinf for insurance is to look at a quote engine. This is very useful for getting a general overview of how much it may cost to insure th average Bulldog, but insurers often hide the real costs of insurance and it can be hard to decipher what benefit one policy has over another. Contrary to popular opinion, the best deals will often not be found on these websites – insurers often hide costs and show base cover on comparison sites and not the (real) final price. In eneral, try to avoid buying your coverage directly through comparison websites and instead contact insurers directly to find the best deals and discounts.
EmeraldPet Insurance Policies
If you have a Bulldog and want to get pet insurance, it is worth contacting us at EmeraldPet. We provide cat and dog insurance for accident and illness as standard across four level of veterinary fees.
Our insurance products are authorised and regulated by the Financial Conduct Authority with cover available for treatments outlined in your policy up to the set fee limit agreed on purchase.
Many customers opt for our standard pet insurance package, which is available over four separate limits towards vet fees, £1,000, £3,000, £6,000, and £7,500. Depending your level of cover, our policies will cover vet care and accidents up to the set limit. We also include complimentary treatments up to 25% of your policy limit, such as acupuncture and physiotherapy.
Other built-in benefits in the EmeraldPet standard pet insurance policy is £200 towards training programs, and £300 towards clinical diets. We understand some customers need a more comprehensive cover for their Bulldog pet insurance. That why we have numerous optional extras, including:
- Up to £1,500 per year for a missing pet, including rewards and advertising
- Daily pet-sitting or boarding fees up to £1,500 per year
- Up to £1,500 per year towards accidental or illness-related theft, death, or straying
- Holiday cancellation up to £5,000 per year
- Quarantine costs up to £2,000 per year
- Emergency expenses up to £1,000 per year
- Loss of a pet passport up to £250 per year
- Maximum cover up to £1,000,000 per event
- Legal liability cover if your dog damages someone else’s property
- Legal liability cover if your dog causes injury or death
Conclusion
We think Bulldogs are adorable and feircely loyal dogs that come with some unique needs. Providing the best level of care is important and insurance is the best way to avoid paying those nasty vet fees yourself.
Shopping around for pet insurance is worth doing because not every insurer will cover a French Bulldog. Remember, make sure you read any insurance policy you want to purchase and understand exactly what level of cover is on offer, including deductibles and exclusions.
