Does pet insurance cover BOAS surgery for French Bulldogs?

Yes, comprehensive accident and illness plans typically cover BOAS (Brachycephalic Obstructive Airway Syndrome) surgery if it is not a pre-existing condition. However, some insurers may classify it as a breed-specific exclusion, so it is crucial to check the policy terms.

How much does French Bulldog insurance cost?

French Bulldog insurance is more expensive than average due to breed health risks. Expect to pay between $80 and $120 per month for a comprehensive plan with a decent deductible and reimbursement rate.

What is the waiting period for IVDD coverage?

Waiting periods for orthopedic conditions like IVDD vary by provider. Trupanion typically has a 30-day waiting period, Pets Best has 14 days, while Lemonade can have a waiting period as short as 2 days for accidents but longer for illnesses.

French Bulldog Insurance Guide 2026: Costs, Coverage & Best Plans

As a devoted French Bulldog owner, you understand that these adorable, wrinkled companions come with unique health challenges. With their distinctive flat faces and compact bodies, Frenchies require specialized medical attention that can quickly add up. This guide will help you navigate the world of pet insurance to ensure your companion receives the best care without breaking the bank.

⚠️ Medical Alert: BOAS & IVDD

French Bulldogs are genetically predisposed to Brachycephalic Obstructive Airway Syndrome (BOAS) and Intervertebral Disc Disease (IVDD). Treatments for these can exceed $10,000. Never buy a policy that excludes "hereditary conditions".

Understanding the Costs: BOAS and IVDD

French Bulldogs are prone to several serious health conditions. Understanding these is crucial for making informed decisions.

Brachycephalic Obstructive Airway Syndrome (BOAS)

BOAS occurs because of the compressed facial structure. Symptoms include noisy breathing, snoring, and difficulty exercising.

Why it's expensive: Treatment often requires complex surgery to widen nostrils (rhinoplasty) and shorten the soft palate.
Cost Estimate: $2,500 - $5,000.

Intervertebral Disc Disease (IVDD)

IVDD affects the spinal discs. A slipped disc can cause paralysis.
Why it's expensive: Requires MRI ($2,500+) and emergency neurosurgery ($5,000+).
Cost Estimate: $7,500 - $10,000.

Comparison: Top 3 Providers for Frenchies

We compared policies specifically for French Bulldogs. Here is how they stack up on waiting periods and direct pay.

Feature	Trupanion	Pets Best	Lemonade
Orthopedic Waiting Period	30 days	14 days	2 days (accidents)
Exam Fees Covered?	Yes (included)	Add-on only	No
Direct Pay to Vet	✅ Yes	✅ Yes	❌ No (Reimburse)
Best For...	Direct Payment	Price/Value	Fast Claims (AI)

Case Study: Bella the Frenchie

Meet Bella, a 3-year-old Frenchie. One morning, she couldn't climb the stairs. Diagnosis: Type I IVDD (Slipped Disc).

                    The $9,000 Bill
                    MRI Scan: $2,000
Emergency Surgery: $5,000
Hospitalization (3 days): $1,000
Rehab & Meds: $1,000
Total Cost: $9,000

                

The Insurance Outcome (Trupanion, 90% coverage):
Sarah paid her $250 deductible. Insurance covered 90% of the remaining $8,750.
Insurance Paid: $7,875.
Sarah Paid: $1,125.

Without insurance, Sarah would have had to pay the full $9,000 immediately or face a heartbreaking decision.

Final Verdict

For French Bulldogs, we recommend Trupanion for their "Direct Pay" feature (essential for large emergency bills) or Pets Best for comprehensive coverage at a slightly lower monthly premium. Always enroll as a puppy to avoid pre-existing condition exclusions.