The most expensive dog breeds to insure are typically English Bulldogs, French Bulldogs, Great Danes, Rottweilers, and Irish Wolfhounds. These breeds face higher risks of health problems, require costly treatments, and often need lifelong veterinary care, which drives up insurance premiums.
If you own one of these breeds, expect to pay $800 – $1,500 per year in insurance premiums, compared to the average $400 – $700 per year for healthier, smaller breeds.
1. English Bulldog
- Monthly Insurance Cost: $80 – $120
- Yearly Cost: $960 – $1,440
- Lifespan: 8–10 years
- Common Issues: Breathing problems, hip dysplasia, skin infections, heart disease
The English Bulldog is one of the most iconic and affectionate breeds, but it is also among the most expensive dogs to insure. Their flat-faced structure makes them prone to brachycephalic syndrome, a condition that restricts airflow and causes breathing difficulties. Many Bulldogs eventually require corrective airway surgery, which can cost several thousand dollars. Even without surgery, frequent vet visits for respiratory care, medication, and monitoring are common. According to PetMD, Bulldogs are also highly sensitive to heat and must be carefully managed to prevent life-threatening overheating.
Beyond breathing problems, Bulldogs suffer from hip dysplasia, joint issues, and skin infections. Their short legs and heavy build place strain on their hips and elbows, sometimes requiring surgery that costs $3,000–$5,000. Their skin folds also trap bacteria and moisture, leading to chronic infections that require ongoing treatment. Heart conditions are another concern, especially in older Bulldogs, adding to long-term veterinary costs.
Because of these risks, insurers price Bulldog policies higher than average, with owners paying nearly $1,000 to $1,400 per year in premiums. While the costs may seem high, insurance can prevent a single unexpected surgery or hospitalization from becoming financially overwhelming. For Bulldog owners, comprehensive coverage that includes hereditary and chronic conditions is strongly recommended.