The “Two Nostril” Loophole: Is BOAS Considered a Bilateral Condition?

A split-screen close-up of a French Bulldogs nose. The left nostril is highlighted in Green with a checkmark

The “Mirror” Rule You Didn’t See Coming Most pet owners understand the “Bilateral Exclusion” when it comes to knees. But here is the question that is costing Frenchie owners thousands of dollars: Does this rule apply to their nose? Brachycephalic Obstructive Airway Syndrome (BOAS) often involves Stenotic Nares (pinched nostrils). Since your dog has two

The “Floppy Ear” Trap: Why Your Cocker Spaniel’s Cutest Trait is an Insurance Nightmare

A close-up, emotional photograph of a beautiful Cocker Spaniel looking sad, with one heavy, floppy ear lifted slightly by a veterinarian's gloved hand

If you own a Cocker Spaniel, you know “the smell.” It’s that faint, yeasty, musty odor that comes from under those beautiful, long floppy ears. We think it’s normal. Insurance companies think it’s a loophole. Cocker Spaniels are famous for two things: their merry personalities and their chronic ear problems. While you see cute ears,

The “25-Degree” Death Zone: Why Summer Heat Kills Frenchies Faster Than You Think (And Why Insurers Won’t Pay

Close-up, low-angle shot of a French Bulldog panting heavily with a wide tongue, looking exhausted on a sunny pavement

It happens every year. A loving owner takes their Frenchie for a walk. It’s a sunny day, maybe 25°C (77°F). It doesn’t feel “too hot” to the human. Twenty minutes later, the dog collapses. The owner rushes to the vet, but it’s too late. And then comes the second shock: The insurance company denies the

The “BOAS” Bombshell: Why 80% of Frenchie Owners Are Denied Claims for Breathing Surgery (And How to Ensure You Aren’t)

A striking split-screen image of a French Bulldog's head

The $5,000 Snore: Why “Cute” Can Cost You If you own a Frenchie or a Pug, you know the sound. It’s that snort, grunt, or snore that happens when they get excited or fall asleep. To most owners, it’s a badge of honor—part of the breed’s goofy charm. But to an insurance adjuster, that sound