The “Breed Penalty”: Why Insuring a Bulldog Costs 300% More Than a Labrador

A cinematic, split-screen photograph. On the left, a happy Labrador Retriever sitting next to a small green price tag that says ' 45mo

The $100+ Monthly Shock If you have ever tried to buy pet insurance for an English Bulldog, you know exactly what the “Sticker Shock” feels like. I recently sat down to run a massive data comparison. I requested a quote for a healthy, 8-week-old Labrador Retriever. The monthly premium came back at a very reasonable

The $6,000 BOAS Bill Breakdown: What Are You Actually Paying For in 2026?

A close-up, high-quality image of a person's hands holding a long, detailed veterinary invoice receipt

The Sticker Shock: Unpacking the BOAS Estimate When you finally take your gasping French Bulldog or Pug to the vet and the surgeon hands you the printed estimate, your heart drops. You expected maybe $1,500. Instead, you are staring at a piece of paper that says **$6,450**. When I review these surgical estimates from owners

The “Surgery Tourism” Hack: Why Driving Your Frenchie to Texas Could Save You $3,000 on BOAS

A cinematic shot of a French Bulldog sitting in the passenger seat of a car, looking out the window with wind in its ears

The $5,000 Difference: Same Surgery, Different Zip Code You just got the quote from your local vet in New York or Los Angeles: $7,800 for BOAS Surgery. You are in shock. You look at your bank account. You look at your wheezing Frenchie. But what if I told you that the exact same surgery, performed

The “Zip Code” Discrimination: Why Frenchie Insurance Costs Double in These 3 States

A conceptual split-screen image. On the left, a French Bulldog sitting on a map of California with a price tag reading ' 280mo' in red

The “Coastal Tax” Nobody Tells You About You bought your Frenchie. You found a vet. You applied for insurance. And then you saw the quote: $245 per month. You panic. You ask your friend in Ohio what they pay for their Frenchie. They say: $68 per month. Welcome to the “Zip Code Multiplier.” Insurance companies