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Best Pet Insurance for Bull Terriers

medium breed12–13 years lifespan~$1,200/yr vet costs

The Bull Terrier is impossible to miss — their distinctive egg-shaped head is one of the most recognizable profiles in dogdom. Bred in 19th-century England as a gentleman's companion, the Bull Terrier is muscular, playful, and clownish, with a stubborn streak that can challenge even experienced owners. They are intensely loyal and thrive on human interaction. Their unique neurological quirk — spinning and tail-chasing — is fascinating and sometimes concerning. Health-wise, the hereditary kidney disease specific to this breed deserves attention from any prospective Bull Terrier owner. A well-cared-for Bull Terrier is a one-of-a-kind companion with a personality to match their unusual looks.

Best Pet Insurance for Bull Terriers (Ranked)

🏆
EmbraceBest match for Bull Terriers
97
/ 100
★★★★★
4.7(18,420 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more

Score Breakdown

Condition Coverage
40% weight100
Price & Value
25% weight100
No Breed Exclusions
20% weight100
Customer Rating
15% weight80
Overall Score97 / 100
Visit EmbraceFull Review
#2
97
/ 100
★★★★★
4.7(39,800 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit Healthy PawsFull Review
#3
95
/ 100
★★★★★
4.5(22,100 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit LemonadeFull Review
See All 31 Providers Ranked for Bull Terriers →

Bull Terrier Health Risks & Conditions

Understanding your Bull Terrier's specific health risks helps you choose the right coverage.

Hereditary Nephritis (Polycystic Kidney Disease)

moderate risk

Hereditary nephritis — a fatal inherited kidney disease — is a significant concern specific to Bull Terriers and Miniature Bull Terriers. Affected dogs develop progressive kidney failure, often before middle age. Genetic testing ($100–$200) and annual urine protein-to-creatinine ratio testing ($100–$200/year) are recommended. Management of kidney disease involves prescription renal diets ($60–$120/month) and medications. Dialysis and kidney transplant are rarely options in veterinary medicine.

Treatment cost:$1,000–$8,000

Deafness

moderate risk

Congenital deafness occurs in Bull Terriers, particularly in white and predominantly white dogs. BAER (brainstem auditory evoked response) testing ($100–$300) identifies deaf or unilaterally deaf dogs. Deaf dogs can live full lives with modified training techniques (hand signals, vibration-based communication) and require additional management precautions around traffic and off-leash situations.

Treatment cost:$100–$500

Patellar Luxation

moderate risk

Patellar luxation affects Bull Terriers at moderate rates. Grades 3–4 require surgical correction ($1,000–$3,500 per knee). Bilateral cases are common. Without correction, progressive arthritis and cruciate ligament injury are more likely.

Treatment cost:$1,000–$3,500

Mitral Valve Disease

moderate risk

Bull Terriers have an elevated risk of mitral valve disease and other cardiac conditions compared to the general dog population. Annual cardiac auscultation and, for suspected cases, echocardiograms ($400–$600) are recommended. Cardiac medications (pimobendan, enalapril) for heart failure management run $100–$200/month. Regular cardiology monitoring is important from middle age onward.

Treatment cost:$500–$5,000

Compulsive Behavior (Spinning/Tail Chasing)

moderate risk

Bull Terriers have a unique predisposition to obsessive-compulsive behaviors, most notably tail chasing (spinning). The behavior can range from mild to severe enough to interfere with eating, sleeping, and normal function. Management includes behavior modification training, environmental enrichment, and in severe cases, pharmaceutical intervention (clomipramine, fluoxetine, $30–$100/month). Veterinary behaviorist consultation ($200–$400/session) may be needed.

Treatment cost:$300–$3,000

What to Look for in Bull Terrier Pet Insurance

Bull Terriers need hereditary nephritis coverage as a priority — kidney disease in this breed can lead to early, expensive care. Cardiac coverage and congenital deafness-related management are also important. Compulsive behavior may be covered under behavioral condition riders in some plans. Look for plans that cover hereditary and congenital conditions broadly. Embrace offers hereditary condition coverage that would include nephritis; Pets Best covers behavioral conditions in some tiers.

Bull Terrier Quick Stats

📅
12–13 years
Life expectancy
💰
$1,200/yr
Avg vet costs
📊
#62
Most popular
⚠️
5
Key health risks

Common Bull Terrier Health Conditions

⚠️ hereditary nephritis⚠️ deafness⚠️ patellar luxation⚠️ heart disease (mitral valve)⚠️ compulsive behavior (OCD)

All Providers Ranked for Bull Terriers

#4
95
/ 100
★★★★★
4.5(31,200 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit Pets BestFull Review
#5
95
/ 100
★★★★★
4.5(11,300 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit FetchFull Review
#6
95
/ 100
★★★★★
4.5(7,400 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$30–$100
Annual limitUp to Unlimited
Reimbursement80%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit PumpkinFull Review
#7
94
/ 100
★★★★★
4.4(9,800 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit SpotFull Review
#8
94
/ 100
★★★★★
4.4(14,600 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$30–$120
Annual limitUp to Unlimited
Reimbursement90%
Waiting period5 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit TrupanionFull Review
#9
94
/ 100
★★★★★
4.4(15,800 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period0 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit MetLifeFull Review
#10
93
/ 100
★★★★★
4.3(25,600 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit ASPCAFull Review
#11
93
/ 100
★★★★★
4.3(9,600 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✓Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%, 100%
Waiting period1 day (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit FigoFull Review
#12
93
/ 100
★★★★★
4.3(3,100 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit AnimaliaFull Review
#13
92
/ 100
★★★★★
4.2(2,400 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit KanguroFull Review
#14
92
/ 100
★★★★★
4.2(3,600 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit Physicians MutualFull Review
#15
91
/ 100
★★★★★
4.1(12,900 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$100
Annual limitUnlimited (whole pet)
Reimbursement50%, 70%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit NationwideFull Review
#16
91
/ 100
★★★★★
4.1(4,200 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit OdieFull Review
#17
91
/ 100
★★★★★
4.1(3,800 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit Prudent PetFull Review
#18
91
/ 100
★★★★★
4.1(3,200 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$16–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit TotoFull Review
#19
90
/ 100
★★★★★
4(8,200 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit AKCFull Review
#20
90
/ 100
★★★★★
4(5,600 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit CarePlusFull Review
#21
90
/ 100
★★★★★
4(6,800 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit PetPartnersFull Review
#22
90
/ 100
★★★★★
4(2,900 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit TrustedPalsFull Review
#23
90
/ 100
★★★★★
4(5,800 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement100%
Waiting period3 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit WagmoFull Review
#24
89
/ 100
★★★★★
3.9(1,800 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit DoggoFull Review
#25
89
/ 100
★★★★★
3.9(4,500 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit PetPremiumFull Review
#26
88
/ 100
★★★★★
3.8(900 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$55
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit PawdarlingFull Review
#27
87
/ 100
★★★★★
3.7(4,100 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit HartvilleFull Review
#28
87
/ 100
★★★★★
3.7(1,200 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$45
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit NibblesFull Review
#29
85
/ 100
★★★★★
3.6(4,800 reviews)

Excellent match for Bull Terriers. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hereditary nephritisdeafnesspatellar luxationheart disease (mitral valve)+1 more
Visit 24PetprotectFull Review
#30
48
/ 100
★★★★★
3.8(1,100 reviews)

Consider alternatives with stronger hereditary condition coverage for Bull Terriers.

✗Hereditary
✗Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$8–$35
Annual limit$5,000
Reimbursement80%, 90%
Waiting period0 days (accident)
Visit SpokkFull Review
#31
44
/ 100
★★★★★
3.8(2,200 reviews)

Consider alternatives with stronger hereditary condition coverage for Bull Terriers.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✗No Exclusions
Monthly cost$10–$45
Annual limit$7,000
Reimbursement90%
Waiting period0 days (accident)

Covers your breed's key risks:

heart disease (mitral valve)
Not covered: hereditary nephritisNot covered: deafness
Visit Companion ProtectFull Review

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