Here’s a comparison table for Lemonade, Embrace, and Trupanion pet insurance, focusing on their coverage for French Bulldogs and Brachycephalic Obstructive Airway Syndrome (BOAS):
Pet Insurance Comparison Table 2024
| Feature | Lemonade | Embrace | Trupanion |
|---|---|---|---|
| French Bulldog Coverage | Yes, covers breed-specific conditions like BOAS | Yes, covers breed-specific conditions | Yes, covers breed-specific conditions |
| Monthly Cost (4-year-old Frenchie) | Around $63 | Not specified | $50-$70 |
| BOAS Coverage | Yes, covers diagnosis, treatment, and surgery for BOAS | Yes, covers BOAS as a breed-specific condition | Yes, covers BOAS treatment and surgery |
| Pros | – Customizable plans – Optional preventive care packages – Fast claims process – Multi-pet discounts | – Includes dental illness coverage – Covers exam fees – Complementary treatments included – No per-condition limits | – No annual or lifetime limits – Simple, straightforward policy |
| Cons | – Annual coverage limits – Limited deductible options | – More expensive than some providers – Per-condition deductibles can add up | – No preventive care coverage – No customizable plans – Lower app store ratings |
| Other Comparisons | – Offers vet visit fee coverage (add-on) – Covers repetitive behaviors – Includes telehealth services | – Covers dental illness up to $1,000/year – Includes 24/7 vet line – More deductible options | – Covers hereditary and congenital conditions – No exam fee coverage |
My Favorite Pet Insurance is Lemonade.
Because they offer the most value for money with affordable prices for the most extensive coverage.
What is BOAS?
Brachycephalic Obstructive Airway Syndrome (BOAS) is a serious respiratory condition that commonly affects French Bulldogs and other brachycephalic (short-nosed) breeds.
Common Abnormalities
- Narrowed Nostrils: The nostrils of these dogs are often very narrow, making it harder for them to take in enough air.
- Elongated Soft Palate: The soft palate (the fleshy tissue at the back of the roof of the mouth) is often too long, partially blocking the airway.
- Everted Laryngeal Saccules: These are small pouches in the larynx (voice box) that can obstruct the airway.
Signs of BOAS
| Sign | Description |
|---|---|
| Noisy breathing | Snorting, snoring, wheezing sounds even at rest |
| Exercise intolerance | Tiring easily during playtime or getting winded quickly |
| Narrow nostrils | Pinched or very narrow nostrils restricting airflow |
| Elongated soft palate | Excessively long soft palate obstructing the airway |
| Overheating | Becoming distressed or overheated more easily, especially in warm environments |
| Gagging or regurgitation | Difficulty swallowing or regurgitating food/fluids |
| Respiratory distress | Labored breathing, cyanosis (bluish discoloration), or collapse in severe cases |
| Parental signs | Observing signs of BOAS in the parents, as the condition is inherited |
Cost of BOAS Surgery
Based on the search results provided, the typical cost range for Brachycephalic Obstructive Airway Syndrome (BOAS) surgery for dogs is:
- $800 – $2,000 for stenotic nares (nostril widening) surgery alone
- $1,500 for the full BOAS surgery package at Veterinary Surgery Service
- $4,900 at Southern Cross Veterinary Clinic for their pioneered minimally invasive BOAS surgery technique using a radiofrequency device
The cost can vary depending on several factors:
- Severity of the condition and number of procedures required (nostril widening, soft palate resection, saccule removal, etc.)
- Type of surgical technique used (traditional scalpel, laser, or minimally invasive radiofrequency device)
- If combined with other procedures like spaying/neutering
- Geographic location and veterinary clinic
How to Prevent BOAS
| Prevention/Management Strategy | Description |
|---|---|
| Preventative Surgery | Consider nostril widening, soft palate shortening, or saccule removal surgeries early on, even as a puppy, to open up airways. |
| Maintain Healthy Weight | Avoid obesity, as excess weight exacerbates BOAS symptoms. |
| Exercise Limitations | Limit exercise and avoid overheating by stopping activity when breathing becomes labored. Keep them in cool, air-conditioned environments. |
| Feeding Strategies | Use puzzle feeders, feed smaller meals in an upright position, and consider a blended/soft food diet to prevent aspiration. |
| Responsible Breeding | Avoid breeding French Bulldogs that have required BOAS surgery. Select for open nostrils and less exaggerated features. |
| Manage Stress/Excitement | Stress and excitement can worsen breathing issues, so keep your Frenchie in a calm environment. |
| Monitor for Secondary Issues | Be aware of potential secondary issues like gastrointestinal problems, collapsing episodes, and heart strain that can develop with BOAS progression. |
10 Things French Bulldog Owners Should Avoid Due To BOAS
- Avoid strenuous exercise or excessive physical activity, as it can trigger respiratory distress and overheating.
- Limit exposure to hot and humid environments, as brachycephalic dogs have difficulty cooling themselves effectively.
- Avoid using collars, as they can further obstruct the airways. Use harnesses instead for walking.
- Do not breed French Bulldogs that have required surgery to correct airway obstruction, as BOAS is an inherited condition.
- Avoid situations that can cause stress or excitement, as these can worsen breathing difficulties.
- Do not normalize or underestimate the severity of BOAS symptoms, as it can lead to under-diagnosis and suboptimal management of the condition.
- Avoid exposing the dog to irritants like smoke, dust, or strong odors that can irritate the airways.
- Do not assume that snoring or noisy breathing is normal for the breed. These can be signs of BOAS that require veterinary attention.
- Do not opt for surgical procedures like nostril widening or soft palate resection unless recommended by a veterinarian for severe cases of BOAS.
- Avoid breeding for exaggerated physical traits like extremely flat faces, as this perpetuates the anatomical abnormalities that cause BOAS.
Step-by-Step Guide to Filing a Claim
- Contact your insurance provider as soon as possible to inform them of the situation.
- Gather all necessary documentation, including the diagnosis, treatment plan, and itemized bills.
- Fill out the claim form provided by your insurer, ensuring all information is accurate and complete.
- Submit the claim form along with the supporting documents, either online, by mail, or via email, depending on your provider’s process.
- Follow up with your insurance provider if you have not received confirmation of the claim within a reasonable timeframe.
Tips for a Smooth Claims Experience
To ensure a smooth claims process, it’s helpful to establish a good relationship with your vet, as their timely submission of medical records can expedite your claim. Additionally, knowing the details of your policy, such as the deductible, reimbursement rate, and annual limits, will help you understand what to expect in terms of coverage. Remember, the sooner you file the claim after the surgery, the sooner you can receive reimbursement and ease any financial strain.
Frequently Asked Questions (FAQ)
Is Every French Bulldog at Risk of Developing BOAS?
While not every French Bulldog will develop BOAS, the breed’s brachycephalic nature means they are at a higher risk than other breeds. It’s important to monitor your Frenchie for any signs of breathing difficulty, especially as they grow and age, and to maintain regular veterinary check-ups.
Are There Any Pet Insurance Plans That Exclude BOAS Surgery?
Yes, some pet insurance plans may exclude BOAS surgery, particularly if it’s considered a pre-existing condition. It’s crucial to read the fine print and ask questions when shopping for insurance to ensure that BOAS-related treatments are covered.
How Quickly Can I Get Reimbursed After the BOAS Surgery?
Reimbursement times can vary by provider, but most pet insurance companies aim to process claims within a few weeks. To speed up the process, submit all required documentation promptly and ensure that it’s complete and accurate.
Can I Get Pet Insurance After My French Bulldog Has Been Diagnosed with BOAS?
You can still obtain pet insurance after a BOAS diagnosis, but the condition will likely be considered pre-existing and not covered for related treatments. However, insurance can still be beneficial for other health issues and injuries your Frenchie may encounter.
What Are the Long-Term Health Implications for French Bulldogs After BOAS Surgery?
Many French Bulldogs live happier and healthier lives after BOAS surgery. However, it’s important to continue monitoring their breathing and to maintain a healthy weight to reduce stress on their airways. Regular vet visits will help catch any potential issues early.
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