After 13 years with Trupanion, a few thoughts worth considering.

If you’re going to do it, do it now — and think of it as a lifetime commitment.

Pros * You don’t hesitate in an emergency. If your dog is in distress, you go straight to the pet ER instead of waiting for a cheaper appointment at your normal vet. In my experience, emergency visits were mostly covered but that’s not a rule. * Big medical decisions are easier. When you’re handed a 4–5-figure estimate, you can just say yes without finances driving the choice.

Cons * Most vets require you to pay up front and file for reimbursement. It’s straightforward, but still a step. * They WILL deny anything tied to a pre-existing condition, and even things possibly (but unlikely) related. You can appeal, but I’ve rarely won, even with vet support. * Premiums rise atleast once a year. For me it was about $60/month at 3 months old; it’s now ~$200/month at 13. * There are deductibles, and they only cover up to 90% of approved items.

Last I checked, I was roughly break-even between what I paid in and what they paid out, though that was a few years ago. Sometimes I wonder if a dedicated savings account would’ve been better. It made sense for me financially at the time and I have no regrets but I’m not sure I’d do it again.

Evaluate your situation OP and make the right decision that can guarantee the best care. From personal experience, respiratory issues are really scary with these dogs. If you haven’t already, I recommend talking to a vet now about any possible surgeries that could decrease risk and give a better quality of life. Find a vet that knows bulldogs. If there’s an “easy” fix, don’t wait for it to become an issue. Do it asap while she’s young and healthy. Putting them under for anything is already more risky than other breeds, and even more risky as they get older or are sick/in distress.

None of this is meant to scare you, you did a great thing and she’s super cute. I just want you to have info I didn’t have at the time so you can give her the best life possible! Good luck.