Breed Matters: Why Your Frenchie Costs More Than Your Husky (and Why That’s Fair)

The Science of Premiums

When you apply for pet insurance at https://coverb.ae/, one of the first questions we ask is: “What breed is your pet?” To some, it might seem unfair that a French Bulldog’s premium is higher than a Saluki’s. But in 2026, insurance pricing is based on sophisticated data that helps protect everyone.

Understanding why breed matters can help you choose the right pet for your lifestyle and budget in the UAE.

The Brachycephalic (Flat-Faced) Challenge

Breeds like French Bulldogs, Pugs, and Persian cats are incredibly popular in Dubai. However, they are prone to “BOAS” (Brachycephalic Obstructive Airway Syndrome). In the UAE heat, these pets often struggle to breathe.

• The Cost: Corrective airway surgery in 2026 can cost AED 15,000 to AED 20,000.
• The Premium: Because the statistical likelihood of this surgery is high, the premiums are adjusted to ensure the insurance fund can cover it when the time comes.

Large Breeds and Orthopedics

Large dogs like German Shepherds and Great Danes are prone to hip and elbow dysplasia.

• Weight-Based Costs: Larger dogs require more anesthesia and higher doses of medication. A course of antibiotics for a 40kg dog is much more expensive than for a 4kg Yorkie. This “Size Factor” is built into your pet insurance in uae.

The “Mixed Breed” Advantage

In 2026, the “Desert Mix” or “Saluki Mix” is the hero of the insurance world. Because they have a wider genetic pool, they are often hardier and less prone to expensive hereditary diseases. If you want the lowest possible premium for pet insurance in dubai, a healthy mixed-breed rescue is often your best bet.

Transparency at CoverB

We don’t believe in hidden fees. When you get a quote on CoverB.ae, we show you exactly how your pet’s breed influences the price. We even provide tips on how to lower your costs, such as opting for a higher “voluntary excess.”

Knowledge is Power

Before you bring a new pet home, check their “insurance profile.” It will give you a clear idea of their long-term health risks. Start your research at https://coverb.ae/retail-2/pet-insurance/.