Is describing someone as 'flat chested' an insult?

I was out with my girlfriend and a few other couples last night for drinks.

When we arrived one of my girlfriend's female friends complimented her on her dress saying 'i'm so jealous, flat chested women can get away with so many cute styles'!

My girlfriend took this well at the time but when we got home she was tearful. Saying how she wanted a boob job and she feels humiliated by her chest.

I didn't think the comment was that deep and it seemed meant as a compliment.

Is describing someone as flat chested always an insult for women? I don't know how to cheer her up :(

Yes
Sometimes
No
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Is describing someone as 'flat chested' an insult?
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