Pug Pet Insurance: Best Plans, Cost, Quotes & More

pug pet insurance

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Like any other breed of dog, Pugs can have health problems and are prone to accidents and illness. As a responsible Pug owner, having the financial means to protect your pet in an emergency is essential.

Pet insurance can assist you when something unexpected happens to your pet, such as an injury, emergency care, chronic conditions, and more.

This article discusses the main reasons Pugs need pet insurance, including Pug accident probability, the breed’s predisposition to health problems, and other key data you need to know to determine if this breed needs coverage.

We also show you the best pet insurance companies for Pugs. Let’s get started!

Table of Contents 📖

The Best Pet Insurance Companies For Pug

Here are Canine Bible’s top 3 picks for the best pet insurance for Pugs.

You can click this link to go to the reviews, but we encourage you to keep reading to make a more educated decision about getting pet insurance for your Pug.

What Is Pet Insurance?

Getting pet insurance for your Pug dog is equivalent to getting health insurance for yourself. Pet Insurance is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving peace of mind and protecting your savings.

How Much Does Pet Insurance Cost For Pug?

How much does insurance cost for a Pug? Pug’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Keep in mind rising vet costs due to advances in technology and an increasing number of claims in the location where you live can make your monthly payment increase. For instance, if your Pug is quoted at $45 per month today, that price is subject to change.

We compared quotes for plans for Pug with three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage.

We chose three Pugs at different stages in their life. An adult Pug (5 years old), a young Pug (1-year-old), and a puppy Pug (3 months old).

Check out this Pet Insurance Comparison table for Pug.

Pet Insurance Quotes For Pugs

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$55.69Denver
(zip code: 80123)
MalePug5 years
Embrace$50070%$30,000$88.14Denver
(zip code: 80123)
MalePug5 years
Lemonade$50070%$100,000$37.92Denver
(zip code: 80123)
MalePug5 years
Healthy Paws$50080%Unlimited$45.61San Diego
(zip code: 91911)
FemalePug1 year
Embrace$50080%$30,000$43.64San Diego
(zip code: 91911)
FemalePug1 year
Lemonade$50080%$100,000$29.33San Diego
(zip code: 91911)
FemalePug1 year
Healthy Paws$50070%Unlimited$35.04Philadelphia
(zip code: 19090)
FemalePug3 months
Embrace$50070%$30,000$51.37Philadelphia
(zip code: 19090)
FemalePug3 months
Lemonade$50070%$100,000$16.97Philadelphia
(zip code: 19090)
FemalePug3 months

So, how much are you expected to pay for canine insurance for your Pug?

If you get Pet Insurance for your Pug, you can expect to pay between $17 to $88 per month. Depending on where you live, what deductible, and the reimbursement percentage you choose, you may spend more or less.

*NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from June 2022.

Is Pet insurance For Pugs Worth it?

Here are three main reasons you should consider getting pet insurance for your Pug.

1. Avoid Deciding Between Your Wallet And Your Pug

USA Today reports that many dog owners have had to make the terrible decision to euthanize their pups because they didn’t have the money to pay for surgery or treatment.1

With pet insurance, you will be able to seek out medical care for your sick or injured Pug without worrying about hurting your finances.

On average, the most common dog treatments cost $252.75, while a more severe and common condition in Pugs, like Entropion, can cost between $300 – $1,500 to diagnose and treat.2

2. Pet Insurance For Pug Accidents

According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and it’s estimated that 1 in 3 will need emergency veterinary treatment every year.

So, how does that translate to Pug numbers?

A recent survey found that roughly 90 million dogs live in the United States.3 So, unfortunately, 33% (1 in 3) of Pug may need emergency care this year.

This could lead to massive vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.4

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Health Issues For Pugs

The following table shows the most common health conditions Pugs are likely to develop.

We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay.

ConditionRiskCost to Diagnose & Treat
Portosystemic ShuntsHigh$2,000 - $6,000
Legg-Calve-Perthes DiseaseHigh$1,000 - $3,000
EntropionHigh$300 - $1,500
Arachnoid CystsHigh$4,500 - $10,000
Fold DermatitisHigh$300 - $2,500
Necrotizing Meningo-EncephalitisHigh$1,500 - $4,000
Hip DysplasiaMedium$1,500 - $4,000
Patellar LuxationHigh$1,500 - $3,000
Stenotic NaresMedium$200 - $1,000
Keratoconjunctivitis SiccaMedium$50 per month
HemivertebraHigh$1,500 - $4,000
ObesityMedium$850
Skin DiseaseHigh$500 - $2500

Other Reasons To Get Dog Insurance For Your Pug

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

PRO TIP: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Pet Insurance for your Pug can spare you financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Pug’s life.


Best Pet Insurance For Pugs

Here are Canine Bible’s top picks for the best pet insurance for Pugs.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose the right company and coverage for your Pug.

Best Overall – Healthy Paws

Why is Healthy Paws a good choice for your Pug?

There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. 

A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for a healthy Pug at a $500 deductible, with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $35 and $56.

With Healthy Paws, you can start protecting your Pug at just 8 weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.

Pros

  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make

Cons

  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fees and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Great For Curable Pre-Existing Conditions – Embrace Pet Insurance

If your Pug suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice!

Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptoms and are treatment-free.

If you sign up with Embrace, based on our research, you can expect to pay between $44 and $88, but prices may vary depending on your location, Pug’s age, and other factors.

Embrace has you covered when your Pug gets hurt unexpectedly from tooth extractions to torn ligaments. They can also cover Fold Dermatitis treatment, which Pugs are prone to, as long as they were diagnosed after coverage.

Claims are addressed fairly quickly (averages 10 to 15 business days), and centers for after-hour treatment are included in emergency care coverage. 

Also, your Pug’s annual deductible goes down by $50 each year you don’t receive an accident or illness claim reimbursement.

Pros

  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet

Cons

  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards are not available in Rhode Island.


Best Value: Lemonade Pet Insurance

Lemonade offers excellent pet insurance coverage for your Pug at the most affordable price.

Premiums at Lemonade start at just $10 a month (the lowest in the industry) but keep in mind that they will vary by your location, pet’s age, gender, and other factors.

To estimate your monthly premium, we ran a few quotes for a healthy Pug at a $500 deductible and a 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $17 and $38.

We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover both accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more.

They also offer several add-ons to help pet owners pay for exam fees, physical therapy and preventive care costs.

Pros

  • Coverage starts at $5 per month
  • Provides a mobile app and website chat function
  • Giveback program donates unused policy money to charities
  • A waiting period of 2 days for accidents, which is shorter than many competitors
  • Preventive care treatments for puppies and kittens under 2 years old
  • 10% discount for bundling your policy with Lemonade home insurance or renters insurance

Cons

  • Only available in 28 states
  • It doesn’t offer coverage for pets over 14 years old

Average Cost of Pug Vet Bills (Healthy Vet Visit vs Emergencies)

Are you wondering how much you would have to pay out of pocket for regular vet visits and emergencies? Here is a breakdown of the average price for both.

If you don’t have insurance, you are likely to pay similar amounts for either type of visit.

Healthy Vet Visits

  • Puppy vaccinations: $75-100
  • Flea & tick prevention: $40-200
  • Heartworm prevention: $24-120
  • Spay or neuter surgery: $200-800
  • Annual exam: $240-600
  • Teeth cleaning: $200-500
  • Microchip: $40

Emergency Vet Visits

  • General consultation/exam: $100-$150
  • General bloodwork: $80-200
  • X-rays: $150-$250
  • Ultrasound: $300-$600
  • 1-2 day hospitalization: $600-$1,700
  • 3-5 day hospitalization: $1,500-$3,500
  • Wound treatment & repair: $800-$1,500
  • Emergency surgery: $800-$2,500
  • Oxygen therapy: $500

Pet Insurance For Pug Puppy

Should you get pet insurance for your Pug puppy? Here are the top reasons you should consider Pug puppy insurance.

  • Lower Premiums. Younger pets are cheaper to insure than their older counterparts. Because pet insurance rates are based on age, breed and location, your premium is lower with puppies.
  • Covering Future Conditions. If you know your dog breed is predisposed to certain health issues, it’s best to insure your puppy before he shows any symptoms or is diagnosed with an illness or issue. Most pet insurance providers won’t cover pre-existing conditions. However, if your puppy develops one (i.e., cancer, allergies, diabetes) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Pug puppies will eat, chew and lick pretty much anything. They are more prone to suffer from accidents and bacteria, virus infection.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with raising a puppy. From toys and food to vet-related expenses. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy. While the upfront costs for first-year pet ownership typically cost over $1,000, says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Pug was hit by a car.

Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

You can sign up for 1 or 2 (or both), but this will mostly depend on your Pug needs and finances. Most pet insurance companies nowadays offer a single plan that includes accidents and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

Look at the table below to see the most common items covered by each type of pet insurance plan.


Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
PoisoningHypothyroidism
De-worming
InjuriesDigestive Issues
teeth cleaning
EmergenciesIVDD
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

*i. Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

Pet insurance doesn’t cover it all!

When buying Pet Insurance for your Pug, you’ll need to carefully review the different plans to see what isn’t covered.

Most pet insurance policies exclude the following:

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy, or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Boarding and transportation

This exclusion will vary depending on your pet insurance company and plan.

PRO TIP: Please always read your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Pug is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Pug?

Here are eight tips to help you choose the best pet insurance policy for your Pug.

  1. Compare the coverage under each plan with your Pug’s specific health concerns.
  2. Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Pugs health issues).
  3. Speak with your veterinarian about your dog’s aging health concerns.
  4. Pick a plan based on the right cost and coverage benefits, not price alone.
  5. Obtain at least three quotes based on the information you provide about your Pug’s age, health, gender, and needs.
  6. The earlier you sign your Pug for pet insurance typically means lower the monthly premiums. 
  7. Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  8. Narrow down your choices with our recommended top 3 providers.

Should I Get Pug Pet Insurance?

Pet insurance protects you from the unexpected. Pet owners often pay for their pet’s medical expenses out of pocket. However, most Americans cannot afford emergency vet bills. The right pet insurance can save your dog’s life.

Insuring your Pug allows you to make medical decisions for your beloved pet based on its quality of life rather than finances. No matter how many pets you have, it’s the best way for your dog to access medical care whenever you need it without worrying about costs.

If you decide to get pet insurance, be sure to read the policy carefully and understand the terms and conditions.


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