Best Pet Insurance For Pugs: Top Plans, Cost, Quotes & More

pug pet insurance

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This content was reviewed and fact-checked by veterinarian Meri Halvari, DVM Candidate.

Pugs have long been a beloved companion in many households. However, their unique physical features, like their brachycephalic (flat-faced) nature, can also bring a set of health challenges that every Pug owner should be mindful of. The costs of veterinary care can quickly add up in the event of an emergency, making the decision to choose the best pet insurance for your Pug not just a financial decision, but a crucial aspect of your pet’s health care plan. 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 your pet needs coverage. We also show you the best pet insurance policies for Pugs. Let’s get started!

Why you should trust us: Our writers, editors, and in-house veterinarians spend hours analyzing and reviewing products and services to help find what’s best for you. Read the product review methodology and editorial mission to find out how we test, analyze, and rate.

Best Pugs Pet Insurance — At A Glance

What Is Pug Pet Insurance: Pet insurance is a healthcare policy that provides coverage for your pet, offering reimbursement for specific veterinary expenses. This ensures that your savings remain secure despite unforeseen medical costs. Such a policy involves a monthly premium. Should your pet fall ill or sustain an injury, you would file a claim with the insurance company to recoup your expenses.

The monthly premium for Pug pet insurance

$28 to $77

How Much Does Pet Insurance Cost For Pugs?

The insurance cost for a Pug dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s important to remember that with the progression of veterinary technology and increased claims within your locality, your insurance premiums may rise. For example, even if your Pug is quoted at $55 per month, this rate is not fixed and could change.

According to our research, plans for Pugs can range from $28 to $77. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Pug dog owners can expect to pay an average $50 monthly premium.

Pet Insurance Quotes For Pugs

We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Pugs.

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Lemonade$50070%$100,000$32.35SC, 29044MalePug6 years
Spot$50070%Unlimited$71.48SC, 29044MalePug6 years
Healthy Paws$50070%Unlimited$41.50SC, 29044MalePug6 years
Lemonade$50070%$100,000$35.35CA, 95842FemalePug2 year
Spot$50070%Unlimited$75.16CA, 95842FemalePug2 year
Healthy Paws$50070%Unlimited$40.92CA, 95842FemalePug2 year
Lemonade$50070%$100,000$28.90TX, 75219FemalePug6 months
Spot$50070%Unlimited$77.33TX, 75219FemalePug6 months
Healthy Paws$50070%Unlimited$49.70TX, 75219FemalePug6 months

Pug puppy monthly cost: $52

Adult Pug monthly cost: $50

Senior Pug monthly cost: $48

Is Pet Insurance For Pugs Worth it?

The decision to purchase pet insurance for your Pug hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.

Consider a scenario where your Pug falls seriously ill or suffers an injury from an accident, incurring veterinary bills in the thousands. On average, the most common dog treatments cost $254.[1] A more severe and common condition in Pugs, like Portosystemic Shunts, can cost between $2,000 and $6,000 to diagnose and treat. Can you pay for an unexpected $6,000 veterinary bill out-of-pocket? Most people can’t. The Federal Reserve states that 40% of Americans don’t have enough savings to cover a $400 emergency and 57% of U.S. adults cannot afford a $1,000 emergency expense.[2]

Investing in pet insurance for your Pug is a wise choice to protect your finances and ensure your dog can receive the necessary care. With pet insurance, should an unexpected accident or illness occur, you could be reimbursed for 70% to 100% of the veterinary costs, depending on the details of your plan and provider. Pet insurance gives peace of mind, knowing your finances and pet’s health are covered.

Predict & Protect Your Pug’s Future Health

Canine Bible uses years of clinical health findings, pet insurance data points, trends, and surveys to identify common health conditions in dogs. By gaining insight into your Pug’s potential future health issues and risks, you can take preventive action today and ensure that your Pug does not become a part of these statistics.

1 in 3

dogs will need emergency veterinary treatment every year.

$250 to $8K

is the average cost of unexpected veterinary care for dogs.[3]

Pugs are 1.9 times

more likely to experience health issues compared to breeds.[4]

1,2%

of Pugs deaths are caused by Encephalitis.[5]

If you know your dog’s breed is predisposed to certain health issues, we strongly advise getting a pet insurance policy while your dog is still healthy. Chronic health conditions, emergencies, and vet visits can increase costs throughout your Pug’s life. Pet Insurance can spare you a lot of financial trouble.

Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life.

Most Common Health Conditions In Pugs

Cost to treat entropion

Entropion in Pugs is a condition where the eyelid rolls inward, causing eyelashes to rub against the cornea. This results in discomfort, tearing, and potential corneal damage. It’s often inherited, though can also arise from eyelid injuries or muscular spasms. Treatment typically involves surgical correction.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat hip dysplasia

Hip dysplasia involves abnormal hip joint development, leading to looseness and instability. This genetic disorder is exacerbated by rapid growth, obesity, and environmental factors. Symptoms include limping, difficulty in movement, and arthritis.

  • Cost: $4,500
  • Pet insurance pays back up to: $4,050*
  • Risk profile: Medium

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat patellar luxation

Patellar luxation in Pugs involves the dislocation of the kneecap from its normal position. This condition, often genetic, can cause lameness or an abnormal gait. Factors like trauma or congenital defects contribute to its development. Severity varies, potentially leading to arthritis or reduced mobility in affected dogs.

  • Cost: $2,500
  • Pet insurance pays back up to: $2,250*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat arachnoid cysts

Arachnoid cysts in Pugs manifest as sac-like formations filled with cerebrospinal fluid, typically found near the brain or spinal cord. Their origin is often congenital, but they can also develop post-trauma. These cysts might lead to neurological symptoms such as seizures, coordination issues, or limb paralysis, yet some remain unnoticed and are only found during unrelated examinations.

  • Cost: $7,500
  • Pet insurance pays back up to: $6,750*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat fold dermatitis

In Pugs, fold dermatitis occurs due to their distinctive facial structure, which creates skin folds where moisture and friction promote bacterial and yeast growth. This results in inflammation, infection, and irritation in these folds. Effective prevention includes consistent cleaning and vigilance to maintain skin health in these areas.

  • Cost: $1,750
  • Pet insurance pays back up to: $1,575*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat portosystemic shunts

Portosystemic shunts in dogs involve abnormal blood vessel connections allowing blood to bypass the liver, leading to unfiltered blood reaching systemic circulation. This condition can cause toxins to accumulate, affecting neurological and digestive health. It’s often congenital, resulting from genetic predispositions in this breed.

  • Cost: $4,000
  • Pet insurance pays back up to: $3,600*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat Legg-Calve-Perthes Disease

Legg-Calvé-Perthes Disease in Pugs is characterized by the deterioration of the femoral head in the hip joint. This occurs due to inadequate blood supply, leading to bone necrosis. Common in young, small breeds, it causes limping, joint stiffness, and pain, significantly impacting mobility and quality of life.

  • Cost: $2,000
  • Pet insurance pays back up to: $1,800*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat obesity

Obesity is a significant concern in Pugs, primarily caused by overfeeding and lack of exercise. This excess weight puts strain on the dog’s body, leading to joint problems, diabetes, and reduced lifespan. Proper diet and regular exercise are crucial for prevention.

  • Cost: $850
  • Pet insurance pays back up to: $765*
  • Risk profile: Medium

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat necrotizing meningo-encephalitis

This neurological condition, more commonly seen in Pugs, involves inflammation and subsequent necrosis (death) of brain tissue. The cause is believed to be immune-mediated, meaning the dog’s immune system mistakenly attacks its own brain tissue. Symptoms can include seizures, blindness, and loss of coordination.

  • Cost: $4,000
  • Pet insurance pays back up to: $3,600*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat stenotic nares

This refers to the congenital malformation of the nostrils in Pugs, causing them to be overly narrow. This structural issue impedes airflow, making it difficult for the dog to breathe, especially during exercise or in hot weather. It often requires surgical correction to improve the dog’s quality of life.

  • Cost: $1,000
  • Pet insurance pays back up to: $900*
  • Risk profile: Medium

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat keratoconjunctivitis sicca

Commonly known as ‘dry eye,’ this condition is characterized by insufficient tear production, leading to dry, irritated eyes. In Pugs, it’s often a result of immune-mediated damage to tear glands. If untreated, KCS can lead to painful eye infections and potential vision loss.

  • Cost: $50 per month
  • Pet insurance pays back up to: $45*
  • Risk profile: Medium

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Cost to treat hemivertebra

This is a congenital spinal condition where some vertebrae are misshapen, resembling a wedge or half-vertebra. In Pugs, this can lead to spinal deformities and even paralysis if the spinal cord is compressed. Symptoms vary depending on the severity and location of the affected vertebrae, ranging from no visible signs to severe neurological impairment.

  • Cost: $4,000
  • Pet insurance pays back up to: $3,600*
  • Risk profile: High

*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.

Why Get Pet Insurance For Pugs?

Benefits For Pugs

  • Access to better care and health outcomes due to financial barriers removed
  • Cover hereditary conditions and get better breed-specific care
  • Prompt access to medical treatments
  • Ongoing access to healthcare and emergency care
  • Preventive care options
  • Facilitates treatment from specialists

Benefits For Owners

  • Decreases the likelihood of economic euthanasia when the cost is a limiting factor for treatment
  • Reduces unexpected veterinary costs
  • Financial peace of mind
  • Cover third-party liabilities
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet

How to Pick The Best Pug Pet Insurance

Pick a type of pet InsuranceWhile the most popular type of pet insurance includes accident and illness coverage, an accident-only policy might be your only choice if your pet is ineligible for it or is beyond your budget. Additionally, if you’re interested in lowering the costs of routine preventative care, seek an insurance provider that also offers wellness coverage.
Check whether your pet is eligibleMost insurance companies mandate that pets be at least 6 to 10 weeks old for eligibility. Conversely, enrolling older pets for the first time may lead to limitations, with some companies offering only accident coverage. Nonetheless, once enrolled, most plans cover your pet for life, provided you continue to pay the premiums.
Pre-existing conditionsMost pet insurance policies do not cover pre-existing conditions unless deemed curable. Some insurers may provide coverage if the pet’s condition is curable and has not required treatment for a specified period, like the past 12 months.
Review cost versus benefitsGet quotes from multiple insurers for your Pug to compare monthly premiums. Consider the value of each plan by weighing the cost against the benefits provided.
Breed-specific needs and coverageConsider your Pug’s age, current health status, and any potential hereditary conditions common in the breed, and pick your plan accordingly.
Compare insurance providersGet quotes from multiple insurers for your Pug to compare monthly premiums. Research and list reputable pet insurance providers that offer plans for Pugs.
Check the fine print and exclusion policyRead the terms and conditions to understand the policy’s limitations and exclusions. Some insurers may also refuse to cover common conditions associated with certain breeds. 
Check waiting periodsTypically, pet insurance coverage kicks in after 14 days of signing up. Any treatments your pet receives won’t be covered during this waiting period. However, some plans impose longer waiting periods for certain conditions.
Choose a deductible and reimbursement levelModifying your deductible and reimbursement levels allows you to either raise or lower your monthly premium. Opting for a higher deductible can reduce your premium but might lead to higher costs during vet visits. The ideal balance depends on whether you prefer paying more over time and less during a claim or vice versa.
Sign up as early as possibleThe earlier you sign your pet insurance, the lower the monthly premiums because younger pets are typically healthier and less likely to require extensive veterinary care, which translates to lower risk for the insurance company. Also, some pet insurance plans lock in the premium rate based on the pet’s age at enrollment.
Look for additional perks and discountsSome pet insurers offer multi-pet discounts, loyalty benefits, discounts for microchipped pets, alternative therapy coverage and travel insurance.

Best Pet Insurance For Pugs

1. Best Overall Pug Pet Insurance

4.8

Lemonade

Who It’s For: Excellent for Pug parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.

  • Deductible: $100, $250, $500 or $750
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: $5,000, $10,000, $20,000, $50,000 or $100,000

Why we picked and recommended it: We named Lemonade our best overall pet insurance for Pugs for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums usually start at just $10 monthly, the lowest in the industry. We ran a few quotes for a healthy Pug at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $28 and $35 monthly. We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover 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.

2. Best Personalized Pug Pet Insurance

4.9

Spot

Who It’s For: Spot Pet Insurance is ideal for Pug dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.

  • Deductible: $100, $250, $500, $750 or $1,000
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: $2,500 to Unlimited

Why we picked and recommended it: Spot Pet Insurance offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Pug gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company is our top pick for finding a plan for meeting your specific financial needs and those of your pet. Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage. We ran a few quotes for a healthy Pug at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $71 and $77, but prices may vary depending on your location, Pug’s age, and other factors. Spot covers you when your Pug gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.

3. Best No-Cap Payout Pug Pet Insurance

4.9

Healthy Paws

Who It’s For: With no financial cap, it’s ideal for covering major medical or ongoing expenses such as chronic conditions. Beneficial for high-risk breeds such as Pug.

  • Deductible: $100, $250 or $500
  • Reimbursement rates: 70%, 80% or 90%
  • Annual payout limit: Unlimited

Why we picked and recommended itHealthy Paws offers the benefit of no cap payout, meaning there’s no maximum limit on the amount they will pay, which is particularly advantageous for severe conditions or chronic diseases that require ongoing, expensive treatments. With no financial cap, you can choose the best treatments for your pet. This can include access to advanced medical procedures, specialized surgeries, or cutting-edge treatments that might otherwise be prohibitively expensive. Additionally, Healthy Paws stands out for its quick claim processing, typically paying 99% of claims in two days, notably faster than many competitors. 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 $40 and $50. Healthy Paws insurance plans cover accidents and illnesses, cancer, emergency care, genetic conditions, alternative care, etc. They have competitive premium prices and fewer coverage exclusions.

Types of Pet Insurance Coverage For Pugs

There are two main types of pet insurance plans.

It covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Pug was hit by a car. Accident-only plans are typically more affordable than accident and illness policies. This can be a reasonable option for a pet with many pre-existing conditions.

Common items covered by this plan include: broken bones, torn ligaments, bite wounds, poisoning, injuries, emergencies, eye injuries, snake bites and toxic food ingestion.

These policies are the most popular because they cover accidents and illnesses, including unexpected medical expenses. Because no provider covers pre-existing conditions, signing your pet up for coverage as early as possible is crucial.

Common items covered by this plan include: Accidents plus illnesses such as obesity, UTIs, cancer, hypothyroidism, digestive issues, IVDD, vomiting and diarrhea, arthritis and parasites.

Some companies also offer a wellness plan (aka preventative care) during enrollment. This commonly covers routine vet expenses but varies by provider. It’s typically available as an add-on to an accident-only or accident-and-illness policy, but some companies allow you to purchase it without an insurance policy. This add-on coverage isn’t technically an insurance product.

Common items covered by this plan include: Flea, ticket and worm treatments, rabies, microchipping, de-working, teeth cleaning, routine tests, annual exams, spay and neuter and urine analysis.

What Does Pet Insurance Not Cover?

When choosing pet insurance for your Pug, reviewing and understanding your policy’s exclusions is important.

Exclusions vary based on the pet insurance company and the policy you choose. Be sure to review the list of exclusions before purchasing pet insurance to confirm that your Pug is adequately covered by the plan you select and help prevent surprises in the future.

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

Pet Insurance For Pug Puppies

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

Enrolling your pet at a younger age, when they are healthy and less likely to have developed any health issues, means there’s a lower risk for pet insurance companies, which usually means lower premiums.

Because Pugs are predisposed to certain health issues, it’s wise to insure your Pug puppy before any symptoms or diagnoses occur. Most pet insurance providers don’t cover pre-existing conditions. However, if your insured puppy develops a condition later, like cancer, allergies, or diabetes, your policy will likely cover its treatment and ongoing expenses.

Pug puppies are curious and often get into mischief, increasing their risk of accidents and infections from bacteria or viruses.

Raising a puppy comes with various expenses, including vet bills. On average, 81% of pet parents spend up to $500 on veterinary visits during their puppy’s first year. Additionally, the ASPCA notes that the upfront costs of first-year pet ownership can exceed $1,000, including expenses for toys, food, and medical care.

Average Cost of Pugs Vet Bills

This is what you will pay out-of-pocket on average if you don’t have pet insurance or a wellness plan.

Average Cost of Typical Vet Procedures

Typical Vet ProcedureAverage Cost of Procedure
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

Average Cost of Emergency Vet Procedures 

Typical Vet ProcedureAverage Cost Of Procedure
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 days holspitalization$1,500 - $3,500
Wound treatment & repair$800 - $1,500
Emergency surgery$800 - $2,500
Oxygen therapy500

Sources: 5 & 6

Factors That Impact the Cost of Your Pug Pet Insurance Policy

Understand Insurance Policy Basics

  • Premium. The amount you pay monthly or annually for your pet insurance policy.
  • Deductible. The money you need to pay out-of-pocket for veterinary expenses before your policy begins to reimburse you. This is typically reset each policy period (annually). However, some pet insurance providers have per-incident deductibles, which you must pay for every new condition your dog suffers before receiving any reimbursement for that incident. Annual vs. per-incident deductibles can impact the amount you’re expected to pay, so read the policy before committing to a company.
  • Reimbursement rate. The percentage of the vet bill the insurance company will pay after you meet your deductible. The most popular reimbursement options are 70%, 80%, and 90%. However, some companies provide different or limited options depending on the dog’s age or location.
  • Annual payout limit. The maximum amount the insurance company will pay in medical bills per year. Having lower payout limits could result in you covering more of the expenses if your pet requires costly veterinary care.
  • Co-pay (co-insurance). The portion of the veterinary bill you must pay after your deductible is met, before reimbursements. In broader health insurance contexts, a “co-pay” often refers to a fixed amount (for example, $20 per doctor’s visit), regardless of the total bill, whereas “co-insurance” is typically a percentage of the total cost.

How Does Pug Pet Insurance Work?

Imagine your Pug’s pet insurance policy has the following terms:

  • Annual deductible: $250
  • Reimbursement rate: 90%
  • Annual payout limit: $20,000
  • Co-insurance: 10%

Now, let’s say your Pug incurs a veterinary bill of $5,000 for medical treatment.

  • Paying the deductible: The first step is to pay your deductible, which, in this case, is $250.
  • Applying co-insurance: After the deductible, there’s $4,750 left ($5,000 – $250). The co-insurance of 10% applies to this amount. This means you are responsible for 10% of $4,750, which equals $475.
  • Insurance pays the rest: The insurance will cover 90% of the post-deductible amount. So, the insurance pays 90% of $4,750, which is $4,275.
  • Total out-of-pocket cost: Adding up your deductible and co-insurance payments gives you your total out-of-pocket cost: $250 (deductible) + $475 (co-insurance) = $725.

This example assumes you haven’t yet met your deductible for the year. If you’ve already met your annual deductible, you won’t have to pay again for this or any new claims within the same policy year. And, since every claim you make contributes to your annual payout limit after the insurance company pays $560 for this claim, the remaining yearly payout limit is $20,000 – $4,275 = $15,725.

Frequently Asked Question

Pet insurance for a Pug puppy starts at $52 on average.

To save money on pet insurance for your Pug, consider paying your premiums annually instead of monthly. This is because many insurance companies charge additional transaction fees for monthly payments, which can be reduced or eliminated with annual payments. Additionally, if you have multiple pets, look for insurers that offer multi-pet discounts. This can lead to up to 10% savings on each pet’s insurance over their lifetime. However, it’s important to note that some companies only apply these discounts to additional pets, not the first one, so check this detail before signing up for a new policy.

Ideally, as early as possible, typically 6-10 weeks old, to ensure coverage for breed-specific conditions.

Pugs are prone to certain breed-specific health issues like encephalitis, hip dysplasia, breathing issues and eye problems, which pet insurance can cover more effectively and take out the financial burden of covering all the costs yourself.

Yes, but options may be limited, and premiums higher due to the increased risk of health issues.

Typically, you pay the vet bill upfront, submit a claim form to the insurance company, and get reimbursed as per your policy.

Pug Pet Insurance — Conclusion

Pet insurance protects you from the unexpected. Pet owners often pay for their pet’s medical expenses out of pocket. However, most people 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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Disclaimer: The details about insurance company offerings, including prices, availability, and contract specifics, can change at any time and are at the discretion of the insurance company. This website does not control these changes. The information provided here is for reference only. It is important to thoroughly read and understand your policy before signing up for a new insurance contract, as your situation may differ from the examples used in this article.

Sources

Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process and product review methodology to learn more about how we fact-check, test products, and keep our content accurate, reliable, and trustworthy.

  1. Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
  2. Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
  3. Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
  4. O’Neill, D. G., Sahota, J., Brodbelt, D. C., Church, D. B., Packer, R. M. A., & Pegram, C. (2022). Health of Pug dogs in the UK: disorder predispositions and protectionsCanine Medicine and Genetics9(1).
  5. Levine, J. M., Fosgate, G. T., Porter, B., Schatzberg, S. J., & Greer, K. (2008). Epidemiology of Necrotizing Meningoencephalitis in Pug DogsJournal of Veterinary Internal Medicine22(4), 961–968.
  6. Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
  7. Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
Editorial Team at Canine Bible | + posts

Canine Bible authorship represents the unified voice of our entire editorial team and our in-house veterinarians rather than a single author. Each article, blog post, and review published under the Canine Bible name undergoes a rigorous review process, involving all team members to guarantee accuracy and up-to-date in accordance with the latest veterinarian research. This collaborative effort is an integral part of our editorial process and aligns with our four pillars of content creation. This approach ensures our content is backed by expert knowledge and factual information, offering our readers reliable, actionable, and trustworthy content.


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