Pug pet insurance: What coverage do I need? | finder.com

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Compare Pug pet insurance

This little, flat-faced dog could use wide coverage to ward off health problems.

Multum in parvo is Latin for little in much, the Pug’s reigning motto. But this little breed packs in as much personality as it does health problems, like breathing, joint or eye conditions. These combined with a high sensitivity to heat make your Pug a risky dog to insure. Yet buying comprehensive pet coverage shouldn’t set you back much more than protecting the average dog — around $50 a month.

How do I compare pet insurance for my Pug?

Your peppy Pug won’t top the list for high pet insurance premiums because of their small size and docile personality. But this breed’s common health problems could hike up costs accordingly.

  • Lifespan. Pugs fill your life with 13 to 15 years of fun. You could see a lower premium than dogs with shorter lifespans.
  • Weight. This pup is dubbed a toy breed, weighing around 14 to 18 pounds. Their small size could bring down your insurance costs.
  • Temperament. Pugs would rather lounge around and greet strangers as new friends than meddle with mischief. So you may not need accident or liability coverage as much as other breeds.
  • Health problems. This breed does bring several health challenges to the table, warranting coverage for both accidents and illnesses.
  • Exercise. Pugs don’t require much exercise, but they do need a cool place to rest during exercise or daily activities. These fur babies can overheat easily even in mild weather.

What’s the best pet insurance for a Pug?

Pugs have the flat face of any brachycephalic breed and come with a variety of breed-related illnesses. That’s why an accident and illness policy may work best for this pup. This policy covers random injuries and illnesses while including coverage for hereditary conditions. In some cases, a longer waiting period may apply to certain conditions.

Other types of coverage to consider:

  • Accident and illness coverage to help pay for injury, illness and hereditary problems
  • Routine care may help with routine checkups like eye screenings
  • Breeding and pregnancy coverage can protect your Pug from common labor problems if your Pug is used for breeding

Compare Pug insurance policies

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Dogs, Cats
For $19/month, access 24/7 vet support and $3,000 for one pet emergency a year.
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses, Exotic pets
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
Pets Best
Dogs, Cats
Get up to 90% of your vet bills reimbursed directly into your bank account. Plus, access coverage options with no annual limit.

Compare up to 4 providers

What is the average cost of pet insurance for a pug?

You could pay anywhere from $40 to $55 per month, according to Embrace Pet Insurance. That cost lands slightly higher than the standard $40 a month you can expect for other dogs. However, a purebred Pug’s health problems likely raise that cost up.

What common health problems can Pugs get?

Your Pug can suffer a number of serious illnesses stemming from their flat noses and sturdy stature. Watch out for these common genetic illnesses:

  • Dermatitis developing in the folds of a Pug’s skin
  • Heatstroke from their inability to cool down quickly
  • Joint diseases — including arthritis and a hip disease that cuts off the leg’s blood flow
  • Luxating patella — rotating kneecaps
  • Pigmentary keratopathy — a clouded cornea
  • Restricted breathing due to the Pug’s flat face
  • Spinal problems caused by deformed vertebrae
  • Tracheal collapse

How much do treatments cost?

ConditionExpected treatment cost
Arthritis$30 to $160 for regular prescriptions
Luxating patella$1,600 to $3,000 per knee
Spinal surgery$1,500 to $4,000

Fun facts about your Pug

  • Pugs have a laid-back but fun personality with an aim to please. While they may have low exercise needs, these pups love cuddling and spending time with their humans.
  • The Pug originated in China as a companion dog for royalty. The breed’s popularity spread in Holland, especially after a Pug alarmed Prince William from the House of Orange about intruding Spanish soldiers.
  • The breed’s name may come from the Latin word pugnus meaning fist. The name could refer to the Pug’s flat face and round head.
  • A group of pugs is sometimes called a grumble.

Bottom line

As with any purebred, Pugs come with their own set of health problems related to their breed. While some problems require simple steps to prevent major issues, their common joint or eye conditions could deplete your bank account several thousand dollars. Consider how much an accident and illness pet insurance policy could help if these illnesses show up.

Frequently asked questions about Pug health

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