Best Pet Insurance for Pugs (2023)

by | 1/31/2023

Bred for Chinese emperors and guarded by royal soldiers, the Pug breed is a true treasure. If you’re a pug parent, you know these wrinkly-faced, curly-tailed pups deserve all the praise in the world.

You also know your Pug is prone to many health issues that can rack up hefty vet bills. To help you take care of your precious pal, we’ve reviewed the best pet insurance for Pugs.

With the right pet insurance plan, you’ll pay predictable monthly premiums for coverage of surprise veterinary bills.

This article will answer these questions:

  • Why is Pug insurance important?
  • How much does Pug insurance cost?
  • What is the best pet insurance company for Pugs?
  • Is Pug insurance worth it?

Our Top 3 Picks for Pug Insurance





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$100 to $1,000

$100 to $500

$200 to $1,000

Average Monthly Cost for Pugs*




Multi-pet Discount




Wellness Add-on




BBB Rating




*For these price ranges, we selected each provider’s middle-tier coverage level for Pugs ages one and six.

Why is Pug Insurance Important?

Like all purebred dogs, the Pug has been selectively bred over time to look a certain way.

For this reason, purebred Pugs are at risk of inheriting genetic diseases that have developed in the breed across generations.

Before buying a Pug, be sure to research common breed-specific health problems. We’ve listed a few below to help you know what to expect.

  • Pug Dog Encephalitis
  • Patellar Luxation
  • Hemivertebrae
  • Elongated Palate
  • Seizures
  • Demodicosis
  • Legg-Perthes disease
  • Nerve degeneration
  • Canine hip dysplasia
  • Obesity
  • Keratoconjunctivitis Sicca
  • Stenotic nares

Emily Shiver, certified veterinary practice manager and 365 Pet Insurance’s Veterinary Advisor, clued us in on some costs associated with breed-specific conditions for Pugs.


Estimated Expense

Hip dysplasia

  • $100-$300 per month for medical maintenance
  • $3,500-$7,000 per hip for surgery


  • $250-$1,000 for testing
  • $150-$300 per month for symptom management

Respiratory Disease or Brachycephalic Airway Syndrome

  • $500-$2,000 for acute onset treatment
  • $800-$5,000 for surgical correction


  • $300-$1,000 to treat seizure episode
  • $300-$10,000 for further diagnostic testing


  • $3,000-$4,000 per eye for treatment

You might incur costs of $100-$300 per month to medically manage your Pug’s conditions like hip dysplasia and allergies. A pet insurance plan will reimburse you for up to 70-90% of those costs.

Most dog insurance plans cover hereditary and congenital diseases genetically present in Pugs. We recommend buying pug insurance as early as possible to avoid your dog developing any pre-existing conditions.

How Much Does Pet Insurance for Pugs Cost? 

Pug insurance typically costs around $40-$50 per month. This monthly premium will vary depending on your dog’s age and location, and breed. For example, you’ll probably pay more for a mixed breed Pug, an older dog, or one in a costly area.

You can always retrieve free online quotes to find your dog’s specific premium. 


Estimated Monthly Cost







New York


Best Pet Insurance for Pugs 

In the next section, we’ll review some top pet insurance companies that offer excellent coverage for Pugs. These providers have customizable plans and add-on packages so that you can select the best option for your beloved buddy.

Spot for Pugs 

Spot pet insurance offers highly customizable pet insurance policies for your Pug’s accidents and illnesses. You can also select an accident-only policy for injury coverage.

Spot’s accident/illness plan covers conditions your Pug is prone to, such as hip dysplasia, joint issues, bloat, and more.

Here are some other covered items and exclusions from Spot:

What’s Covered

What’s Not Covered

  • Unexpected accidents and illnesses
  • Congenital and hereditary conditions
  • Behavioral issues
  • Emergency medical care
  • Surgery and hospitalization
  • Prescription medications
  • Tooth extractions
  • MRIs, CT scans, and X-rays
  • Pre-existing conditions
  • Accidents or illnesses that occur during waiting periods
  • Breeding costs
  • Cosmetic procedures

Routine veterinary care is essential for keeping your Pug happy and healthy. Spot offers two preventive care packages to help you save on your pet’s needs. 

The Gold package costs $9.95 per month and reimburses up to $250 for services like dental cleanings, wellness exams, vaccinations, parasite tests, and deworming. The Platinum package costs $24.95 per month and reimburses up to $450 for additional services like fecal tests, blood work, health certificates, parasite preventatives, and more.


  • No upper age limits
  • Highly customizable plans
  • Add-ons for preventive care


  • Higher monthly premiums
  • No prescription pet food coverage

Read more in our Spot pet insurance review.

Lemonade for Pugs

Lemonade is an excellent option for pet parents seeking affordable yet comprehensive coverage. 

Lemonade pet insurance covers hereditary and congenital conditions like hip dysplasia and eye disorders that might affect your pug. It also covers chronic conditions like allergies and arthritis. This means you’ll get coverage and reimbursement for these issues if they occur unexpectedly in your furry friend.

What’s Covered

What’s Not Covered

  • Unexpected illnesses and injuries
  • Diagnostic testing
  • MRIs, CT scans, X-rays, and ultrasounds
  • Surgery and hospitalization
  • Emergency care
  • Specialty care
  • Injections
  • Prescription medications
  • Accidents or illnesses that occur during waiting periods
  • Pre-existing conditions
  • Dental illness
  • Spay/neuter procedures for pets over 2 years old

Lemonade offers two preventive care packages. 

The Preventative package costs $16 per month and reimburses you for a percentage of costs associated with a wellness exam, fecal test, heartworm test, blood test, and three vaccines. The Preventative+ plan costs around $24 per month and reimburses you for wellness exams, vaccinations, parasite tests, parasite preventative medications, and a routine dental cleaning.


  • Competitively low monthly premiums
  • Optional wellness add-ons
  • User-friendly online platform


  • Upper age limits
  • Not available in all states

Learn more in our Lemonade pet insurance review.

ASPCA for Pugs 

ASPCA pet health insurance covers several Pug-specific conditions like hip dysplasia, arthritis, eye disorders, allergies, and more. The provider offers customizable plans with low deductible options, so your coverage will kick in sooner.

Here are ASPCA’s coverage and exclusions:

What’s Covered

What’s Not Covered

  • Injuries and illnesses
  • Hereditary and congenital conditions
  • Behavioral issues
  • Exam fees
  • Diagnostic testing
  • Microchip implantation
  • Chemotherapy
  • Acupuncture
  • Hospitalization and surgery
  • Emergency medical care
  • Pre-existing conditions
  • Cosmetic procedures
  • Breeding costs
  • Accidents or illnesses that occur during waiting periods

You can select one of ASPCA’s optional wellness packages to maintain your Pug’s health. 

The Basic Preventive Care plan costs $9.95 per month and reimburses up to $250 for services like parasite tests, vaccinations, deworming, wellness exams, and dental cleanings. The Prime Preventive Care plan costs $24.95 per month and reimburses up to $450 for parasite tests, parasite medications, deworming, dental cleanings, vaccinations, health certificates, and more.


  • Microchip implantation coverage
  • Low deductible options
  • Partner of the American Society for the Prevention of Cruelty to Animals


  • Annual coverage capped at $10,000
  • Poor customer ratings

Read more in our ASPCA pet insurance review.

Embrace for Pugs

Embrace offers accident/illness coverage for many conditions that might affect your Pug. We like Embrace’s Healthy Pet Deductible program, which reduces your deductible by $50 for every year you don’t submit a claim.

Take a look at some of Embrace’s covered items and exclusions:

What’s Covered

What’s Not Covered

  • Chronic conditions
  • Dental injuries
  • Genetic conditions
  • Prescription medications
  • Allergy testing
  • CT scans, MRIs, X-rays, and ultrasounds
  • Emergency care
  • Hospitalization and surgery
  • Physical therapy
  • Pre-existing conditions
  • Accidents or illnesses that occur during waiting periods
  • Cosmetic or elective procedures
  • Breeding costs

Embrace offers routine care coverage that’s a little different from other options on the market. With Embrace Wellness Rewards, you’ll pay $19-$52 per month for $250-$650 in preventive care reimbursements. The packages are flexible; in addition to routine veterinary care, they cover non-medical services like grooming, training classes, and nail trimmings. 

The plans will save you about $25 per year, so we recommend purchasing one if you mainly need help budgeting your pet’s routine care costs.


  • Flexible pre-existing condition policy
  • Healthy Pet Deductible program
  • Wellness Rewards packages for routine care


  • No unlimited annual coverage option
  • Upper age limits for accident/illness coverage

For more information, read our Embrace pet insurance review.

Healthy Paws for Pugs

Healthy Paws pet insurance provides accident/illness coverage for dogs and cats. It’s a great option for illness-prone breeds like Pugs because every plan has an unlimited annual and lifetime payout. This means you’ll never run out of coverage, no matter how many claims you submit.

Healthy Paws covers many veterinary services your Pug might need.

What’s Covered

What’s Not Covered

  • Unexpected accidents and illnesses
  • Hereditary and congenital conditions
  • Chronic conditions
  • Diagnostic testing
  • X-rays, blood tests, and ultrasounds
  • Surgery and hospitalization
  • Prescription medications
  • Emergency care
  • Specialty care
  • Pre-existing conditions
  • Spay/neuter procedures
  • Elective procedures
  • Preventive care
  • Office fees and exam fees
  • Accidents or illnesses that occur during waiting periods

Healthy Paws doesn’t offer any add-on packages. It’s best for pet owners who just want health insurance coverage for unexpected veterinary visits. 

We recommend retrieving a pet insurance quote before purchasing a Healthy Paws plan. The provider limits plan customizability based on your pet’s age, so you need to make sure you’re getting optimal coverage for your specific animal.


  • Comprehensive accident/illness coverage
  • Quick claims reimbursement
  • Unlimited annual and lifetime payout on all plans


  • No discounts or add-on packages 
  • Coverage and customizability limited by age

Check out our Healthy Paws pet insurance review for more information.

Is Pet Insurance for Pugs Worth It? 

Pet insurance is worth it for illness-prone breeds like Pugs. We know you take excellent care of your curly tailed baby, but emergencies happen.

Let’s say your Pug has a seizure, and you rush it to the emergency clinic.

Treatment for the unexpected seizure episode could cost $300-$1,000, depending on the severity of the situation. The vet will then conduct diagnostic testing – such as blood work, MRIs, and other scans – which could cost $300-$10,000.

If your total bill for the incident came out to $6,000, you’d pay the whole amount without pet insurance. With pet insurance, you’d pay the $6,000, submit a claim for the incident, and then get up to a 90% reimbursement. 

Even if you paid $50 per month in premiums for a higher reimbursement plan, you’d make up annual costs with this one emergency visit.

Final Thoughts

We hope this article helps you find the best pet insurance for Pugs. Your Pug makes you feel like royalty, and it deserves the same treatment in return. With a solid pet insurance plan, you’ll have peace of mind knowing you can choose the very best care for your Pug without having to worry about costs.

If you’re still curious about the companies we discussed, you can check out our comprehensive pet insurance provider reviews for more information. You can also dive into our dog breed articles to find great insurance for the rest of your furry family members.

Our Methodology

Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.