Best Pet Insurance for Pugs in the USA - Pug Facts (2024)

If you’re looking for the best pet insurance for pugs in the USA, there are a number of factors you need to consider before signing up for a new policy.

Dogs are considered man’s best friend because of their fierce loyalty. And what better breed to own than a pug. They are adorable, loving, attentive, pleasant, and mischievous, all in one. But, their trademark stout body, short legs, and flat faces can make them prone to several health issues.

That is why it is crucial to have pet insurance for your pug in case an unexpected injury or illness occurs. Pet insurance can cover part or all of the veterinary treatment.

Best Pet Insurance for Pugs in the USA - Pug Facts (1)

How Much Is Pet Insurance for a Pug?

Like any other type of insurance, pet insurance coverage and costs vary based on the situation. Pet insurance can range from $10 – $100 per month. But, generally speaking, pug owners can expect to pay around $40 – $50 a month.

However, this amount can change as it can be affected by different factors such as:

  • Age of your pug
  • Your zip codes
  • The pug’s overall health
  • The pug’s pre-existing conditions
  • Your financial standing

With so many pet insurance options, it can be hard to know the brands worth the money. There’s no golden apple of pet insurance. As a pug owner, you’ll find that you have different needs from the next owner, so it’s up to you to look at various providers to figure out which one fits you best.

So, let’s look at the different pet insurance providers below. As a pug owner, you can go through to find the best pet insurance for pugs coverage to suit your pug’s needs — whether it’s affordable, premium, or broader coverage.

Embrace Pet Insurance

Best Pet Insurance for Pugs in the USA - Pug Facts (2)

Embrace is best for superior benefits for your pug’s insurance. They have an annual deductible of $200, $300, $500, $750, or $1,000. They will offer you a unique benefit by lowering your deductible by $50 each year you don’t receive a claim payment.

This means that if your pug doesn’t require medical treatment, you’ll lower the amount you pay out-of-pocket before coverage begins. Their reimbursem*nt rate is between 65%-90%. The waiting period is 14 days for illnesses, two days for injuries, and six months for orthopedic conditions.

Embrace offers coverage for a wide variety of injuries, ailments, and health services such as:

  • Accidents
  • Illnesses
  • Dental problems
  • Cancer treatment
  • Chronic conditions
  • Exam fees
  • Alternative therapies (physical therapy, acupuncture, chiropractic, and more)
  • Behavioral therapy
  • Specialist care
  • Diagnostic testing
  • Hospitalization and surgery
  • Prosthetics and mobility devices
  • Prescription drug coverage

They also offer coverage for breed-specific and genetic conditions. This is great if you’re worried about your pug developing a hip or bone problem in the future. This insurance policy will give you ease of mind as a pug owner.

As much as they can cover all the above, there are some cons. They won’t provide coverage for pre-existing conditions. This means it’ll cover chronic conditions that your pug develops after your policy starts, but it won’t cover any condition the pug has when you sign the contract. You’ll need to have visited a vet in the past year before you can sign. They also lean towards the pricey side.

With Embrace pet insurance, you can take your pug to any licensed veterinarian in the USA. Also, there is a 30-day money-back guarantee, whereby if you aren’t happy with the insurance, you can cancel your policy and walk away with no incurred costs.

Fetch by the Dodo

Best Pet Insurance for Pugs in the USA - Pug Facts (3)

Previously known as Pet Plan, Fetch by The Dodo is another good pet insurance company. It has an annual deductible of $250-$1000. The reimbursem*nt rate is between 70%-90%. The waiting period for the insurance is 15 days for accidents and illnesses, plus six months for hip dysplasia, cruciate ligaments, and patella.

Fetch Pet offers coverage for:

  • Accidents
  • Illnesses
  • Exam fees
  • Specialist visits
  • Comprehensive dental
  • Breed-specific conditions
  • Virtual vet visits
  • Diagnostic tests
  • Imaging and ultrasounds
  • Behavioral therapy
  • Cancer treatment
  • Surgery and rehabilitation

Another convenient thing about Fetch Pet insurance is that they have an accessible online presence for submitting claims, with 24/7 customer service. Also, you can customize your policy in whichever way you want.

Fetch Pet insurance does not cover pre-existing conditions, preventative care, cosmetic procedures, and prescription food when it comes to cons.

Pets Best Insurance

Best Pet Insurance for Pugs in the USA - Pug Facts (4)


Pets Best is incredible for choices of deductibles for your pug insurance. Its annual deductibles range from $50-$1000. These deductibles are paid annually, not per incident. Their reimbursem*nt rate ranges between 70%-90%.

The waiting period for Pets Best insurance plan is 14 days for illnesses and three days for accidents. If the routine care plans coverage is added, you can use it on your policy effective date. This will be effective from the date you purchase the policy.

Pets Best offers coverage for injuries, illnesses, accidents, surgeries, chronic conditions, wheelchairs, prosthetics, etc. You can add a pet wellness plan to cover routine and preventative costs, including vaccination, dental cleaning, deworming, neutering, and checkups for more protection. You can use your Pets Best Insurance at licensed veterinarians in the United States, Canada, and Puerto Rico.

The cons of Pets Best are that they don’t cover pre-existing conditions, including those that a vet may not have previously diagnosed.

ManyPets

Best Pet Insurance for Pugs in the USA - Pug Facts (5)


ManyPets is the best for the lowest out-of-pocket claims cost. It has an annual deductible that ranges from $0 to $750. The reimbursem*nt rate ranges between 70%-100%. It is the only pet insurance that has a 100% reimbursem*nt rate. In a state like Georgia, you can choose 100% reimbursem*nt and a $0 deductible, meaning no out-of-pocket costs for a claim. There is a 14-day waiting period for all covered conditions.

ManyPets offers coverage for:

  • Accidents
  • Illnesses
  • Veterinary examinations
  • Diagnostic testing (X-rays, lab tests, etc.)
  • Prescription medication
  • Surgeries
  • Medical supplies
  • Hospitalization
  • Euthanasia and cremation
  • Hereditary conditions
  • Congenital conditions
  • Cancer treatment
  • Chronic conditions
  • Alternative therapies
  • Dental injuries and periodontal disease

Unfortunately, it also has cons. First, it isn’t available in states like Alaska, Florida, Hawaii, Idaho, Massachusetts, Minnesota, Missouri, Oklahoma, or Vermont.

However, there are plans to make it available nationwide. Also, it doesn’t cover pre-existing conditions and behavioral medication or therapy. One will have to pay more for a pet wellness plan for routine or preventative health care.

How Do You Choose the Best Insurance for Your Pug?

As a pug owner, when you are spoiled for choice with many insurance policies, it’s best to look at the following to know the best insurance for pugs.

Policy Terms

Ensure the pet insurance has a clear outline of what you are to expect if you enroll as a policyholder. Ensure you thoroughly go through their deductibles, reimbursem*nt rates, waiting period, benefit limits, and discounts.

Coverage Inclusion and Exclusions

Ensure you go through what will and won’t be done for your pug.

Eligibility

Ensure that you can use the pet insurance nationwide or it is eligible in the state where you reside. Also, ensure that you can get the pug pet insurance no matter the age of your pug.

Customer Review

With each pet insurance you consider signing up for, go through the customer reviews as it will give you an honest look into the customer service experience and the policies offered.

How Do You Buy a Pug Pet Insurance Plan?

You can compare pet insurance quotes among different insurers to find the policy that fits your budget. Free pet insurance costs are available online. Most pet insurance companies will offer free quotes after you answer a few questions about your pug.

Is Pug Pet Insurance Worth It?

If your pug gets an injury or illness, fully covering the veterinary medical bill out-of-pocket can be very costly. Pet insurance will be a good safety net to help cover some of the costs incurred.

Hopefully our list of best pet insurance for pugs in the USA has given you the guidelines you need when selecting the best pet insurance for your dog.

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Best Pet Insurance for Pugs in the USA - Pug Facts (2024)

FAQs

Is pet insurance worth it for pugs? ›

Getting dog insurance will help ensure that your Pug will get the care they need at any stage of their life. Doing the right thing for your Pug should never be restricted by costs, and that's why having pet insurance coverage reimburse you for your vet bills is often a literal life-saver.

Can pugs be insured? ›

To help protect your Pug from unexpected vet costs, you can insure your Pug through one of our dog policies. Insuring your Pug from an early age can help protect you against vets fees for conditions that may appear when they are young.

What is the best thing about pugs? ›

Pugs are also known to be great family dogs and are very playful and affectionate with children. Also, because of their mouth shape, pugs have trouble delivering an aggressive bite and so are considered to be on the more kid-safe end of the breed spectrum. 2. Pugs tend to be smart, observant, and quick learners.

Are pugs more expensive to insure? ›

Pug insurance can be expensive depending on your area and the risk of illness for the dog. As pugs do have common breed problems (such as pug dog encephalitis or brachycephalic dogs) then this will have an effect on how much does a pug insurance policy cost.

How much should you spend on pet insurance dog? ›

Most pet owners can expect to pay between $20 and $50 per month for an accident and illness plan with decent coverage.

Are pugs high risk? ›

Pugs are almost twice as likely to experience one or more disorders annually compared with other dogs. These findings suggest the Pug can no longer be considered a 'typical dog' from a health perspective and urgent action is required to reduce the high rate of health issues associated with the breed.

How much does a Pug cost? ›

The price of a Pug at a breeder generally ranges from $1000-$3000. The price will depend on several factors: The location of the breeder. The rules of supply and demand pertain to dogs as well so larger metropolitan areas are often more expensive.

Will a Pug protect its owner? ›

Protective. Pugs are moderately protective of their territory, their food, and their people. Are Pugs Good Guard Dogs? These alert dogs will keep an eye and ear out for people approaching your home, and they'll bark until they are sure you know guests have arrived.

How long do pugs live for? ›

How long do pugs have to live? ›

According to the American Kennel Club, pugs have an average life span of about 13 – 15 years. Like humans, female pugs tend to live longer than their male pug counterparts. The average life expectancy for female pugs is 13.2 years, while males have a shorter life span of about 12.8 years. What is this?

How loyal is a Pug? ›

Pugs are loyal through and through, and they're pretty much happy just to hang out with you, especially if there's a treat involved.

What makes pugs happy? ›

Pugs really like socializing with other people and dogs, but most of all they like doing whatever it is their owner is doing. They are like little shadows that follow their owner around and they're happy just to hang out with their favorite person and feel like they're involved.

Which pug is better male or female? ›

It is generally assumed that males are more mischievous, energetic, confident and bold while females are shy and a bit more relaxed. As a result, they are considered much easier to train and house break than the male.

What does owning a pug say about you? ›

People who love pugs enjoy laughing and are overall very cheery, positive people. They're not always the most sporty (or coordinated), but that's OK. They adore being pampered and taken care of, just like their furry counterparts. Pug lovers are open-minded and tend to be on the artistic side.

How much should I spend on a pug? ›

How much do pugs cost if I buy a pug from a reputable breeder? If you are buying a purebred pug from registered parents you can expect to pay anywhere from about $1,200 – 2,500. If your pug comes from a champion line and is show quality, they can cost even more.

How much is the most expensive pug? ›

White Pugs are very rare to find and due to this, the market demand is high making them very expensive. What is this? Regular white Pugs can cost between $1,500 and $6,000. However, the albino breed is rarer to find than a typical white Pug and their market value can go up to $19,000.

Which dogs cost most to insure? ›

According to LendEDU's analysis, these three breeds carry the most expensive pet insurance premiums:
  • Newfoundland: $100.79 per month.
  • Dogue De Bordeaux: $94.19 per month.
  • Jack Russell Terrier: $89.53.
Feb 17, 2023

What should you look for in dog insurance? ›

These can include (but are not limited to): the type of policy; age of your pet; your pet's health; claims or treatment history; where you live; purchase price; the breed of your pet; and if it is male or female. Claims costs and the amount vets charge for treatment can also impact premiums.

At what age should you get your dog pet insurance? ›

It costs less to insure a young pet

That cutoff age is typically between seven and 14 years. It's also more expensive to insure an older dog. That's why many experts typically recommend that you start insuring your pet when they're still a puppy or a kitten.

Are pet plans worth it? ›

We highly recommend getting insurance for all pets to help manage sudden costs should your pet get sick, ensuring they get the best care they can. We also recommend health plans for most pets for a number of reasons.

What is the most common cause of death in pugs? ›

Cancer is the most common cause of death of pugs in their golden years, and younger pugs are especially prone to mast cell tumors and oral melanoma (skin cancer of the mouth).

Are pugs a one person dog? ›

Pugs get extremely attached to their owners, and often choose to hang out with humans over other dogs. They also love their own kind, and will hang out with other pugs in social situations.

Why does my Pug follow me everywhere? ›

If your dog follows you everywhere then it's a sign that they trust and love you and that you make them feel safe. Following you very closely can be a sign that they're bored, they want something, they're feeling scared or are just being nosy.

What are the four types of a Pug? ›

The FCI recognizes four colors for pugs: silver, apricot, fawn and black.

Is Pug a lazy dog? ›

Pugs are naturally a little lazy and typically sleep 14 hours a day. They also adore food and have irresistible begging skills, so it's important to monitor your Pug's weight to avoid obesity. While they can't go jogging or partake in any strenuous exercise, Pugs do need to maintain a fit lifestyle.

How can you tell if a Pug is purebred? ›

Physical appearance
  1. If a Pug looks lean with thin legs, it is not a purebred Pug. Purebred pugs have thick, strong legs and have mass on their bodies.
  2. Purebred Pugs have deep wrinkles on their face.
  3. They also have moles on their cheeks.
  4. Their coat comes in 2 colours only.

Do pugs know they are loved? ›

Yes, your dog knows how much you love him! Dogs and humans have a very special relationship, where dogs have hijacked the human oxytocin bonding pathway normally reserved for our babies. When you stare at your dog, both your oxytocin levels go up, the same as when you pet them and play with them.

Can you over walk a Pug? ›

An exercise regime starts from when your Pug is a puppy and should be strictly controlled. Your puppy should not be taken on excessively long walks, be allowed to run up and down stairs or jump on and off furniture. This type of activity can lead to joint problems, so stick to gentle play.

What temperature is too cold for a pug? ›

50-60 degrees and higher are safe temperatures for your dog. 85+ degree temperatures are a different beast in itself, but we're just talking about cool to cold temperatures here. 45 degrees or so are generally acceptable, but you'll still want to keep an eye on how your dog is handling itself in these temperatures.

What do pugs need to survive? ›

Pugs are small and tend not to roam very much, so they're well suited to life in a flat, apartment or modest living space. Although they don't need as much exercise as larger dogs, Pugs are candidates for obesity so maintaining their daily exercise routine is very important.

What age do pugs love to? ›

Pugs are fairly robust and often live to 14 or 15 years of age. Pugs do best with some daily exercise to help with their weight problems.

What are pugs known for? ›

The Pug has been bred to be a companion and a pleasure to his owners. He has an even and stable temperament, great charm, and an outgoing, loving disposition. Pugs live to please their people, so they are generally easy to train. Their feelings are easily hurt, and harsh training methods should never be used.

What are pugs good for? ›

Pugs are a popular pet for many people and easily adapt to different living environments, from busy family homes to quiet single owner households. Their friendly and playful nature, along with their small size, makes them ideal playmates for children.

How often do pugs need vets? ›

After a cat or dog has reached one year of age, they generally just have to visit the animal hospital or veterinary clinic once a year. During this annual vet visit, animals will have a complete physical to check for any signs of concern. Additionally, updated booster shots will be given during annual visits as needed.

How do pugs choose their favorite person? ›

Like their human counterparts, dogs develop favorite people over time based on positive experiences and positive associations with that person. Some people use tasty treats and other rewards to create strong bonds with pets, but the best way to build a healthy relationship with your dog is through play.

How many hours do pugs sleep? ›

Adults - Adult Pug dogs sleep roughly 14 per day. There are some reasons for sleeping less or more (discussed ahead). This may seem like a lot - especially when compared to how much we get- however most of this will be done at night.

Do pugs remember people? ›

In short, your dog will remember you and your scent forever. A dog's memory is so complex and good at the same time that he will remember how you look, smell, voice, movements, and any specific events and the emotions and feelings associated with you or each person they've met.

How do I know if my pug is sad? ›

How do you know if your dog is depressed?
  1. Exhibiting low activity levels.
  2. Loss of interest in the things they once enjoyed.
  3. Change to eating habits, often eating substantially less (or not at all)
  4. An increase in amount of time spent sleeping.
  5. Showing signs of anxiety or aggression through sporadic howling or whining.
Mar 9, 2022

Do pugs like to be kissed? ›

Once you get a pug, he or she will be your bestie for life. They love belly rubs, head scratches, giving kisses and snuggling with their human, and they will gaze at you as if you're the best person in the world.

How often does a Pug need a bath? ›

How Often a Pug Needs a Bath. Most Pugs need to be given a bath once every 3 weeks, even if they appear to be clean and smell just fine. Baths are given at this interval because the body is constantly producing oils that are excreted through the hair follicles.

How do you pick a cute Pug? ›

Avoid breeders who have a lot of dogs that are readily available and who sell multiple breeds. Look for quality over quantity. Choose pugs with deep-set eyes, be sure that they breathe clearly when active and a walk with a normal gait. Be aware that some health problems won't show up until they become adults.

Why are black pugs cheaper? ›

The Black Pug falls under the Toy breed and they are known for being extremely cute. These dogs are normally born in litters of one to nine puppies, although four to six puppies is most common. Because the Black Pug is less popular than fawn Pugs, you may end up spending only $500 to $800 on a Black Pug puppy.

Do pugs know their name? ›

Studies have shown that dogs process language in a similar way that humans do, using both sides of their brain to understand body language, tone of voice, and context clues. With this method, dogs can learn many different words, including their own name and various nicknames. Dogs learn through associations.

Why did my Pug bite me? ›

They mouth or nip during play, or out of excitement or impatience: Some dogs may mouth your hand or nip at your heels while playing with you, especially when they're excited or being chased. Herding breeds and those with a higher prey drive may also nip or bite as a natural instinct.

What are the negatives of a Pug dog? ›

Health risks – Pugs are prone to various throats, ears, eyes, folds, facial infections, and breathing troubles; hence they will require regular health check-ups. Pug dogs are not highly trainable – it will be difficult to train a pug to do not-so-easy activities even if you hire a professional.

What do vets think about pugs? ›

Their analysis revealed that pugs were at increased risk for 23 out of 40 common disorders. Pugs were 54 times more likely to have brachycephalic obstructive airway syndrome – a condition affecting the upper airway - and 51 times more likely to have narrow nostrils.

What is a disadvantage of pet insurance? ›

You might still have out-of-pocket costs

Since a majority of policies only cover a percentage of eligible claims, you'll still pay for some of the bill. If you're not prepared and don't have emergency savings for this expense, you still might find yourself in the red. Also, most plans have a maximum benefit limit.

What do vets say about pugs? ›

The study found that pugs had an increased risk for 23 disorders, including being 54 times more likely to have brachycephalic obstructive airway syndrome, 51 times more likely to have narrowed nostrils, 11 times more likely to have skin fold infections.

What are pugs sensitive to? ›

Common environmental allergens include fleas, dust mites, trees, pollens and grasses. Environmental allergens will be more bothersome to pets in some regions than others, so if you move, your pet's symptoms may worsen or (hopefully) subside.

Who has the best pet policy? ›

The best airlines for pets
  1. Alaska Airlines. Alaska Airlines is the best airline for traveling with a pet. ...
  2. Southwest Airlines. While Alaska scored a 4, only one other airline, Southwest, scored a 3. ...
  3. Frontier Airlines. Frontier is a great airline to fly for more than just cats and dogs.
Feb 17, 2023

What are 3 factors that will affect your pet insurance costs? ›

If you're interested in pet insurance, start by getting a free price quote so you know exactly what to expect.
...
5 factors that affect pet insurance rates
  • Age.
  • Animal type.
  • Breed.
  • Insurance type.
  • Location.
Feb 2, 2023

What type of insurance is best for dogs? ›

The best type of dog insurance is Lifetime cover, because these types of policies have limits that renew each year. Renewing limits protect against long-term or recurring conditions over the course of your dog's life. The next best type of cover is usually considered to be Max Benefit.

What should a Pug owner know? ›

5 Things You Need to Know Before Bringing Home a Pug
  • Pugs Need a Lot of Attention. ...
  • Pugs Are Lively Yet Easy Going. ...
  • Pugs Require Some Special Grooming. ...
  • Pugs Can Suffer From Breathing Problems. ...
  • Pugs Are Prone to Weight Gain.
Jul 8, 2019

Is a Pug a good first dog? ›

The pug is an extremely popular breed with a devoted fan base. That's because they're friendly, funny, loyal, adorable, and relatively easy to care for — qualities that also make the breed ideal for first-time dog owners.

How long do pugs live? ›

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