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5 Best Pet Insurance for Pugs (2022 Reviews)

Best Pug pet insurance
Updated on

Pugs owners from Maine to Arkansas to Utah and beyond understand that health-related emergencies are inevitable in their best pals’ lives. As a result, many buy dog insurance to alleviate the financial stress that comes with such events as urgent veterinary fees can be astronomical. We have done extensive research to determine the best pet insurance companies for Pugs. Below, you will find the most prominent features and benefits of each provider.

best pug pet insurance
Pugs make great family pets!

5 Top Pet Insurance Companies Compared for Pugs

  • 1

    Best overall

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Pugs pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

  • 2

    Best for wellness

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $20,000
    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

  • 3

    Best live vet support

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to Pugs owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

  • 4

    Best for pre-existing conditions

    Our score
    Average price for
    Reimbursement amount 100%
    Annual benefit $3,000
    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives Pugs pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

  • 5

    Best established brand

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $5,000
    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

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FAQs about Pug Pet Insurance

  • 1. How much does pet insurance cost for Pugs?

    You can expect pet insurance rates for Pugs to run from $24 to $63 each month. We offer a price range because insurance companies calculate premiums using several factors, including the average cost of veterinary services in your state as well as your dog’s breed, age and medical history.

  • 2. What does pet insurance typically cover for Pugs?

    Pet insurance plans vary from one company to the next. However, you can expect your policy to cover any illnesses and accidents your Pug may have that are considered sudden and catastrophic. In such emergencies, coverage will generally extend to physical exams, tests, diagnostic procedures, medication and surgery.

  • 3. Can I cancel my Pug’s insurance plan after I make a claim?

    You may cancel your Pug’s policy at any time. Just be sure to check with your provider regarding their required steps for cancellation.

  • 4. Do pet insurance companies cover spaying and neutering?

    Pet insurance companies do not cover spaying and neutering under their standard policies. That said, a few providers, such as Embrace , have wellness plan add-ons that will cover these procedures in case your Pug needs one.

  • 5. Does the cost of insurance increase as my Pug ages?

    You can expect the cost of your Pug’s insurance to go up as they grow older, and this will become most noticeable once they turn 4 or 5 years old. Pet insurance providers raise rates to mitigate the elevated risk that your Pug may develop a chronic illness or become sick with age.

  • 6. Which companies cover pre-existing conditions?

    Pawp offers the most comprehensive coverage for pre-existing conditions, especially in emergencies. Embrace also covers a limited number of curable pre-existing conditions. It’s always a good idea to follow up with these providers to get a more detailed picture of their offerings. Be aware that the majority of pet insurance companies do not cover any pre-existing conditions. That said, it’s worth noting that your Pug will not be rendered ineligible for coverage should they have a pre-existing condition.

  • 7. Is pet insurance worth it for Pugs?

    Pugs are just as vulnerable to developing ailments or becoming ill as most other dogs, which is why many Pug owners value the extra protection that pet insurance offers in such emergencies. After all, urgent veterinary care can be extremely expensive. A common condition Pugs struggle with is patellar luxation, in which the knee cap often slides out of place. Since the only consistent remedy to this is surgery, your costs can easily exceed $4,000. Another ailment known to plague Pugs is hip dysplasia, which requires surgery to be fully resolved. Such operations can cost as much as $7,000. Pet insurance can help to provide a crucial financial cushion in such circumstances, so you can get your dog the care they need, when they need it.

More Details About Pet Insurance for Pugs

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade gives Pug parents plenty to be happy about, including reasonable rates, dynamic illness and accident coverage and multiple wellness packages with myriad benefits. Another perk is the streamlined and simple-to-use claim-filing system available on their mobile app. They also have one of the shortest accident waiting periods out there, which is set at 2 days. Combine your Pug’s health plan with a renters’ or homeowners’ policy from Lemonade to receive a discount.

    Keep in mind: For those with Pugs that are older or have pre-existing conditions, Lemonade may request veterinary documentation attesting to your dog’s medical history before your policy may become active.

    Good for: Most Pugs, especially the young and healthy.  

    Average price for Pugs: $28.67/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo’s lightning-fast reimbursements via direct deposit, PayPal or Venmo, is one of their coverage, but it’s not the only one. They also reimburse up to 100% of your Pug’s veterinary fees once you meet your deductible. Wagmo also gives discounts to those who insure more than one pet or renew their policy without having any reimbursements in the year before. What’s more, Pug owners can take their dogs to the veterinarian of their choosing.

    Keep in mind: Lifetime benefits are limited to $100,000. If your Pug’s care exceeds this amount, they will no longer be eligible for coverage

    Good for: Pug parents who want a blend of emergency and wellness care.

    Average price for Pugs: $59.68/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: Figo gives their pet parents free 24/7 televet services, which are made accessible on the mobile app. And for those Pug owners who would like an optional wellness plan, Figo has several to choose from, including one that covers $250 worth of prescription food. Moreover, all of their health plans have unlimited lifetime benefits, and they do not have restrictions on reimbursements regarding specific treatments. Lastly, a short claim-review process means reimbursements come quickly as well.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Pug owners who want free 24/7 televet support included with their insurance. 

    Average price for Pugs: $54.52/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp offers pet parents an emergency fund that protects as many as 6 pets within a household for only $24 per month. The fund does not restrict coverage to only the young and healthy. Instead, all pets, regardless of age, breed and health condition, are eligible. As a bonus, Pug parents will be thrilled to gain access to free consultations with pet experts and 24/7 unlimited remote veterinary support services. Moreover, unlike traditional pet insurance providers, Pawp does not require credit checks, copays, or deductibles. They also will pay any bills for veterinary emergencies before you and your dear Pug leave the vet’s clinic.

    Keep in mind: The emergency fund applies only to true emergencies as verified by Pawp’s virtual team of veterinarians. Also, it only pays for a single vet bill under $3,000 for one of your pets in any given year.

    Good for: Senior Pugs or Pugs that have pre-existing conditions. An excellent supplement for standard pet insurance plans. 

    Price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace brings an array of perks to Pug parents, such as multiple pet discounts, unlimited lifetime benefits and diminishing deductibles. With the latter, your deductible will decrease by $50 whenever you renew your policy without having claim reimbursements in the year before. However, Embrace’s most unique offering is their add-on wellness package, which covers alternative veterinary treatments, including reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: Embrace’s wellness plan has a maximum combined claims limit of $650. Should any of your wellness plan’s funds go unused, they will not be reimbursed at the end of your policy year.

    Good for: Pug owners who want alternative veterinary care covered by insurance.  

    Average price for Pugs: $46.99/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Pugs and they also offer the best value.


We hope this article has given you the information you need to make an informed decision regarding the best dog insurance provider for your Pug. Nevertheless, we always encourage dog owners to explore each company’s benefits and exclusions by contacting them directly before getting an active policy. Buying the right pet insurance can prove to be a vital source of support through challenging times and give your Pug access to life-saving treatments and preventative care, regardless of price, so that you can enjoy long and vibrant lives together.