Pugs are adorable little gremlins that can bring a lot of joy to your life.
If you aren’t careful, however, they can also be wallet drainers when it comes to health problems and vet bills. It’s a good idea to invest in Pug pet insurance to help you combat these costs.
How Much is Pet Insurance For a Pug?
The cost of pet insurance can range from $10 – $100 per month. Speaking very generally, Pug owners can expect to pay around $40 – $50 a month, but this is a flexible number that can be affected by many different factors:
- Activity level
- Overall health
- Pre-existing conditions
As you’re probably aware, Pugs can also be vulnerable to breed-specific problems such as Pug dog encephalitis (PDE) and canine hip dysplasia (CHD). Depending on the provider that you choose, these health issues may or may not add to your costs.
Pug Pet Insurance – Top Providers Comparison
With so many options for pet insurance, how are you supposed to know which brands are worth the money?
The truth is that there’s no golden apple of pet insurance. Everyone has different needs, so everyone should look at different providers to figure out which ones are right for them.
Your ideal insurance provider might not be the same as everyone else in your “Pug Lovers Anonymous” Facebook group, and that’s okay!
Let’s take a look at a few big names in pet insurance.
Overall Rating: 5/5
Pets Best offers fully customizable plans for Pug insurance. You set your own limits and deductibles, and you decide whether you want 70, 80, or 90 percent reimbursement for vet visits.
The catch, of course, is that all policies have proportional rates. If you want low monthly premiums, you’ll have to pay high deductibles. If you want low deductibles, you’ll have to pay high premiums. This is standard in the insurance world, but if you’ve never purchased a policy before, it’s an important thing to know.
As for their coverage, Pets Best will take care of bills related to injuries, illnesses, accidents, surgeries, chronic conditions, and more. It even reimburses costs for things like wheelchairs and prosthetics. The coverage will also extend outside of the U.S. if you’re traveling to certain countries.
If you want even more protection, you can also add a pet wellness plan to cover the costs of things like check-ups and vaccinations.
The drawback of Pets Best is that they have several notable exclusions in their policies, including holistic treatments, pre-existing conditions, and “parasite” treatments for fleas, ticks, heartworms, and more.
Overall Rating: 3/5
Embrace is a well-known pet insurance brand. They can be a bit pricey, but they offer coverage for a wide variety of injuries, ailments and health services, including:
- Dental problems
- Chronic conditions
- Behavioral therapy
- Alternative therapy
- Physical rehabilitation
Another great thing about Embrace is that they’ll cover breed-specific conditions. If you’re worried about your Pug developing a brain, hip or bone problem in the future, this could be an insurance policy that gives you some peace of mind.
A drawback of Embrace is that it can be more expensive than other brands. While the savings can be big, the monthly premiums can be big as well.
Additionally, Embrace doesn’t cover pre-existing conditions. It’ll cover chronic conditions that your Pug develops after your policy has started, but it won’t cover anything that he or she already has when you sign the contract. You’ll need to have visited a vet in the past 12 months before you can sign, too.
Overall Rating: 4/5
Petplan is another insurance provider with a lot of flexibility. You can customize your policy however you’d like, and with fast turnaround times and no exclusions for your coverage based on age or breed, your Pug will be set for life.
Another nice thing about Petplan is that they’re a very modern sort of provider. They have an easy online process for submitting claims, and they offer 24/7 customer service with a live chat option. If your dog scoffs down an entire plate of nachos and you need to know right away if your vet visit will be covered, just log onto their website and talk to a representative.
A not-so-nice thing about Petplan is that they have a lot of exclusions. These include preventative care, wellness care, pre-existing conditions and cosmetic procedures. Some of this coverage can be purchased with an add-on wellness plan, but other things just aren’t applicable.
What is the Best Pug Pet Insurance in the United States?
Everyone is different, and everyone’s pet insurance needs are unique.
However, it’s true that some companies are better than others. It’s also true that you could benefit from using these established, well-known brands as reference points as you compare and contrast them with others.
If you need to start somewhere, start with a brand like Pets Best. They offer a lot of benefits as an insurance provider, including:
- Comprehensive coverage
- Flexible and customizable plans
- Affordable prices
- Extra perks
At the end of the day, however, the most important thing about a pet insurance policy is that it satisfies you. It gives you peace of mind for the future, and it allows you to have silly, messy, and fur-shaking fun with your pooch without constantly worrying “what if.” Your Pug deserves the good life, so give it to them!
Disclaimer: The information on this page about pet insurance providers may be changed at any time by the insurance company – that is beyond our control. We have published this article to provide reference and guidance as you explore your options, but please review your policy in detail prior to signing up for a new pet insurance contract.