Pug insurance
Thinking about insurance for your Pug? The good news is that every US insurer we compare will insure Pugs, and none of them excludes the breed. What's most useful to know is which health problems Pugs claim for most often, so you can check a policy covers them well. Here they are by life stage, with what each one typically costs to treat in a year, along with how long Pugs usually live.
What health problems do Pugs have?
These are the conditions most often claimed for Pugs at each stage of life, from Trupanion's claims data, with the typical cost of treatment in a year. "Likely" compares Pugs with the average dog in Trupanion's data. Each bar shows the cost range on the same scale, so you can see which problems cost most.
As a puppy
- Corneal ulcera sore on the surface of the eye$100 to $300 a year5.5 times as likely as the average dog
- Allergies$100 to $300 a year40% more likely than the average dogNationwide's 2025 claims: 80% of skin allergies claims cost up to $286 in the first 30 days and $891 in the first year.
- Brachycephalic airway syndromebreathing problems in flat-faced dogs$1,600 to $2,200 a year7 times as likely as the average dog
As an adult
- Ear infection (otitis)$100 a year85% more likely than the average dogNationwide's 2025 claims: 80% of otitis externa claims cost up to $312 in the first 30 days.
- Urinary tract infection$200 to $400 a year95% more likely than the average dogNationwide's 2025 claims: 80% of urinary tract infection claims cost up to $575 in the first 30 days.
- Dental disease$500 to $700 a year2.5 times as likely as the average dogNationwide's 2025 claims: 80% of dental disease claims cost up to $1,420 in the first 30 days and $1,420 in the first year.Does pet insurance cover dental?
As a senior
- Diabetes$1,600 to $3,200 a year70% more likely than the average dog
- Mast cell tumoura common skin cancer in dogs$800 to $1,500 a year90% more likely than the average dogDoes pet insurance cover cancer?
- Intervertebral disc disease (IVDD)a slipped or damaged disc in the spine$400 to $1,000 a year2 times as likely as the average dog
Source: Trupanion, Commonly Claimed Conditions (US claims data, June 2019); Nationwide's most common claims of 2025. Costs are Trupanion's average yearly cost of treatment, in US dollars.
What to check in a policy for a Pug
Some of the conditions above have their own rules in pet insurance policies, such as longer waiting periods or exclusions if signs show early on. These guides show how each insurer handles them.
How do insurers cover IVDD?
Intervertebral disc disease (IVDD) is one of the costliest problems Pugs claim for, and some policies have their own rules for it. These are the insurers whose policies mention it, so check them carefully, especially if your Pug has ever had back trouble.
- TrupanionNot covered if there was any sign of disc disease anywhere in the spine before you enrolled, or in the first 30 days.
- EmbraceIf your dog shows signs of IVDD before joining or in the first 180 days, it is never covered, in any part of the spine.
- FigoTreated as an orthopedic condition, with a 6-month waiting period for dogs that a vet can waive with an orthopedic exam and waiver form.
- Pets BestDisc conditions are always treated as an illness, never as an accident or injury.
Which insurers cover Pugs?
All of these US insurers will insure a Pug. Click a name to see what that policy covers.
Your questions answered
Can you get insurance for a Pug?
Yes. All 9 US insurers we compare will insure a Pug, and none of their policies excludes the breed.
How long do Pugs live?
The American Kennel Club gives a life expectancy of 13 to 15 years for the Pug. It's worth choosing cover that stays with your dog for life, because the conditions Pugs claim for most tend to change as they get older.
Is Pug insurance more expensive?
We don't list prices, because they depend on your dog and where you live. Insurers do price by breed: Figo, for example, says premiums are based on the species or breed of your pet. The best way to compare is to get quotes and check how each policy covers the conditions Pugs are most likely to need.
What health problems are Pugs prone to?
In Trupanion's US claims data, the costliest conditions claimed for Pugs include diabetes, brachycephalic airway syndrome and mast cell tumour. The full list by life stage is above.
Health data from Trupanion's US claims (June 2019) and Nationwide's 2025 claims; lifespan from the American Kennel Club; which insurers cover the breed from each insurer's own documents and exclusion lists, read in October 2026. Check the policy before you buy.
More guides to dog insurance: Pet insurance for senior dogs · Puppy insurance · Multi-pet insurance · Dog insurance by breed · Pet insurance that covers pre-existing conditions · Does pet insurance cover dental? · What does dog insurance cover? · Pet insurance waiting period · Pet insurance deductible · Does pet insurance cover hip dysplasia? · Does pet insurance cover cancer? · Does pet insurance cover surgery? · Does homeowners insurance cover dog bites? · Costco dog insurance · PetSmart dog insurance · USAA dog insurance · State Farm dog insurance · Geico dog insurance · Trupanion vs Pets Best · Healthy Paws vs Trupanion