Pugs are charming, mischievous, and loving companions who bring endless joy to families, but as a small breed, they’re prone to certain health conditions that can lead to expensive vet bills. Brachycephalic obstructive airway syndrome (BOAS), pug dog encephalitis, and eye injuries are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Pug’s health and happiness. Here’s everything you need to know about coverage options, costs, and why insurance makes sense for this beloved breed.
What does Pug pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Pug has an unexpected accident or illness (provided it’s not related to a pre-existing condition, and occurs after your policy’s waiting periods have ended).
Whether it’s an unexpected accident during play time or a breed-specific illness like Brachycephalic obstructive airway syndrome (BOAS), Pugs benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Pug’s routine care? Our preventive packages reimburse you for the stuff you’re already doing, like annual checkups, vaccines, blood work, and other routine care that keep your pup healthy and happy.
Keep in mind, preventative care offerings might differ based on where you live. The easiest way to see what’s available? Get a free quote.
Extra coverage
You can also customize your Lemonade policy with optional add-ons like:
- Physical therapy: especially important for a breed prone to joint issues
- Visit fees
- Dental coverage: important for breeds prone to dental overcrowding and gum disease
- Behavioral conditions
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Pugs often need.
Is pet insurance worth it for Pugs?
Taking care of any small breed gets expensive, and Pugs can face costly breed-specific health issues throughout their 12 to 15-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Pugs are particularly prone to breathing problems, neurological conditions, and eye injuries, which makes insurance even more valuable.
Check out how much other Pug parents have saved with pet insurance below. Your savings could be even higher.
Common Pug health conditions
Pugs are amazing dogs, but they’re predisposed to certain health conditions that can get expensive to treat. Here are some of the most common claims we see for them, along with typical treatment costs:
| Condition | What is it? | Average treatment cost |
|---|---|---|
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Heat Stroke | Dangerous overheating | $1,500–$4,500 |
| Back Disc Disease (IVDD) | Slipped or ruptured back disc; pain/possible paralysis | $2,500–$8,000 |
| Rolled-in Eyelids (Entropion) | Eyelid turns in and rubs the eye | $500–$2,000 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
| Slipping Kneecap (Luxating Patella) | Kneecap slips out of place, causing limping | $500–$2,500 |
| Collapsing Trachea | Windpipe collapses; chronic cough | $400–$2,500 |
| Dry Eye (Keratoconjunctivitis Sicca) | Not enough tears, dry/mucus-filled eyes | $600–$1,200 |
As a toy breed, Pugs face breathing difficulties due to their flat face structure and protruding eyes, which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Pugs cost?
Your Pug’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Small breeds like Pugs typically cost less to insure due to their smaller size, though breed-specific conditions like BOAS and PDE can be expensive to treat.
Here’s what other Pug parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $30-$35 |
| 2 years old | $30-$35 |
| 3 years old | $30-$35 |
| 4 years old | $35-$40 |
| 5 years old | $40-$45 |
| 6 years old | $45-$50 |
| 7 years old | $55-$60 |
How can I find the best pet insurance for my Pug?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Pugs that need comprehensive coverage for respiratory health, eye protection, and weight management.
Our customizable add-ons are perfect for Pugs since you can tailor coverage for their specific risks like breathing problems and eye injuries.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Pugs make incredible companions, but their flat-faced anatomy and bulging eyes requiring careful monitoring can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating BOAS surgery, managing respiratory conditions, or handling an emergency.
Ready to protect your Pug? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Pug.
Get to know your Pug
Are Pugs good with families and children?
Wonderful with families and children. Pugs are patient, gentle comedians who love being part of family life. Their sturdy build and calm nature make them great with kids, and they’re naturally protective without being aggressive.
What does a Pug's grooming schedule look like?
Weekly brushing and regular wrinkle cleaning. Their short coat is low-maintenance, but facial wrinkles need daily attention to prevent infections. Regular nail trims and occasional baths when they get into mischief.
Are Pugs suitable for first-time dog owners?
Excellent for first-time owners who want a laid-back companion. They’re adaptable, don’t need tons of exercise, and are happy to go with the flow. Their easygoing nature makes them very forgiving.
Are Pugs easy to train?
Moderately easy to train but can be food-motivated which helps. Pugs are smart but sometimes stubborn, so patience and treats work best. Keep training sessions fun since they love being the center of attention.
What activities do Pugs usually enjoy?
Short walks, indoor play, and being your entertainment committee. They love gentle games, meeting people, and making everyone laugh with their silly antics. They’re natural comedians who prefer moderate activity.
*Lemonade Insurance analyzed policy rates of accident and illness policies to calculate average pet insurance premiums as of October, 2025. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances and additional coverages selected.