Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
📍 82%
Pug pet insurance
Compare Pug insurance.
Quotes from £3.96
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Do I need Pug pet insurance?
Pet insurance is not a legal requirement in the UK. But it can financially protects you if your Pug is hurt or involved in an incident.
Pug insurance can cover costs in the following situations:
Your Pug is ill, injured, or needs to be put down
Your Pug is lost or stolen
Your Pug harms someone or their property (including their pets)
How much is Pug dog insurance?
What is the average monthly cost of Pug insurance?
£15
.10^
What's the cheapest price I could pay for Pug insurance?
£3
.96^
Are Pugs expensive to insure?
Pugs are considered generally more expensive to insure due to their increased potential for health issues. This is particularly linked to their "flat-faced" structure.
Pet insurers may also charge more for pedigree breeds like Pugs because they cost more to replace and are more attractive to thieves.
The average cost of dog insurance is £13.13
What impacts the cost of pet insurance?
Some factors that change the price you pay for pet insurance are:
The type of cover you select
Your pet's age
Your pet's breed
If your pet has any history of aggression
If your pet has any pre-existing medical conditions
Your location
Your claim history
On average, owners of aggressive pets pay 8.50%
How can I get cheaper pet insurance?
Some ways to reduce the price of your pet insurance premiums include:
Compare quotes
Select a multi-pet policy
Select an accident-only policy
Maintain your pet's health
Increase your excess
Pay annually
Spay or neuter your pet
Spaying or neutering your pets will reduce your insurance costs by an average of 0.56%
You can find much bigger savings of up to 44.23%
How much is the average unique claim for Pug insurance?
£1,051.09^
According to The Insurance Emporium
What type of Pug insurance should I get?
There are four main types of Pug pet insurance:
-
^ of customers choose lifetime pet insurance -
Maximum benefit
Sets limits on how much you can claim for any given illness or injury.
-
Time limited cover
Covers your pet for a specific period of time (usually 12 months).
-
Accident only cover
The cheapest option, but it only covers accidents, not illnesses.
📍 Accident only policies are 44.23%
^ cheaper on average
What is the most common pet insurance claim for Pugs?
These are the 5 most common claims made on Pug pet insurance, according to The Insurance Emporium.
Claim type | Claim amount |
|---|---|
Skin allergies | £170^ |
Mast cell tumours | £714^ |
Ear infection | £275^ |
Urinary tract infection | £608^ |
Corneal ulcer | £331^ |
Will my pet insurance cover all these illnesses and accidents?
Accident-only policies pay for injuries like a fractured bone, but won't cover illnesses such as an infection. If your pug developed an ear infection, you’d be paying an average of £275
Time-limited and maximum benefit policies also include illness cover, but only for a fixed time period or financial limit. Once that limit ends, chronic and recurring problems like skin allergies stop being covered. This could leave you facing repeated out-of-pocket costs of £170
Lifetime policies reset the vet fees limit each year, so you can keep claiming for ongoing conditions. The downside is premiums usually increase each year, and switching insurer means losing cover for existing conditions.
What does Pug insurance cover?
Cover varies by provider and policy, so always check your insurance documents.
-
Typically covered
✔ Vet bills e.g. medicines, treatments and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Dental treatment for accidents, like breaking a tooth
✔ Alternative therapies e.g. hydrotherapy or acupuncture (when recommended by a vet)
✔ Euthanasia (putting pets down)
✔ Lost and stolen pets e.g. advertising, rewards, refund of purchase price
✔ Third party liability cover e.g. your dog harms someone or their property
✔ Emergency boarding fees e.g. if you are unexpectedly hospitalised
-
Not typically covered
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Training and obedience classes
✖ Banned breeds or dog breeds classed as dangerous
✖ Unvaccinated or unmicrochipped animals
Can I get pet insurance if my Pug has a pre-existing condition?
Yes. You can cover most pre-existing conditions if you take out specialist pet insurance. These policies will almost certainly be pricier than standard policies.
Can I get pet insurance if my Pug is aggressive?
Yes, pet insurers will usually still cover your Pug if they sometimes bite or otherwise act aggressively. But you will probably have to pay higher insurance premiums.
What health issues do Pugs have?
Pugs are prone to getting the following medical issues:
Respiratory problems
Eye issues
Skin conditions
Joint problems
Are pugs an aggressive dog breed?
Pugs are generally not considered an aggressive breed. Only 0.1%
Our expert says…
While opting for a cheaper pet insurance policy might save you a few pounds a month, it's a good idea to consider what the policy covers and the actual cost of veterinary care if your pet gets sick.
According to the ABI, the average pet insurance claim in the UK was £685
^ in 2024. That's significantly higher than the average annual cost of cover for a dog (£163.68^ ) or cat (£93.03^ ).And while that’s the average, some conditions can be far more expensive. For example, treatment for elbow dysplasia, a common condition in large dog breeds, can cost over £50,000, according to the ABI.
Lauren Chong Pet Insurance Expert
Frequently Asked Questions
Do Pugs make for good pets?
Pugs are generally seen excellent family pets, due to their friendly & affectionate.
They are known to be adaptable, easy to train and playful nature. Due to their social demeanour they can be gentle with children, making them suitable companions for households with individuals of all ages.
Do I need to get my Pug microchipped?
Yes. In the UK it is a legal requirement that all dogs are microchipped and registered before they are eight weeks old.
If you do not microchip your dog you can be fined up to £500.
What is the life expectancy of a Pug?
The average lifespan of a Pug typically ranges from 13 to 15 years. But this can vary depending on factors such as genetics, overall health, diet, exercise, and veterinary care.
How do I groom my Pug?
Although Pugs are a short haired breed they can still shed a lot. Thankfully they love attention so tend to be enjoy being groomed.
On average you should brush your Pug's coat at least once a week. If you bath your Pug make sure they are fully dried and take special care with the skin folds to avoid any infection.
As with all breeds it is worth getting them used to teeth brushing and nail clipping at an early age.
Compare pet insurance quotes from the UK's leading insurers
We compare quotes from 39
What information do I need to get a pet insurance quote?
-
Pet’s age
-
Pet's breed or size
-
Pet's cost
-
Pet's behavioural history
-
Pet's medical history
-
Pet's health*
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Reviewed on 29 Apr 2026
Based on the 51st percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote.
Based on The Insurance Emporium's claims data, January to December 2025. Average unique claim represents the total average cost per illness or condition from start to finish, including all payments made for that issue.
