Pet Insurance

We know Pugs can be prone to a variety of health issues, so we don’t limit the number of conditions that can be claimed for!

Our Elite Extra Plus Dog Insurance is 5-Star rated by Moneyfacts®

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Our Elite Extra Plus Dog Insurance is 5-Star rated by Moneyfacts®

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Let’s talk Pugs

Lifespan, common health issues and insurance

One of the oldest breeds, Pugs have been entertaining people with their extroverted character since 400 BC. However, the longevity of the breed doesn’t make Pugs infallible. Their playful nature and cute characteristics can sometimes catch up with them,
leading to serious health issues.

On average, Pugs live to around 12-15 years, but owners need to be on the lookout for ailments typical of the breed, which, if not treated quickly and effectively, can
reduce their lifespan.

If any of these conditions were to develop early in your dog’s life, they can be expensive to treat over the long term, so it’s always worth weighing up which Pug insurance policies offer the most comprehensive cover for your budget.

Pug puppy insurance from just 4 weeks old with no upper age limit for adult and senior Pugs

Common Pug health issues

As dog lovers with over 20 years of pet insurance experience, we have a deep knowledge of the conditions typically associated with Pugs. Our quoting system has been programmed to account for common breed-specific ailments, which allows us to tailor insurance specific to your dog’s needs.

The most common health issues Pugs are prone to are:

Eye disorders

Pugs are born with a cuteness that can put a smile on just about everyone’s face, but those big doe eyes are more exposed to the air, making them susceptible to disorders like keratitis, entropion (inturned eyelid) and corneal ulcers.

Respiratory system disorders

Pugs are prone to respiratory system disorders due to their short muzzles which can lead to the tissues at the back of the nose and the throat being squashed, obstructing their airway. Exercising in hot weather can exacerbate any breathing issues, with their flattened faces making it difficult for them to pant and cool themselves down.

Luxating patella

A condition which often develops in puppyhood, luxating patella is when a dog’s kneecap slips out of the groove it’s meant to stay in, causing damage, tears, inflammation and pain. Although it’s a condition which is principally down to genetics, it can also be caused by a trauma.

Skin infections

If you ever feel those irresistible facial folds on a Pug, you will notice a moistness around the lower jaw - if bacteria gets in there, it can cause lip-fold pyoderma, a skin infection that can cause great irritation to affected dogs.

Health Issues in Pet

Why buy Pug insurance?

Just like their owners, Pugs can get sick or injured – especially when they’re very young or entering their later years. When the worst happens, the last thing you want to worry about is how you’re going to pay for a big vet bill. That’s where pet insurance comes in. With the right policy in place, you can rest assured that your lovable Pug will get the care they deserve, at the earliest opportunity.

Get cover up to £4,000 per condition with NO LIMIT on the number of conditions you can claim for. T&Cs apply.

Depending on the policy, our Pug dog insurance plans can also protect against several other eventualities such as:
Death from accidental injury and illness

Processing the death of a much-loved pet is never easy – it’s even tougher when they’ve died from an accidental injury or illness. Our Elite, Elite Extra, Vital, Vital Extra, Essential and Essential Extra policies will pay a contribution towards the original purchase price or donation price up to your policy’s limit, if your Pug is under 8 years old and dies, or is put to sleep by your vet as a result of an illness or accidental injury.

Overseas holiday cover

As a big part of your family, you may want to take your Pug overseas on holiday. However, you’ll need to make sure they are insured in the event of requiring emergency vet treatment because of an accidental injury or illness when away. Overseas holiday cover is available with all our policies except Accident Only, and applies to qualified countries within the European Economic Area (EEA) listed by the UK Government’s Pet Travel Scheme (“PETS”).

Holiday cancellation

Injury or illness often occurs when we least expect it. If your Pug requires emergency life-saving treatment within seven days of your holiday departure date, the right cover can ensure you don’t lose all your money should you have to cancel your trip. All but our Accident Only policies provide holiday cancellation cover for the named policyholder for trips of three or more nights booked outside of the UK.

Theft and straying

The thought of your Pug going astray is one that no pet owner wants to have to consider. You can insure against the unthinkable happening – we will pay expenses for local advertising and rewards for your Pug’s return up to your policy’s limit. Should your dog still be missing after 45 days (during the period of insurance), we will pay a contribution to the original price you paid for your dog, providing they are under 8 years old at the time of disappearance.

Did you know?

If a Pug develops breathing difficulties that cannot be managed, this can require major surgery and specialist referral, with treatment costs often exceeding £1,000..

Source: https://www.garstonvets.co.uk/small-animals/clinics/breathe-easy-boas/

We can pay
your vet direct

We can pay your vet directly, giving you one less thing to worry about during what can be an anxious time. If your vet accepts direct payment, we can deposit funds straight into their account, saving you the worry of having to find money to pay large vet bills.

Subject to claim approval

Choosing the best pet insurance for Pugs

When buying pet insurance, it’s important to weigh up the benefits and cover limits provided to ensure you get the best coverage possible for you and your dog.

We offer a range of insurance plans to suit different needs and budgets. Explore our policies and their suitability for your Pug by clicking on the links below:

Insurance Plan

Lifetime Cover

You can claim year after year for each illness or accident your pet develops, providing you renew annually with no break in cover.

Insurance Plan

Max Benefit

Protect your pet against injuries and illness up to a pre-set limit with no time restriction, providing the policy is active.

Insurance Plan

Time Limited

Cover your pet for injuries and illness for a limited period up to 365 days.

Insurance Plan

Accident Only

Insure your pet against injuries and complications arising from accidents only.

Save with multi-pet cover

Got more than one pet? Insure your other dogs and cats at the same time as your Pug to receive a 15% discount.

*Policies must be purchased direct and at the same time. Public Liability and Accident Only policies are excluded from the multi-pet discount offer.

Pug insurance FAQs

How much does Pug insurance cost?

The cost to insure a Pug is based on several different factors including age, breed associated medical conditions and the cost of vet fees in the area you live. Your premiums will also depend on the level of cover you choose.

How much cover does my Pug need?

This is very much a personal choice, but you should be careful not to leave yourself in a difficult position. So, when making your mind up on which cover your French Bulldog needs, bear in mind things like the cost to treat associated ailments, benefit limits and the duration of cover. The last thing you want is to find yourself having to consider your finances should your dog require some essential treatment for an unforeseen condition.

What policy type will cover my Pug for on-going medical conditions?

Our Reinstatement policies Elite and Elite Extra, also known as Lifetime cover, provide cover for conditions that develop whilst the policy is active. When you renew, these medical conditions will be carried forward and we will continue to cover them up to the policy’s limit.

What policy exclusions should I be aware of?

As with all insurance products, there will be inclusions and exclusions depending on what policy you choose. Which is why it’s important to take some time to read up on what is and isn’t included with your chosen plan; you don’t want to find out you’re not covered for something important just when it matters most. Here are some common exclusions that apply across our pet insurance policies:
● Pre-existing medical conditions and symptoms that existed before a policy is purchased
● Illnesses that occur within 14 days of a policy being taken out
● Accidents that occur with 5 days of a policy being taken out
● Dental or oral treatment (unless a result of an accident)
● Routine treatment such as vaccinations, castration, flea and worming and any treatment because of these not being carried out
● Any complications or treatment relating to pregnancy

What happens if I need to make a claim?

Simply download a claim form from our ‘Make a Claim’ page. Complete and send back to us either by email or post. An excess of £90 per condition per policy year applies to all sections of the policy, except for Public Liability where the excess is £250. This will be stated on your Policy Schedule. The excess amount will be deducted when making a claim as will a co-payment of 15% towards vet bills should your dog be 8 years or older.

Tips for keeping your Pug healthy

Although you’ll probably expect your fair share of injuries and illnesses to deal with as a pet owner, the key to ensuring your Pug is largely problem-free is helping them maintain a healthy weight.



Pugs are happy to get outside to burn off some of their food, but they’re just as content to sit on your lap all day. So, don’t be fooled into thinking that they don’t need their daily dose of fresh air, as this will only see them put weight on which can cause serious health issues for your Pug as they grow older.



Complement their daily exercise with high-quality, breed-appropriate food, ensuring you keep to the portion guidelines on the packaging. Pugs are known to eat pretty much everything that’s put in front of them, meaning owners have to keep a close eye on how much food they put down.