The best pet insurance company for Pugs is AKC due to its superior coverage options and strong customer satisfaction ratings. Other excellent choices include Pets Best, Rainwalk and Lemonade.
Pug Insurance
Updated: August 28, 2025
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Key Takeaways
AKC is the best pet insurance company for Pugs, offering strong coverage and service quality.
Lemonade provides the cheapest pet insurance rates for Pugs, with an average monthly rate of around $35 for standard protection.
The average monthly premium for Pugs is $107, making them the 88th most expensive dog breed to insure.
Best Pug Pet Insurance Companies
| AKC | 4.35 | $52 | 3 | 1 |
| Pets Best | 4.25 | $36 | 5 | 2 |
| Rainwalk | 4.25 | $53 | 1 | 4 |
| Lemonade | 4.25 | $35 | 3 | 6 |
| Spot | 3.95 | $52 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
AKC
Best for Pugs
MoneyGeek Rating
4.3/ of 5
4.1/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$52Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Pug Pet Insurance by State
AKC leads Pug insurance coverage, ranking first in 50 states nationwide. Rainwalk holds the second position, leading in select regions including Michigan, Minnesota and Virginia.
| Alabama | AKC | 4.35 |
| Alaska | AKC | 4.35 |
| Arizona | AKC | 4.35 |
| Arkansas | AKC | 4.40 |
| California | AKC | 4.35 |
| Colorado | AKC | 4.35 |
| Connecticut | AKC | 4.35 |
| Delaware | AKC | 4.35 |
| Florida | AKC | 4.40 |
| Georgia | AKC | 4.30 |
| Hawaii | AKC | 4.35 |
| Idaho | AKC | 4.35 |
| Illinois | AKC | 4.35 |
| Illinois | Rainwalk | 4.35 |
| Indiana | AKC | 4.40 |
| Iowa | AKC | 4.35 |
| Kansas | AKC | 4.35 |
| Kentucky | AKC | 4.40 |
| Louisiana | AKC | 4.35 |
| Maine | AKC | 4.35 |
| Maryland | AKC | 4.30 |
| Massachusetts | AKC | 4.30 |
| Massachusetts | Rainwalk | 4.30 |
| Michigan | Rainwalk | 4.25 |
| Michigan | AKC | 4.25 |
| Michigan | Pets Best | 4.25 |
| Michigan | Lemonade | 4.25 |
| Minnesota | AKC | 4.30 |
| Minnesota | Rainwalk | 4.30 |
| Mississippi | AKC | 4.35 |
| Missouri | AKC | 4.35 |
| Montana | AKC | 4.35 |
| Nebraska | AKC | 4.35 |
| Nevada | AKC | 4.35 |
| New Hampshire | AKC | 4.35 |
| New Jersey | AKC | 4.30 |
| New Mexico | AKC | 4.40 |
| New York | AKC | 4.35 |
| North Carolina | AKC | 4.35 |
| North Dakota | AKC | 4.40 |
| Ohio | AKC | 4.30 |
| Oklahoma | AKC | 4.45 |
| Oregon | AKC | 4.35 |
| Pennsylvania | AKC | 4.35 |
| Rhode Island | AKC | 4.40 |
| South Carolina | AKC | 4.40 |
| South Dakota | AKC | 4.40 |
| Tennessee | AKC | 4.35 |
| Texas | AKC | 4.35 |
| Utah | AKC | 4.30 |
| Utah | Rainwalk | 4.30 |
| Vermont | AKC | 4.35 |
| Virginia | Rainwalk | 4.30 |
| Virginia | AKC | 4.30 |
| Washington | AKC | 4.45 |
| West Virginia | AKC | 4.35 |
| Wisconsin | AKC | 4.30 |
| Wyoming | AKC | 4.40 |
*Rates are based on a 6-year-old Pug with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Pug Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Pugs at $35 per month or $421 per year. Other budget-friendly providers include Pets Best, Pumpkin, ASPCA and Figo.
| Lemonade | $35 | $421 | 36% |
| Pets Best | $36 | $438 | 33% |
| Pumpkin | $39 | $464 | 29% |
| ASPCA | $44 | $524 | 20% |
| Figo | $47 | $559 | 15% |
*Rates are based on a 6-year-old Pug with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Lemonade
Cheapest Pet Insurance for Pugs
MoneyGeek Rating
4.3/ of 5
4.5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$35Overall Customer Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Pug Pet Insurance by State
Lemonade leads as the most affordable pet insurance provider for Pugs, ranking cheapest in 50 states. Monthly premiums range from $24 to $45, depending on location.
| Alabama | Lemonade | $26 | 39% |
| Alaska | Lemonade | $34 | 37% |
| Arizona | Lemonade | $43 | 34% |
| Arkansas | Lemonade | $24 | 39% |
| California | Lemonade | $45 | 32% |
| Colorado | Lemonade | $44 | 35% |
| Connecticut | Lemonade | $40 | 35% |
| Delaware | Lemonade | $35 | 36% |
| Florida | Lemonade | $40 | 35% |
| Georgia | Lemonade | $32 | 35% |
| Hawaii | Lemonade | $36 | 37% |
| Idaho | Lemonade | $35 | 35% |
| Illinois | Lemonade | $44 | 33% |
| Indiana | Lemonade | $32 | 35% |
| Iowa | Lemonade | $30 | 37% |
| Kansas | Lemonade | $32 | 36% |
| Kentucky | Lemonade | $28 | 39% |
| Louisiana | Lemonade | $28 | 38% |
| Maine | Lemonade | $43 | 36% |
| Maryland | Lemonade | $35 | 41% |
| Massachusetts | Lemonade | $45 | 34% |
| Michigan | Lemonade | $35 | 36% |
| Minnesota | Lemonade | $37 | 35% |
| Mississippi | Lemonade | $30 | 37% |
| Missouri | Lemonade | $28 | 37% |
| Montana | Lemonade | $29 | 37% |
| Nebraska | Lemonade | $32 | 36% |
| Nevada | Lemonade | $37 | 35% |
| New Hampshire | Lemonade | $41 | 34% |
| New Jersey | Lemonade | $40 | 34% |
| New Mexico | Lemonade | $31 | 37% |
| New York | Lemonade | $38 | 35% |
| North Carolina | Lemonade | $31 | 38% |
| North Dakota | Lemonade | $27 | 37% |
| Ohio | Lemonade | $32 | 37% |
| Oklahoma | Lemonade | $29 | 37% |
| Oregon | Lemonade | $44 | 34% |
| Pennsylvania | Lemonade | $37 | 36% |
| Rhode Island | Lemonade | $31 | 37% |
| South Carolina | Lemonade | $33 | 35% |
| South Dakota | Lemonade | $31 | 38% |
| Tennessee | Lemonade | $33 | 35% |
| Texas | Lemonade | $37 | 34% |
| Utah | Lemonade | $34 | 37% |
| Vermont | Lemonade | $33 | 37% |
| Virginia | Lemonade | $38 | 37% |
| Washington | Lemonade | $41 | 38% |
| West Virginia | Lemonade | $30 | 36% |
| Wisconsin | Lemonade | $38 | 37% |
| Wyoming | Lemonade | $33 | 35% |
*Rates are based on a 6-year-old Pug with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Pug Insurance Cost?
Monthly insurance costs for Pugs range from $73 to $139 across the U.S., ranking as the 88th most expensive breed to insure. Your actual premium will vary based on your location and chosen coverage options.
| Alabama | $81 | $967 | -24% |
| Alaska | $106 | $1,266 | -1% |
| Arizona | $128 | $1,528 | 19% |
| Arkansas | $73 | $869 | -32% |
| California | $133 | $1,588 | 24% |
| Colorado | $134 | $1,605 | 25% |
| Connecticut | $123 | $1,465 | 14% |
| Delaware | $108 | $1,298 | 1% |
| Florida | $122 | $1,459 | 14% |
| Georgia | $95 | $1,140 | -11% |
| Hawaii | $109 | $1,310 | 2% |
| Idaho | $107 | $1,279 | -0% |
| Illinois | $131 | $1,569 | 23% |
| Indiana | $97 | $1,157 | -10% |
| Iowa | $89 | $1,062 | -17% |
| Kansas | $98 | $1,166 | -9% |
| Kentucky | $86 | $1,026 | -20% |
| Louisiana | $87 | $1,036 | -19% |
| Maine | $129 | $1,547 | 21% |
| Maryland | $112 | $1,339 | 5% |
| Massachusetts | $139 | $1,662 | 30% |
| Michigan | $108 | $1,290 | 1% |
| Minnesota | $110 | $1,313 | 3% |
| Mississippi | $92 | $1,104 | -14% |
| Missouri | $85 | $1,015 | -21% |
| Montana | $91 | $1,088 | -15% |
| Nebraska | $96 | $1,149 | -10% |
| Nevada | $109 | $1,306 | 2% |
| New Hampshire | $123 | $1,472 | 15% |
| New Jersey | $120 | $1,433 | 12% |
| New Mexico | $94 | $1,129 | -12% |
| New York | $117 | $1,401 | 9% |
| North Carolina | $97 | $1,161 | -9% |
| North Dakota | $83 | $990 | -23% |
| Ohio | $100 | $1,194 | -7% |
| Oklahoma | $90 | $1,074 | -16% |
| Oregon | $133 | $1,592 | 24% |
| Pennsylvania | $113 | $1,347 | 5% |
| Rhode Island | $95 | $1,133 | -12% |
| South Carolina | $103 | $1,230 | -4% |
| South Dakota | $96 | $1,150 | -10% |
| Tennessee | $99 | $1,181 | -8% |
| Texas | $110 | $1,322 | 3% |
| Utah | $104 | $1,243 | -3% |
| Vermont | $100 | $1,193 | -7% |
| Virginia | $117 | $1,400 | 9% |
| Washington | $124 | $1,483 | 16% |
| West Virginia | $92 | $1,100 | -14% |
| Wisconsin | $116 | $1,383 | 8% |
| Wyoming | $98 | $1,178 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Pug. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Pug Insurance Costs?
Pugs rank as the 88th most expensive dog breed for pet insurance, with several health factors driving these higher premiums. Below, we explain the medical reasons behind the costs and share practical ways to manage your Pug's coverage expenses.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Pugs face several breed-specific health challenges that insurers consider high-risk conditions. Brachycephalic Airway Syndrome often requires corrective surgery to help these flat-faced dogs breathe properly. They are also prone to eye problems like corneal ulcers, spinal issues due to their curved tail, and skin fold infections. These hereditary conditions increase lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Pugs are a small breed that requires specialized care due to their compact build and unique anatomy. Their size affects medication dosing and anesthesia protocols, often requiring careful monitoring during procedures. Their short muzzle and small airways need special equipment for safe intubation. Recovery may require small-breed-specific items like specialized harnesses or properly sized crates.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $4,500 (Senior)
Pugs typically live 12 to 15 years, which is average for small breeds. However, their unique physical characteristics mean age-related health issues often appear earlier than in other dogs. Senior Pugs frequently need more extensive medical care, including regular monitoring of breathing difficulties, joint health, and weight management.
Behavioral and Activity Risks
Potential Vet Costs: $1,000 to $5,000
While Pugs are generally low-energy companions, their stocky build and short legs make them prone to specific injuries. Their barrel-shaped body and weight distribution can lead to slip-and-fall injuries or back problems during normal activities. Their playful nature, combined with poor heat tolerance, can result in overexertion requiring urgent veterinary care.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
The popularity of Pugs has led to widespread breeding practices that often prioritize appearance over health. This has increased the frequency of genetic issues affecting the skull shape, airways and spine. Insurance providers may limit coverage for these breed-specific conditions. Selecting a puppy from health-tested parents with proper genetic screening helps reduce future medical expenses.
Your Pug's health needs may differ from typical breed patterns, so consider your pet's specific medical history when choosing coverage. Base your insurance decision on both your budget and your dog's unique health profile, including any existing conditions or lifestyle factors. A conversation with your veterinarian can help identify which health risks matter most for your particular Pug.
INSURANCE RISK PREVENTION
Protect your Pug's health by maintaining a healthy weight through portion control and daily walks. Clean facial folds daily with veterinary-approved wipes to prevent infections. Keep your pet cool in warm weather, as Pugs struggle with temperature regulation. Regular vet checkups, dental cleaning and eye examinations help catch issues early. When getting a puppy, choose breeders who screen for genetic health conditions.
How to Get the Best Cheap Pug Pet Insurance
While Pug insurance costs more than coverage for many breeds, smart comparison shopping can lead to substantial savings.
- 1
Evaluate Your Pug's Coverage Needs
Consider your Pug's age and potential health issues when choosing pet insurance coverage. Focus on plans that cover breed-specific conditions like breathing problems and joint issues.
- 2
Compare Insurance Providers
Research multiple pet insurance companies and their coverage options. Look for providers with positive customer reviews and clear policies about covering breed-specific conditions.
- 3
Review Policy Details
Examine waiting periods and pre-existing condition clauses in detail. Pay special attention to coverage limits and deductibles that match your budget and risk tolerance.
- 4
Get Multiple Online Quotes
Get quotes from at least three insurance providers. Compare deductibles, coverage limits and monthly premiums to find the best value.
- 5
Review Coverage Annually
Check your policy terms and pricing each year before renewal. Shop around for new quotes as rates and your Pug's needs may change over time.
Pug Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Pugs, while Lemonade offers the lowest monthly premiums. Compare both providers, along with other providers, to find coverage that matches your Pug's health risks and your budget. The right policy brings peace of mind and reliable coverage when health issues arise.
Pet Insurance for Pug: FAQ
Our insurance experts answer your essential questions about Pug health coverage.
What is the best pet insurance provider for Pugs overall?
AKC offers the best pet insurance for Pugs, featuring comprehensive coverage and outstanding customer experience ratings. Despite slightly higher premiums, its extensive protection and specialized breed knowledge make it a valuable choice.
Who offers the cheapest pet insurance for Pug?
Lemonade provides the most affordable pet insurance for Pugs at $35 per month for standard coverage. Actual premiums will vary depending on your location, pet's age and other individual factors.
How much does Pug insurance cost?
Pugs are the 88th most expensive breed to insure, with an average monthly premium of $107. Monthly rates vary by location, ranging from $73 to $139 depending on your state.
What are the most common accident and illness risks for Pug?
Pugs commonly suffer from brachycephalic airway syndrome (causing breathing difficulties due to their flat faces), spinal problems like intervertebral disk disease (affecting mobility), and eye issues such as corneal ulcers (due to protruding eyes). These health risks are directly linked to the breed's distinctive physical features and genetic makeup.
How We Found the Best and Cheapest Pug Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Pugs. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Pugs.
How We Determined Costs
All costs presented in this article were modeled after the following base profile:
- 6-year-old Pug
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources to create ratings based on the following metrics:
- Affordability (50% of score): This score aggregates ratings based on affordability compared to the competition for all profiles and all factor combinations. We also factored in discounts as a minor component of the rating, since there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from sentiment analysis aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.