If you’re looking for the best pet insurance for pugs in the USA, there are a number of factors you need to consider before signing up for a new policy.
Dogs are considered man’s best friend because of their fierce loyalty. And what better breed to own than a pug. They are adorable, loving, attentive, pleasant, and mischievous, all in one. But, their trademark stout body, short legs, and flat faces can make them prone to several health issues.
That is why it is crucial to have pet insurance for your pug in case an unexpected injury or illness occurs. Pet insurance can cover part or all of the veterinary treatment.
How Much Is Pet Insurance for a Pug?
Like any other type of insurance, pet insurance coverage and costs vary based on the situation. Pet insurance can range from $10 – $100 per month. But, generally speaking, pug owners can expect to pay around $40 – $50 a month.
However, this amount can change as it can be affected by different factors such as:
- Age of your pug
- Your zip codes
- The pug’s overall health
- The pug’s pre-existing conditions
- Your financial standing
With so many pet insurance options, it can be hard to know the brands worth the money. There’s no golden apple of pet insurance. As a pug owner, you’ll find that you have different needs from the next owner, so it’s up to you to look at various providers to figure out which one fits you best.
So, let’s look at the different pet insurance providers below. As a pug owner, you can go through to find the best pet insurance for pugs coverage to suit your pug’s needs — whether it’s affordable, premium, or broader coverage.
Embrace Pet Insurance
Embrace is best for superior benefits for your pug’s insurance. They have an annual deductible of $200, $300, $500, $750, or $1,000. They will offer you a unique benefit by lowering your deductible by $50 each year you don’t receive a claim payment.
This means that if your pug doesn’t require medical treatment, you’ll lower the amount you pay out-of-pocket before coverage begins. Their reimbursement rate is between 65%-90%. The waiting period is 14 days for illnesses, two days for injuries, and six months for orthopedic conditions.
Embrace offers coverage for a wide variety of injuries, ailments, and health services such as:
- Accidents
- Illnesses
- Dental problems
- Cancer treatment
- Chronic conditions
- Exam fees
- Alternative therapies (physical therapy, acupuncture, chiropractic, and more)
- Behavioral therapy
- Specialist care
- Diagnostic testing
- Hospitalization and surgery
- Prosthetics and mobility devices
- Prescription drug coverage
They also offer coverage for breed-specific and genetic conditions. This is great if you’re worried about your pug developing a hip or bone problem in the future. This insurance policy will give you ease of mind as a pug owner.
As much as they can cover all the above, there are some cons. They won’t provide coverage for pre-existing conditions. This means it’ll cover chronic conditions that your pug develops after your policy starts, but it won’t cover any condition the pug has when you sign the contract. You’ll need to have visited a vet in the past year before you can sign. They also lean towards the pricey side.
With Embrace pet insurance, you can take your pug to any licensed veterinarian in the USA. Also, there is a 30-day money-back guarantee, whereby if you aren’t happy with the insurance, you can cancel your policy and walk away with no incurred costs.
Fetch by the Dodo
Previously known as Pet Plan, Fetch by The Dodo is another good pet insurance company. It has an annual deductible of $250-$1000. The reimbursement rate is between 70%-90%. The waiting period for the insurance is 15 days for accidents and illnesses, plus six months for hip dysplasia, cruciate ligaments, and patella.
Fetch Pet offers coverage for:
- Accidents
- Illnesses
- Exam fees
- Specialist visits
- Comprehensive dental
- Breed-specific conditions
- Virtual vet visits
- Diagnostic tests
- Imaging and ultrasounds
- Behavioral therapy
- Cancer treatment
- Surgery and rehabilitation
Another convenient thing about Fetch Pet insurance is that they have an accessible online presence for submitting claims, with 24/7 customer service. Also, you can customize your policy in whichever way you want.
Fetch Pet insurance does not cover pre-existing conditions, preventative care, cosmetic procedures, and prescription food when it comes to cons.
Pets Best Insurance
Pets Best is incredible for choices of deductibles for your pug insurance. Its annual deductibles range from $50-$1000. These deductibles are paid annually, not per incident. Their reimbursement rate ranges between 70%-90%.
The waiting period for Pets Best insurance plan is 14 days for illnesses and three days for accidents. If the routine care plans coverage is added, you can use it on your policy effective date. This will be effective from the date you purchase the policy.
Pets Best offers coverage for injuries, illnesses, accidents, surgeries, chronic conditions, wheelchairs, prosthetics, etc. You can add a pet wellness plan to cover routine and preventative costs, including vaccination, dental cleaning, deworming, neutering, and checkups for more protection. You can use your Pets Best Insurance at licensed veterinarians in the United States, Canada, and Puerto Rico.
The cons of Pets Best are that they don’t cover pre-existing conditions, including those that a vet may not have previously diagnosed.
ManyPets
ManyPets is the best for the lowest out-of-pocket claims cost. It has an annual deductible that ranges from $0 to $750. The reimbursement rate ranges between 70%-100%. It is the only pet insurance that has a 100% reimbursement rate. In a state like Georgia, you can choose 100% reimbursement and a $0 deductible, meaning no out-of-pocket costs for a claim. There is a 14-day waiting period for all covered conditions.
ManyPets offers coverage for:
- Accidents
- Illnesses
- Veterinary examinations
- Diagnostic testing (X-rays, lab tests, etc.)
- Prescription medication
- Surgeries
- Medical supplies
- Hospitalization
- Euthanasia and cremation
- Hereditary conditions
- Congenital conditions
- Cancer treatment
- Chronic conditions
- Alternative therapies
- Dental injuries and periodontal disease
Unfortunately, it also has cons. First, it isn’t available in states like Alaska, Florida, Hawaii, Idaho, Massachusetts, Minnesota, Missouri, Oklahoma, or Vermont.
However, there are plans to make it available nationwide. Also, it doesn’t cover pre-existing conditions and behavioral medication or therapy. One will have to pay more for a pet wellness plan for routine or preventative health care.
How Do You Choose the Best Insurance for Your Pug?
As a pug owner, when you are spoiled for choice with many insurance policies, it’s best to look at the following to know the best insurance for pugs.
Policy Terms
Ensure the pet insurance has a clear outline of what you are to expect if you enroll as a policyholder. Ensure you thoroughly go through their deductibles, reimbursement rates, waiting period, benefit limits, and discounts.
Coverage Inclusion and Exclusions
Ensure you go through what will and won’t be done for your pug.
Eligibility
Ensure that you can use the pet insurance nationwide or it is eligible in the state where you reside. Also, ensure that you can get the pug pet insurance no matter the age of your pug.
Customer Review
With each pet insurance you consider signing up for, go through the customer reviews as it will give you an honest look into the customer service experience and the policies offered.
How Do You Buy a Pug Pet Insurance Plan?
You can compare pet insurance quotes among different insurers to find the policy that fits your budget. Free pet insurance costs are available online. Most pet insurance companies will offer free quotes after you answer a few questions about your pug.
Is Pug Pet Insurance Worth It?
If your pug gets an injury or illness, fully covering the veterinary medical bill out-of-pocket can be very costly. Pet insurance will be a good safety net to help cover some of the costs incurred.
Hopefully our list of best pet insurance for pugs in the USA has given you the guidelines you need when selecting the best pet insurance for your dog.
