How much is puppy insurance in the UK?

Puppy insurance in the UK typically costs between £15-£50 per month depending on your breed, age, location and level of cover. Lifetime cover costs more than time-limited policies, and brachycephalic breeds (like French Bulldogs) tend to be more expensive to insure.

What age should I insure my puppy?

You should insure your puppy as soon as you get them, ideally from 8 weeks old. Most insurers require puppies to be at least 8 weeks old. Getting insurance early means conditions that develop later will be covered, as pre-existing conditions are typically excluded.

What does puppy insurance cover?

Puppy insurance typically covers vet fees for accidents and illnesses, third party liability, death from illness or accident, theft or straying, and advertising/reward costs. Some policies also include dental cover, behavioural treatment, and complementary therapies.

Puppy Insurance

UK Pet Insurance Quotes

Pug Puppy Insurance UK 2025

Compare Pug puppy insurance quotes from leading UK pet insurers. Find specialist Pug insurance with BOAS cover, breathing condition protection, and lifetime cover for your flat-faced friend.

Pug pet insurance from £40/month. Essential protection for brachycephalic breeds.

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Why Pug Insurance is Essential

Pugs are a brachycephalic (flat-faced) breed with significantly higher health risks than most dogs. Pug puppy insurance is not optional - it's essential. Without cover, you could face vet bills of £3,000-£7,000 for BOAS surgery alone. Many Pugs require ongoing treatment for breathing, eye, and skin conditions.

Pug Puppy Insurance at a Glance

£40-£70

Monthly Premium

Lifetime cover for Pugs

12-15

Years Lifespan

With proper care

6-8kg

Adult Weight

Small but stocky build

High

Insurance Risk

Brachycephalic breed

Common Pug Health Conditions Your Insurance Should Cover

Pugs are prone to several expensive health conditions. Make sure your Pug puppy insurance covers these common issues:

BOAS (Breathing Problems)

Very Common

Brachycephalic Obstructive Airway Syndrome affects most Pugs to some degree. Causes snoring, breathing difficulties, and exercise intolerance. Corrective surgery often needed.

Surgery cost: £2,000 - £7,000

Eye Problems

Very Common

Prominent eyes make Pugs prone to corneal ulcers, dry eye, and eye injuries. Entropion (inward-rolling eyelids) often requires surgery.

Treatment cost: £500 - £3,000

Spinal Problems

Common

Hemivertebrae (malformed vertebrae) can cause pain and mobility issues. Intervertebral disc disease (IVDD) is also seen in Pugs.

Surgery cost: £3,000 - £8,000

Skin Fold Infections

Common

The wrinkles that make Pugs cute can trap moisture and bacteria, leading to painful skin infections. Requires ongoing management.

Ongoing treatment: £200 - £800/year

Pug Dog Encephalitis (PDE)

Breed-Specific

A serious inflammatory brain condition unique to Pugs. Causes seizures and can be fatal. No cure, but management possible with early detection.

Treatment: Ongoing medication required

Hip Dysplasia

Moderate Risk

Malformation of the hip joint causing pain and lameness. Can require surgery in severe cases. Weight management helps.

Surgery cost: £2,000 - £5,000

Important: Lifetime Pug pet insurance is essential for this breed. Many conditions are ongoing, and time-limited policies would stop covering them after 12 months.

Pug Insurance Cover Options

For Pugs, we strongly recommend lifetime cover with a high vet fee limit. Here's what to expect for Pug puppy insurance pricing:

Essential for Pugs

Lifetime Cover

£40-£70/mo

Covers BOAS and breathing conditions
Ongoing conditions covered for life
We recommend £10,000+ vet fee limit

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Not Recommended

Time Limited

£25-£45/mo

BOAS becomes excluded after 12 months
Ongoing eye problems excluded
Poor value for brachycephalic breeds

Not suitable for Pugs

Avoid

Accident Only

£15-£25/mo

No BOAS cover at all
No illness cover
Leaves you exposed to major costs

Do not choose for Pugs

Pug Puppy Insurance FAQ

How much is Pug puppy insurance?

Pug puppy insurance typically costs between £40-£70 per month for comprehensive lifetime cover in the UK. This is significantly higher than many breeds because Pugs are brachycephalic (flat-faced) and prone to expensive health conditions like BOAS, eye problems, and spinal issues. Cheaper policies exist but often exclude the conditions Pugs are most likely to need.

Why is Pug insurance so expensive?

Pug insurance is expensive because the breed has multiple inherited health problems. Most Pugs suffer from some degree of BOAS (breathing difficulties), many develop eye problems due to their prominent eyes, and skin fold infections are common. Insurers price based on claim frequency, and Pugs claim far more often than most breeds.

Does Pug insurance cover BOAS surgery?

Yes, most Pug pet insurance policies cover BOAS surgery if your Pug wasn't showing symptoms before the policy started. However, check the policy wording carefully. Some insurers have specific exclusions or waiting periods for brachycephalic conditions. Lifetime cover is essential - if you have time-limited cover, BOAS would become excluded after 12 months.

What vet fee limit do I need for a Pug?

For Pugs, we recommend at least £10,000-£15,000 annual vet fee limit. BOAS surgery alone can cost £5,000-£7,000, and if your Pug develops multiple conditions (which is common), lower limits could leave you paying out of pocket. Unlimited cover is ideal if you can afford the higher premiums.

When should I insure my Pug puppy?

Insure your Pug puppy the day you bring them home (from 8 weeks old). This is absolutely critical for Pugs because many develop symptoms of BOAS and other conditions early. If you wait and your Pug shows any signs of breathing difficulties before you get insurance, it becomes a pre-existing condition and won't be covered.

Protect Your Pug Today

Compare Pug puppy insurance quotes and find lifetime cover with BOAS protection. Don't wait until health problems develop.

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