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Should You Buy Pet Insurance for Your Pug?

When you get sick and go to the doctor, you are probably just charged a copay and your insurance plan covers the rest of the cost. Pet insurance works in a similar way, though there are some important differences between health insurance for people and for pets. If you’ve been thinking about getting pet insurance for your Pug, take the time to learn the basics about your options before you make your choice to ensure that it is what’s best for you, your dog, and your pocketbook.

What is Pet Insurance?

The primary purpose of health insurance for people is to mitigate the cost of medical care. Pet insurance, though it does provide this benefit to a certain degree, is more for the pet owner’s peace of mind – the knowledge that you will be able to give your dog the veterinary care he needs, when he needs it. With pet insurance, you pay a monthly fee (called a premium) in exchange for coverage. When you take your dog to the vet, you’ll still be required to pay the full amount but you can then file a claim to have some, most, or all of the cost reimbursed by the plan. It is important to note that most pet insurance plans don’t offer 100% reimbursement and there are a number of pre-existing conditions that aren’t covered.

You should also know that different plans offer different types of coverage. Most plans don’t cover routine and wellness care (though there are some plans that cover basic wellness for the first year of a puppy’s life), nor do they cover cosmetic procedures. Some pet insurance plans only cover accidents and injuries while others cover illnesses. You can purchase comprehensive plans, though these are more expensive. Like a health insurance plan, you’ll most likely have a deductible that will apply either per-incident or per-year, and most plans have limits as to how much they will pay out.

Is Pet Insurance Worth it for Pugs?

Most pet insurance companies offer dog owners the ability to customize their insurance plan to fit their needs. When considering pet insurance for Pugs, there are several things to think about. Pugs are not the most active breed and they are a non-sporting breed, so the risk for injury is fairly low compared to other breeds. Pugs are, however, prone to a number of inherited conditions which may require costly treatment – examples include Legg-Calve-Perthes disease and portosystemic shunt. If your Pug is overweight or obese, he may be prone to other health problems as well. In the end, it is up to you to decide whether you want the peace of mind that comes with pet insurance, even if you have to pay a monthly premium as well as a deductible.

When it comes to the subject of pet insurance, there is no strict right or wrong – it is a good choice for some dog owners and not for others. What you need to do is think about the pros and cons and take into consideration your Pug’s health as well as your budget. If you want to protect yourself against high vet bills in the event of an accident or illness, pet insurance might be a good choice for you.

Photo credit: Yuttana Jaowattana/Shutterstock