Pug Insurance Benefits

Breed-Specific Care
From breathing issues and eye injuries to skin folds and hip problems, Pugs can be prone to certain health challenges. Insurance helps you stay prepared (subject to waiting periods, policy limits, sub-limits and no pre-existing signs).

Access To Vet Care
With insurance, you can take your Pug to the vet right away without worrying about the upfront costs.

Less Bill Shock
Claim up to 80% of eligible vet bills (after your chosen excess) up to the annual limit, making surprise expenses easier to manage.

No Consult Fee Sub-Limit
See any licensed vet in Australia and claim eligible consults without a special cap.

How does Pug Insurance Work at PetsOnMe

Protect your Pug during and after injuries, accidents, and illnesses.

Choose to pay by the month, with no lock-ins

Get up to 80% cover of an eligible claim less your chosen excess up to the annual limit.

Choose any licensed and registered veterinarian.

Make quick and easy claims via our pet portal.

Why Your Pug Needs Specific Pet Insurance

Playful, loving and full of charm, Pugs are one of Australia’s most adored breeds. But their brachycephalic (flat-faced) build makes them prone to unique health concerns. Pet insurance helps cover diagnostics, medications and surgery so you can focus on care, not costs.

Common health considerations for Pugs include:

  • Brachycephalic airway syndrome (breathing issues)
  • Eye injuries and conditions (corneal ulcers, proptosis)
  • Skin fold infections and allergies
  • Hip dysplasia and patella luxation
  • Dental disease
  • Obesity-related problems


  • Choose a cover level that suits your Pug and your budget:

  • Accidental Plan — $5,000 annual limit (injury-only)
  • Classic Plan — $10,000 annual limit (accidents + illnesses; hereditary sub-limit applies)
  • Deluxe Plan — $20,000 annual limit (accidents + illnesses; higher hereditary sub-limit plus dental illness cap)


  • You can claim up to 80% of eligible bills (after your chosen excess of $100 / $200 / $300), visit any licensed vet in Australia, and submit claims online — most valid claims are typically paid the next business day once we have what we need.

    Important: Waiting periods, limits, sub-limits and exclusions apply. Pre-existing conditions are generally not covered. Always read the current PDS & FSG to decide if the product is right for you.

    Frequently Asked Questions
    Are Pug breathing issues covered?

    On Classic and Deluxe, eligible hereditary or brachycephalic conditions may be covered (subject to waiting periods, policy limits and sub-limits) if no pre-existing signs were present. Check the PDS for details.

    Do you cover eye injuries and ulcers in Pugs?

    Yes, on Classic and Deluxe, eye injuries and illnesses may be covered, subject to limits and exclusions.

    Are dental issues included?

    Deluxe includes cover for dental illness (annual cap). Accidental dental trauma is handled under all plans as applicable.

    Can I use my usual vet?

    Yes. You can see any licensed and registered vet in Australia and claim up to your plan’s limits.

    How much of the bill is reimbursed?

    Up to 80% of eligible vet bills, less your chosen excess ($100 / $200 / $300), up to the annual limit and any sub-limits.

    Can waiting periods be waived if I switch insurers?

    If you’ve had uninterrupted cover elsewhere for 12+ months, waiting periods may be waived when you switch. T&Cs apply.