What We Cover

PuggersInsurance offers the most comprehensive PUG liability coverage in Azeroth. Our policies are designed by former Mythic+ runners who understand the real risks of grouping with strangers.

Broken cracked keystone

Key Depletion Coverage

Your keystone depleted because the DPS couldn't interrupt? We'll cover the cost of re-timing. Policies start at just $4.99/month for keys up to +15.

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Ninja looter running with epic loot

Ninja Looting Protection

When that BiS trinket drops and the tank rolls Need "for offspec," our Ninja Looting Protection ensures you're compensated at full market value.

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Healer with DC symbol, group panicking

Healer Disconnect Policy

Covers losses incurred when your healer "disconnects" at the worst possible moment. Includes sub-policies for "healer was actually in a BG queue" scenarios.

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Why PuggersInsurance?

  • Founded by former Mythic+ world-first raiders
  • Claims processed in 3-5 business dungeons
  • Adjusters available 24/7 (except during maintenance)
  • Policies available in all regions and datacenters
  • No credit check — only Raider.IO score review
  • Discounts for groups with voice comms
  • Bundle & save: add Raid Night coverage for 20% off

By the Numbers

2.4M
Keys Protected in 2025
$18.7M
Claims Paid Out
98.7%
Claim Approval Rate
4.9★
Raider.IO Reviews

What Our Policyholders Say

After our healer DC'd on the last boss of a +22 and we depleted, PuggersInsurance had our key restored within two resets. Absolute lifesaver.

— Thrällgrimm, Prot Warrior • Area 52 (US)

I was skeptical until a rogue rolled Need on my healer trinket and won. Filed a claim, got compensated the full AH value. 10/10 would insure again.

— Leafwhisper, Resto Druid • Ravencrest (EU)

The premium calculator told me my Tuesday night, all-melee, no-lust group was "Catastrophic Risk." They were right. Should have listened.

— xXDeathSlayerXx, Unholy DK • Illidan (US)

Tank pulled three packs, blamed the healer, then left. PuggersInsurance covered the key AND the emotional damages. Their adjusters are former raid leaders — they get it.

— Mistweävr, MW Monk • Frostmourne (OCE)

My claim was denied because it was classified as an 'Act of Blizzard' (surprise hotfix mid-key). Honestly? Fair. I read the fine print. Respect.

— Boltcaster, Destro Warlock • Stormrage (US)

Ready to Protect Your Keys?

Get a personalized quote in under 30 seconds. No Raider.IO score too low. No group comp too questionable.

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