Pomeranian Pet Insurance
Give your Pom nose-to-tail coverage for all of life's surprises!
Pomeranians are lively, bold, and affectionate companions who bring endless joy to families, but as a toy breed, they’re prone to certain health conditions that can lead to expensive vet bills. Luxating patella, tracheal collapse, and dental disease are just a few common concerns that could cost thousands to treat.
Pet insurance helps you focus on what matters most: your Pom’s health and happiness. Here’s everything you need to know about coverage options, costs, and why insurance makes sense for this beloved breed.
What does Pomeranian pet insurance cover?
A base Lemonade pet health insurance policy helps cover the costs of medication, tests, and treatments if your Pomeranian has an unexpected accident or illness (provided it’s not related to a pre-existing condition, and occurs after your policy’s waiting periods have ended).
Whether it’s an unexpected accident during play time or a breed-specific illness like Luxating patella, Pomeranians benefit from comprehensive coverage that protects against life’s surprises.
Wellness care
Want to get money back for your Pom’s routine care? Our preventive packages reimburse you for the stuff you’re already doing, like annual checkups, vaccines, blood work, and other routine care that keep your pup healthy and happy.
Keep in mind, preventative care offerings might differ based on where you live. The easiest way to see what’s available? Get a free quote.
Extra coverage
You can also customize your Lemonade policy with optional add-ons like:
- Physical therapy
- Visit fees
- Dental coverage: important for small breeds that often need specialized dental care
- Behavioral conditions: helpful for this breed prone to anxiety and behavioral issues related to their size
- End-of-life and remembrance
These coverages help take a bite out of pricey treatments, services, and vet visits that Pomeranians often need.
Is pet insurance worth it for Pomeranians?
Taking care of any toy breed gets expensive, and Pomeranians can face costly breed-specific health issues throughout their 12 to 16-year lifespan. The good news? Lemonade pet parents are already saving serious money on vet bills.
Pomeranians are particularly prone to kneecap dislocation, breathing problems, and dental issues common in toy breeds, which makes insurance even more valuable.
Check out how much other Pomeranian parents have saved with pet insurance below. Your savings could be even higher.
Common Pomeranian health conditions
Pomeranians are amazing dogs, but they’re predisposed to certain health conditions that can get expensive to treat. Here are some of the most common claims we see for them, along with typical treatment costs:
| Condition | What is it? | Average treatment cost |
|---|---|---|
| Slipping Kneecap (Luxating Patella) | Kneecap slips out of place, causing limping | $500–$2,500 |
| Collapsing Trachea | Windpipe collapses; chronic cough | $400–$2,500 |
| Dental Disease (Tooth & Gum Problems) | Gum & tooth disease, possible extractions | $400–$1,500 |
| Obesity | Extra weight, leads to other health issues | $250–$800 |
| Ear Infections | Chronic or severe ear infections | $300–$800 |
| Blindness from Retinal Disease (PRA) | Inherited gradual vision loss | $300–$700 |
| Low Blood Sugar (Hypoglycemia, esp. Toy Breeds) | Sudden weakness or collapse from low blood sugar | $300–$800 |
| Heart Valve Disease | Leaky heart valve; can lead to heart failure | $300–$1,200 |
| Cataracts | Clouding of the eye lens; vision loss | $2,000–$4,000 |
| Skin Allergies (Environmental/Food) | Persistent itching from food, fleas, or environment | $400–$1,500 |
As a toy breed, Pomeranians face being prone to injury due to thier small size , which is why early coverage is important to protect their health and your wallet.
How much does pet insurance for Pomeranians cost?
Your Pomeranian’s premium depends on a few key factors: Their age, your location, and the coverages you choose. Toy breeds like Pomeranians typically cost less to insure due to their small size typically leading to lower treatment costs, though they can need specialized care.
Here’s what other Pomeranian parents typically pay for Lemonade coverage:
| Age | Average monthly premium |
|---|---|
| 1 year old | $25-$30 |
| 2 years old | $30-$35 |
| 3 years old | $30-$35 |
| 4 years old | $30-$35 |
| 5 years old | $35-$40 |
| 6 years old | $40-$45 |
| 7 years old | $50-$55 |
How can I find the best pet insurance for my Pomeranian?
While we might be biased, Lemonade was really designed with pet parents in mind, especially those with breeds like Pomeranians that need comprehensive coverage for delicate bone structure, respiratory health, and dental care.
Our customizable add-ons are perfect for Pomeranians since you can tailor coverage for their specific risks like luxating patella and tracheal collapse.
Don’t believe us? Take a look at how we stack up against the competition.
Before we go…
Pomeranians make incredible companions, but their tiny size requiring gentle handling and specialized care can get expensive fast. Pet insurance helps you say “yes” to the best care without worrying about the vet bill, whether that’s treating emergency surgery for broken bones, managing respiratory conditions, or handling an emergency.
Ready to protect your Pom? Get a personalized quote in as little as 90 seconds and see how affordable coverage can be for your Pomeranian.
Get to know your Pomeranian
Are Pomeranians good with families and children?
Good with families, but better with older kids who can handle them gently. Pomeranians are brave little personalities who might get snappy if overwhelmed. They’re loyal but need respectful interactions to thrive.
What does a Pomeranian's grooming schedule look like?
Daily brushing to prevent matting, professional grooming every 4-6 weeks. Their fluffy double coat needs regular attention, especially during shedding seasons. Regular nail trims and dental care are essential.
Are Pomeranians suitable for first-time dog owners?
Decent for first-time owners who want a small dog with big attitude. They’re portable and adaptable to apartment living, but can be yappy and need consistent training to manage their bold personalities.
Are Pomeranians easy to train?
Moderately easy to train but think they’re the boss. They’re smart but independent, so patience and positive reinforcement work best. Housetraining Pomeranians can take extra time with their tiny bladders.
What activities do Pomeranians usually enjoy?
Indoor play, short walks, and being the center of attention. They love toy games, gentle exploring, and showing off their tricks. Despite their size, they think they can take on the world.
*Lemonade Insurance analyzed policy rates of accident and illness policies to calculate average pet insurance premiums as of October, 2025. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances and additional coverages selected.