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Top 9 Pet Insurance Plans For Pomeranians (2022)

Written by: Kelli Brinegar
For more than five years, Kelli Brinegar has been using her ability to write and her passion for research to tell the tale of what cats are thinking and why. She has provided care to more than 30 cats in her lifetime.Read more
| Published on May 6, 2022
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Pomeranians are the very definition of darling! And though they’re small, these fluffy, foxy divas have personalities far bigger than their dainty bodies. Indeed, Pomeranians are fierce pups with hearts as big as their cuteness! How is it even possible for a dog to be so adorable?

Even with their superpowers of preciousness, these sweet fluffs can’t keep illness or injury at bay forever. It’s just a fact of life that Pomeranians, like all dog breeds, are susceptible to certain health problems. In their lifetime, your Pom could experience issues with their knees, trachea, or femurs. These little ones are also prone to hypothyroidism and Cushing’s disease. But you can be prepared for the unexpected arrival of an illness or emergency with a pet insurance plan for your Pomeranian. Paying a little a month for a premium can save you big on vet bills. To help you find the best pet insurance plan for your Pomeranian, we’ve created a free and easy-to-use comparison tool to simplify your life.

Compare The Top 9 Pet Insurance Plans for Your Pomeranian Using our Free No-Obligation Quote Tool below

The simplest way to compare pet insurance prices is to use our tool below. The comparison tool will show you quotes from the top 9 pet insurance carriers, including Trupanion, Pets Best, Lemonade, ManyPets, FIGO, HealthyPaws, Prudent Pet, Spot, and Embrace pet insurance.

How Much Does Pet Insurance for a Pomeranian Cost?

Below are some sample pet insurance plans for a 1-year-old male Pomeranian using the zip code 75001 (Texas) as an example.

Ultimately, your plan’s premium will depend on several factors, including your dog’s age, size, and breed, as well as where you live. You also want to know what type of coverage your plan has and if it will help with Pomeranian-specific health problems. Let’s get more into those medical conditions and how much you can expect to pay to treat them.

pet insurance for Pomeranians

Common Health Problems Associated With Pomeranians

Luxating Patella

A genetic condition common in many toy breeds, including Pomeranians, a luxating patella is the medical term for a dislocated kneecap. It can appear on one or both back legs. The severity of a slipping kneecap can range, but it can cause arthritis and other mobility issues in the long run.

Collapsing Trachea

Pomeranians and other small breed dogs are susceptible to collapsing trachea. This issue occurs when a portion of the windpipe collapses, leading to shortness of breath, fatigue, and a “honking” cough. And depending on the severity of the collapse, it can cause respiratory distress and fainting.


Hypothyroidism is another common health problem in Pomeranians and occurs when the thyroid doesn’t produce enough hormones to regulate metabolism. This condition often presents with fatigue, weight gain, coat problems, and flaky skin. Left untreated, your dog’s entire quality of life will decline.

Cushing’s Disease

Cushing’s Disease occurs in dogs when the body produces too much cortisol because of a tumor in the pituitary gland. A smaller number of cases involve tumors on the adrenal glands. The hallmark symptoms are increased thirst, urination, appetite, and changes to the skin and fur. This disease can cause high blood pressure, diabetes, and kidney infections and even elevate your dog’s risk of blood clots when left untreated.

Legg-Calve-Perthes Disease

An issue typically found in smaller dog breeds, Legg-Calve-Perthes Disease occurs when the femur head goes necrotic and dies. This problem can occur from trauma or genetics, as it does within Poms. The disease leads to pain and restricted mobility.

Typical Costs Of Treating Health Issues In Pomeranians and How Pet Insurance Can Help

The conditions mentioned above are only a few of the health problems commonly seen in Pomeranians, as this little breed also struggles with epilepsy, hypoglycemia, and skin problems. Any way around it, your small one can create big bills. But with the right pet insurance plan for your Pomeranian, you’ll be financially ready to deal with unexpected financial hits, leaving you to concentrate on your best friend’s recovery.

Check out how pet insurance can help with the costs of these Pomeranian health issues:

  • Patellar Luxation Costs: For severe cases, your vet may recommend surgery, and orthopedic surgery for a Pomeranian can range from $1,000 to $5,000. And this cost doesn’t include physical therapy and follow-up treatments. In a situation like this, pet insurance can take the financial pressure off, knowing your pup needs surgery and remove the shock a huge bill can bring.
  • Collapsing Trachea Costs: If a collapsed trachea is suspected, your vet will perform a battery of scans and tests that might include X-rays, fluoroscopy, and a bronchoscopy. If all of these are necessary, you could receive a bill of $2,000 as a bronchoscopy requires a general aesthetic. After diagnosis, some Poms can be treated with medications like cough suppressants and steroids. In severe cases, a tracheal reconstruction may be needed to relieve the problem, and the procedure’s cost averages $5,000. A honking cough can quickly get expensive, but pet insurance can help slash costs from diagnostics to treatment.
  • Hypothyroidism Costs: Hypothyroidism is typically treated with medication and monitoring. Depending on the severity of the issue, you’re looking at $20 – $50 a month to fill your Pom’s script. That might not sound like much to start, but month after month, year after year, prescriptions for hypothyroidism can add up over time. An insurance plan that offers drug coverage or discounts can help offset costs.
  • Cushing’s Disease Costs: Diagnosing Cushing’s Disease in Pomeranians is an expensive process that requires a host of bloodwork and other specific testing. An ultrasound may also be necessary, which brings the total for diagnosis to roughly $1,500. For tumors that prove operable, surgery costs can run anywhere from $2,500 to $10,000 as a board-certified specialist usually performs the procedure. Radiation also proves effective in shrinking tumors and costs an average of $5,000. Treating Cushing’s can also involve monthly meds that run between $50 and $200. Having pet insurance for your Pomeranians when facing Cushing’s Disease can ease financial concerns and remove the need to make heartbreaking decisions when facing an impossibly high vet bill.
  • Legg-Calve-Perthes Disease Costs: Treatment for this painful bone disease involves surgery to remove the withered femur head and some of the bone neck. Costs for a femoral head and neck ostectomy can run between $1,000 to $4,000, depending on your location. If your Pomeranian develops Legg-Calve-Perthes Disease, having pet insurance will mean you can afford the expensive surgery that treats pain without hurting your bank account.

What Is Pet Health Insurance, And Why Do I Need It For My Pomeranian?

Pet health insurance works very similarly to human health insurance. Your policy quote will range in monthly price, depending on your dog’s breed, age, and where you live. Typically, you’ll spend around $15-$66 per month as a pet parent.

Pet insurance is mainly about peace of mind, knowing you won’t be totally overwhelmed in case of an emergency. Enrolling even when your dog is young and healthy will ensure you have plenty of coverage when they need expensive medical care later. If you choose a plan more suited to your dog’s particular breed, you’ll be more prepared when something happens later on in their life.

pet insurance for Pomeranians

Some plans cover accidents and illnesses, while others only cover accidents. Certain plans do cover breed-specific illnesses, and others do not. It all depends on what type of coverage you choose. With our free pet insurance comparison tool, you can get quotes from multiple insurance companies with no obligation to commit.

Whatever plan you choose, you’ll feel better knowing you can take care of your dog when they need you most. Plus, you won’t have to suddenly shell out thousands of dollars. Learn more about how pet insurance works here.

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