Best Pet Insurance For Pomeranians 2024: Is It Worth It?
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“This is the most comprehensive guide to finding the best pet insurance for Pomeranians. If you’re a Pomeranian parent, you understand how cute and spunky these little dogs can be. However, like all pets, they require regular care and veterinary checkups, which can be costly if you’re not prepared. This is where pet insurance comes in handy. But with so many pet insurance plans available, where do you start, and which one is the best? This post provides an in-depth review of the top pet insurance companies for Pomeranians and tips on finding the best rates. We’ll also explore some of the most common questions Pomeranian parents have about pet insurance, including coverage details, health risks, costs, and more. Let’s get started!
Why you should trust us: Our writers, editors, and in-house veterinarians spend hours analyzing and reviewing products and services to help find what’s best for you. Read the product review methodology and editorial mission to find out how we test, analyze, and rate.
Best Pomeranian Pet Insurance — At A Glance
Best Overall
Best Personalized
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
What Is Pomeranian Pet Insurance: Pet insurance is a healthcare policy that provides coverage for your pet, offering reimbursement for specific veterinary expenses. This ensures that your savings remain secure despite unforeseen medical costs. Such a policy involves a monthly premium. Should your pet fall ill or sustain an injury, you would file a claim with the insurance company to recoup your expenses.
The monthly premium for Pomeranian pet insurance
$22 to $55
How Much Does Pet Insurance Cost For Pomeranians?
The cost of insurance for a Pomeranian dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s important to remember that with the progression of veterinary technology and increased claims within your locality, your insurance premiums may rise. For example, even if your Pomeranian is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Pomeranians can range from $22 to $55. You may spend more or less depending on where you live, the deductible rate and the reimbursement percentage you choose. Pomeranian dog owners can expect to pay an average $37 monthly premium.
Pet Insurance Quotes For Pomeranians
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Pomeranians.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $27.75 | SC, 29044 | Male | Pomeranian | 6 years |
| Spot | $500 | 70% | Unlimited | $44.41 | SC, 29044 | Male | Pomeranian | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $37.43 | SC, 29044 | Male | Pomeranian | 6 years |
| Lemonade | $500 | 70% | $100,000 | $30.16 | CA, 95842 | Female | Pomeranian | 2 year |
| Spot | $500 | 70% | Unlimited | $55.16 | CA, 95842 | Female | Pomeranian | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $30.56 | CA, 95842 | Female | Pomeranian | 2 year |
| Lemonade | $500 | 70% | $100,000 | $22.38 | TX, 75219 | Female | Pomeranian | 6 months |
| Spot | $500 | 70% | Unlimited | $52.78 | TX, 75219 | Female | Pomeranian | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $33.22 | TX, 75219 | Female | Pomeranian | 6 months |
Pomeranian puppy monthly cost: $36
Adult Pomeranian monthly cost: $38
Senior Pomeranian monthly cost: $36
Is Pet Insurance For Pomeranians Worth it?
The decision to purchase pet insurance for your Pomeranian hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Pomeranian falls seriously ill or suffers an injury from an accident, incurring veterinary bills in the thousands. On average, the most common dog treatments cost $254.[1] A more severe and common condition in Pomeranians, like Patellar Luxation, can cost between $1,500 and $3,000 to diagnose and treat. Can you pay for an unexpected $3,000 veterinary bill out-of-pocket? Most people can’t. The Federal Reserve states that 40% of Americans don’t have enough savings to cover a $400 emergency and 57% of U.S. adults cannot afford a $1,000 emergency expense.[2]
Investing in pet insurance for your Pomeranian is a wise choice to protect your finances and ensure your dog can receive the necessary care. With pet insurance, should an unexpected accident or illness occur, you could be reimbursed for 70% to 100% of the veterinary costs, depending on the details of your plan and provider. Pet insurance gives peace of mind, knowing your finances and pet’s health are covered.
Predict & Protect Your Pomeranian’s Future Health
Canine Bible uses years of clinical health findings, pet insurance data points, trends, and surveys to identify common health conditions in dogs. By gaining insight into your Pomeranian’s potential future health issues and risks, you can take preventive action today and ensure that your Pomeranian does not become a part of these statistics.
1 in 3
dogs will need emergency veterinary treatment every year.
$250 to $8K
is the average cost of unexpected veterinary care for dogs.[3]
350
Pomeranian dog parents seek health advice every month.
75%
of Pomeranian have a high incidence of patellar luxation (PL).[4]
If you know your dog’s breed is predisposed to certain health issues, we strongly advise getting a pet insurance policy while your dog is still healthy. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Pomeranian’s life. Pet Insurance can spare you a lot of financial trouble.
Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life.Most Common Health Conditions In Pomeranians
Cost to treat cardiomyopathy
Cancer in dogs is the abnormal growth of cells in their body, often leading to tumors. It can affect any organ, showing varied symptoms, and requires veterinary diagnosis and treatment.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat congenital heart defect
Congenital heart defects in Pomeranians are hereditary conditions where the heart develops abnormally from birth. These can include valve malformations or holes in the heart, leading to symptoms like fatigue and coughing.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat entropion
Entropion in Pomeranians is a condition where the eyelid rolls inward, causing eyelashes to rub against the cornea. This results in discomfort, tearing, and potential corneal damage. It’s often inherited, though can also arise from eyelid injuries or muscular spasms. Treatment typically involves surgical correction.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat cataracts
Cataracts in Pomeranians result in the lens of the eye becoming opaque, significantly impairing vision. Often hereditary, they can also arise from aging, diabetes, or eye injuries. Initially, cataracts may cause slight visual disturbances but can progress to blindness. Surgical removal is the primary treatment to improve sight.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat patellar luxation
Patellar luxation in Pomeranians involves the dislocation of the kneecap from its normal position. This condition, often genetic, can cause lameness or an abnormal gait. Factors like trauma or congenital defects contribute to its development. Severity varies, potentially leading to arthritis or reduced mobility in affected dogs.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat Legg-Calve-Perthes Disease
Legg-Calvé-Perthes Disease in Pomeranians is characterized by the deterioration of the femoral head in the hip joint. This occurs due to inadequate blood supply, leading to bone necrosis. Common in young, small breeds, it causes limping, joint stiffness, and pain, significantly impacting mobility and quality of life.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat patent ductus arteriosus
This congenital heart defect occurs when a blood vessel, which is vital for fetal blood circulation, fails to close after birth. This results in abnormal blood flow between the aorta and pulmonary artery, potentially leading to heart failure. PDA is more common in female dogs.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat cryptorchidism
This condition involves the failure of one or both testicles to descend into the scrotum. It increases the risk of testicular cancer and can cause hormonal imbalances. Cryptorchidism is usually hereditary and may require surgical intervention if the retained testicles are not descended by six months of age.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat tracheal collapse
Common in small breeds, this condition involves the weakening or flattening of the tracheal rings, leading to a narrowed airway. Symptoms include a honking cough and difficulty breathing. Factors like obesity and environmental irritants can exacerbate this condition. Management may include medication, lifestyle changes, and in severe cases, surgery.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Why Get Pet Insurance For Pomeranians?
Benefits For Pomeranians
Benefits For Owners
How to Pick The Best Pomeranians Pet Insurance
Best Pet Insurance For Pomeranians
1. Best Overall Pomeranian Pet Insurance
Lemonade
Who It’s For: Excellent for Pomeranian parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.
Why we picked and recommended it: We named Lemonade our best overall pet insurance for Pomeranians for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums usually start at just $10 monthly, the lowest in the industry. We ran a few quotes for a healthy Pomeranian at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $22 and $30 monthly. We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more. They also offer several add-ons to help pet owners pay for exam fees, physical therapy, and preventive care.
2. Best Personalized Pomeranian Pet Insurance
Spot
Who It’s For: Spot Pet Insurance is ideal for Pomeranian dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.
Why we picked and recommended it: Spot Pet Insurance offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Pomeranian gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company is our top pick for finding a plan for meeting your specific financial needs and those of your pet. Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage. We ran a few quotes for a healthy Pomeranian at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $44 and $55, but prices may vary depending on your location, Pomeranian’s age, and other factors. Spot covers you when your Pomeranian gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Pomeranian Pet Insurance
Healthy Paws
Who It’s For: With no financial cap, it’s ideal for covering major medical or ongoing expenses such as chronic conditions. Beneficial for high-risk breeds such as Pomeranian.
Why we picked and recommended it: Healthy Paws offers the benefit of no cap payout, meaning there’s no maximum limit on the amount they will pay, which is particularly advantageous for severe conditions or chronic diseases that require ongoing, expensive treatments. With no financial cap, you can choose the best treatments for your pet. This can include access to advanced medical procedures, specialized surgeries, or cutting-edge treatments that might otherwise be prohibitively expensive. Additionally, Healthy Paws stands out for its quick claim processing, typically paying 99% of claims in two days, notably faster than many competitors. We ran a quote for a healthy Pomeranian at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $30 and $37. Healthy Paws insurance plans cover accidents and illnesses, cancer, emergency care, genetic conditions, alternative care, etc. They have competitive premium prices and fewer coverage exclusions.
Types of Pet Insurance Coverage For Pomeranians
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Pomeranian, reviewing and understanding your policy’s exclusions is important.
Exclusions vary based on the pet insurance company and the policy you choose. Be sure to review the list of exclusions before purchasing pet insurance to confirm that your Pomeranian is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Pomeranian Puppies
Should you get pet insurance for your Pomeranian puppy? Here are the top reasons you should consider Pomeranian puppy insurance.
Average Cost of Pomeranians Vet Bills
This is what you will pay out-of-pocket on average if you don’t have pet insurance or a wellness plan.
Average Cost of Typical Vet Procedures
| Typical Vet Procedure | Average Cost of Procedure |
|---|---|
| Puppy vaccinations | $75 - $100 |
| Flea & tick prevention | $40 - $200 |
| Heartworm prevention | $24 - $120 |
| Spay or neuter surgery | $200 - $800 |
| Annual exam | $240 - $600 |
| Teeth cleaning | $200 - $500 |
| Microchip | $40 |
Average Cost of Emergency Vet Procedures
| Typical Vet Procedure | Average Cost Of Procedure |
|---|---|
| General consultation/exam | $100 - $150 |
| General bloodwork | $80 - $200 |
| X-rays | $150 - $250 |
| Ultrasound | $300 - $600 |
| 1-2 day hospitalization | $600 - $1,700 |
| 3-5 days holspitalization | $1,500 - $3,500 |
| Wound treatment & repair | $800 - $1,500 |
| Emergency surgery | $800 - $2,500 |
| Oxygen therapy | 500 |
Sources: 5 & 6
Factors That Impact the Cost of Your Pomeranian Pet Insurance Policy
Deductibles, co-pays & coverage limits
The lower the amount you pay out of pocket for your pet’s care, the higher your insurance premium will be. For instance, selecting a deductible of $300 instead of $800 means you’ll get reimbursed quicker for your pet’s care, but it also leads to higher premium payments.
Breed
Certain breeds are prone to congenital health issues. For example, breeds such as Pomeranians often struggle with Cancer and bloat. These breed tendencies could influence your pet insurance expenses.
Location
Local veterinary care expenses are taken into account by pet insurance companies when setting the price of your policy.
Pet’s Age
Older pets generally face more health problems, which results in higher insurance premiums because there is a higher risk for the insurance company.
Understand Insurance Policy Basics
How Does Pet Insurance Work?
Imagine your Pomeranian’s pet insurance policy has the following terms:
Now, let’s say your Pomeranian incurs a veterinary bill of $1,000 for medical treatment.
This example assumes you haven’t yet met your deductible for the year. If you’ve already met your annual deductible, you won’t have to pay again for this or any new claims within the same policy year. And, since every claim you make contributes to your annual payout limit after the insurance company pays $600 for this claim, the remaining yearly payout limit is $5,000 – $600= $4,400.
Frequently Asked Question
Pomeranians Pet Insurance — Conclusion
It’s crucial to consider all your options for protecting your pet, even if you’re financially stable. It’s impossible to predict when an unexpected injury or illness will occur, not only to your dog but also in your personal life, which could affect your ability to care for your pet. Veterinary bills are typically expensive, especially for accidents. We encourage you to get coverage. Insuring your Pomeranian ensures they receive the best care when they need it most. It’s best to act proactively to avoid financial surprises and provide the best care for your furry friend. Make sure to do thorough research and compare policies to find the one that best suits both you and your pup.
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Disclaimer: The details about insurance company offerings, including prices, availability, and contract specifics, can change at any time and are at the discretion of the insurance company. This website does not control these changes. The information provided here is for reference only. It is important to thoroughly read and understand your policy before signing up for a new insurance contract, as your situation may differ from the examples used in this article.
Sources
Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process and product review methodology to learn more about how we fact-check, test products, and keep our content accurate, reliable, and trustworthy.
- Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
- Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
- Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
- Soontornvipart, K., Wangdee, C., Kalpravidh, M., Brahmasa, A., Sarikaputi, M., Temwichitr, J., Lavrijsen, I. C. M., Theyse, L. F. H., Leegwater, P. A. J., & Hazewinkel, H. A. W. (2013). Incidence and genetic aspects of patellar luxation in Pomeranian dogs in Thailand. The Veterinary Journal, 196(1), 122–125.
- Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
- Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
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