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Best Pomeranian Pet Insurance of 2022

Lisa Scott

If you have a Pomeranian, chances are they’ve already become a loved member of your family. Keep them healthy and safe by considering quality pet insurance for expensive veterinarian bills. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Is pet insurance worth it for a Pomeranian?

Medical treatment for your Pomeranian can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Pomeranian can quickly add up, costing up to a few thousand dollars. In these situations, you don’t want to be in the middle of a crisis and have to choose between your beloved dog and the affordability of their medical treatment.

To prepare for these unexpected circumstances, consider investing in pet insurance. It can help you afford your dog’s medical treatments and procedures, while you focus on your pet’s recovery. 

Pet insurance can also provide peace of mind that your pet can be covered for the necessary treatments when it has an accident, injury, or illness. This includes (but is not limited to) broken bones, cancer treatment, harm caused by another animal, and prescriptions for chronic conditions. Therefore, pet insurance can be important and beneficial for your pet.

Common health conditions for a Pomeranian

A Pomeranian is a healthy breed and has a long lifespan. You can expect your dog to live somewhere between 12 – 16 years. However, like all dog breeds, there are certain medical conditions that your pet could develop. They have some conditions they’re susceptible to and many of these are genetic. Others are age-related and may not show up until later in life. Here are the most common health problems in a Pomeranian:

  • Luxating patella: The kneecap of the hind leg is called the patella. In this inherited disorder, the patella slides out of place, usually toward the inside of the leg. It’s most common in small and toy breeds. This is a painful problem that can lead to arthritis and lameness if left untreated. Symptoms range from no signs to a dog holding up its leg or limping and hopping like a rabbit on three legs.
  • Tracheal collapse: This is another health condition that affects a Pomeranian more than other breeds. When the cartilage rings that support the windpipe become weak and floppy, this makes it harder for your dog to breathe and causes a cough that sounds like they’re choking on something. The condition usually develops over time and gets worse as your dog ages.
  • Pharyngeal gag reflex: A Pomeranian has a very sensitive gag reflex which causes them to throw up easily. Sometimes this is caused by an allergy or intolerance to certain foods. Other times, it’s caused by over-eating, especially if your puppy’s stomach is full of air.
  • Coat loss: A Pomeranian is prized for its beautiful coat. The coat can change colors and patterns over time, but color change can be a sign of stress for some dogs. Coat loss is usually temporary, but sometimes you have to visit the vet for any other underlying issues.

What does pet insurance cover for a Pomeranian?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Based on your plan, you are eligible for the following coverage:

  • Accidents: If your pet has an accident, then most policies will cover the cost of their treatment. Depending on the policy you choose, coverage for accidents may include: initial consultations and follow-up visits, treatment for injuries, including the need for x-rays or surgery, and the possible costs of having to put your pet down if they are terminally ill or badly injured and in severe pain.
  • Illness: A Pomeranian is prone to eye issues like keratoconjunctivitis sicca (KCS), in which the eyes fail to produce tears. Dry eyes can cause pain and infection and may require medication or surgery in severe cases. Poor vision can also develop as your dog ages, which may require treatment with prescription or supplements. Most insurance companies will cover these conditions.
  • Routine care: This is usually an optional extra to add to your pet insurance policy. It covers the cost of common treatments such as vaccinations, flea and worming treatments, dental checks, and neutering/spaying. This is usually purchased as an add-on to your standard policy.

In addition, most insurance providers will not cover pre-existing conditions that were established before you registered your pet for coverage. Be sure to review everything your potential pet insurance plan covers and what types of pre-existing conditions they exclude to ensure your pet will be eligible for coverage.

How are pet insurance premiums determined for a Pomeranian?

There are many factors that will determine the monthly premium rate for your Pomeranian (included but not limited to):

  • Location: Where you live and take your dog will affect the premium. If your dog lives in a region with a high risk of heartworm, Lyme disease, or other illnesses, your premium will be higher. In addition, areas with higher veterinarian costs will translate to higher premiums.
  • Age: The older your dog gets, the more likely it will get sick or injured, so your premiums will be higher for an older pet.
  • Deductible: When purchasing a policy, you’ll need to choose an annual deductible (the amount you pay out-of-pocket before your insurer starts covering costs). Higher deductibles mean lower premiums, while low deductibles can increase your monthly payments. 
  • Gender: If you have a male Pomeranian, your premium could be slightly higher than females because males are more aggressive and territorial.

How to choose the best pet insurance plan for a Pomeranian

There are many pet insurance options available for a Pomeranian, so how do you choose the best one? Here are some key factors to keep in mind as you are deciding on the right plan:

  • Check out the company’s reputation: Before you choose any pet insurance, read the reviews and testimonials of the company’s coverage and its customer service. That should give you a good idea if the company is reputable and whether it will be easy to make claims or get any other assistance you need.
  • Consider your budget: Pet insurance is an ongoing expense that can add up over the years. If your Pomeranian does not have any significant health issues, you may want to consider a lower-cost plan for routine checkups and emergency treatments.
  • Consider pre-existing conditions: Some pet insurance companies will not cover pre-existing conditions like heart disease or arthritis. However, some companies may agree to cover those conditions, so it’s worth asking about inclusions and exclusions when choosing a plan for your Pomeranian.
  • Define your needs: The first step in finding good coverage is determining what you need. Every pet insurance plan offers different benefits and levels of coverage, so it’s essential to recognize what your Pomeranian might need in terms of medical care by understanding its lifestyle, age, and health.