Why Pomeranian Owners Need Insurance

My Pomeranian is an absolute bundle of joy, constantly delighting my family with its playful antics and boundless energy. While her charming nature is truly heartwarming, it’s important to keep in mind that these spirited dogs do have their share of health challenges and possible mishaps.

Diving into the nuances of this breed allows you to grasp why you as a Pomeranian owner need pet insurance. It’s not just about ensuring your Pomeranian’s health but also about saving money on big payouts.

Come, read my compelling reasons to insure your pomeranian, helping you sidestep unforeseen costs while ensuring your dog remains in top shape.

Keep your Pomeranian in top shape

Our Experience with Pomeranian Insurance

As a Pomeranian owner, you might be wondering why pet insurance for your pup is important. Well, based on our decades of experience, it has been a true lifesaver!

Pomeranians, like any other breed, can encounter various accidents, incidents, and health issues over their lifetime, and the costs can quickly become unaffordable without the right type of insurance in place.

A big reason why Pomeranians need pet insurance is their curiosity and energetic nature. These traits can, unfortunately, lead to various accidents, such as broken teeth and bones, or ingestion of harmful substances.

For example, one of our Pomeranians once managed to sneak a bite of something incredibly toxic while out on a walk in the forest. We didn’t know what it was, but it made him unwell very quickly.

Thankfully, our Pet Insurance covered the emergency vet visit and subsequent treatment, reducing a huge amount of stress for us at the time.

Keep your Pomeranian safe with pet insurance

Here are some common examples of incidents and health issues that we and other Pomeranian owners have claimed for with our pet insurance:

  • Swallowing Foreign Objects – endoscopy and surgery for removal
  • Chronic Ear Infections – long-term medications, ear cleaning, and potential surgery
  • Broken Bones – immobilization, surgery, and conservative management
  • Anal Gland Rupture – antibiotics, pain relief, and surgical intervention
  • Hip Dysplasia – surgery and physical therapy
  • Dental issues – dental cleaning and extractions
  • Obesity Management – specialized diets and consultations

Pet insurance has provided us and other Pomeranian owners with peace of mind, knowing that unexpected costs won’t spiral out of control. By having a sufficient insurance policy in place, you can focus on providing the best care for your Pomeranian without the financial stress that often comes with these situations.

With that said, understanding the unique characteristics of Pomeranians is essential, so let’s explore why insurance is so important for these pups.

Pomeranian with a stick training

Pomeranian Characteristics

It’s essential to be aware of certain characteristics of your Pomeranian that may require a specific type of pet insurance.

Here are three aspects of Pomeranians that make them more susceptible to accidents and illnesses.

Prone to Accidents

Pomeranians are known for their energetic and carefree nature, which can sometimes lead to accidents. Being curious and adventurous, they may explore areas that pose risks, such as getting hit by a car or ingesting harmful substances.

Here’s a list of common Pomeranian behavioral issues that are likely to get them into trouble.

Pet insurance can provide coverage for these unexpected incidents and help you manage the expenses that may arise from veterinary care for your pup.

Physical Predispositions

Your Pomeranian may be predisposed to certain health conditions due to their physical features. One common ailment affecting Pomeranians is obesity, as they are prone to weight gain if not properly exercised and fed.

Obesity can lead to other health issues such as heart disease, joint problems, or diabetes. Ensuring your Pomeranian has adequate pet insurance coverage can provide support for managing weight-related health concerns.

Also, their characteristic small, upright ears may be prone to infections, as they can restrict airflow, creating a warm and moist environment that favors bacterial growth. Regular cleaning and pet insurance coverage can help address infections and keep your Pomeranian’s ears healthy.

Hereditary Disorders

Pomeranians may also be susceptible to certain hereditary disorders. Some common examples include hip dysplasia, epilepsy, and eye conditions such as progressive retinal atrophy.

Early detection and treatment for these conditions can significantly improve your Pomeranian’s quality of life. Having pet insurance can help cover the necessary consultations, tests, and treatments to manage hereditary disorders, providing you with peace of mind while caring for your pup.

Considering these characteristics, it’s important to have insurance coverage tailored to your Pomeranian’s specific needs, ensuring the health and well-being of your furry companion.

Vet checking my Pomeranian

Common Health Issues in Pomeranians

As a purebred dog, Pomeranians tend to be more susceptible to genetic health issues compared to mixed-breed dogs. Understanding these problems can help you take preventive measures and provide proper care when needed.

Ear Infections

Pomeranians may have small, upright ears, but they can still be prone to ear infections. Regularly clean and check your Pomeranian’s ears for any signs of redness, swelling, or discharge. If you detect an infection, a trip to the vet is necessary for appropriate treatment in order to prevent permanent damage to their hearing.

Anal Gland Issues

Pomeranians can be prone to anal gland issues which occur when the glands become clogged or infected. Keep an eye out for signs such as scooting on the floor, licking or biting the area, or swelling near the anus. Should you notice any of these symptoms, consult your vet for proper treatment.


Your Pomeranian may also be at risk for hypothyroidism, a condition where the thyroid gland does not produce enough thyroid hormone. Symptoms may include weight gain, lethargy, skin issues, or hair loss.

Regular vet check-ups are crucial for early detection and proper treatment. If diagnosed, your veterinarian may prescribe thyroid hormone replacement medication to manage the condition.

Hip Dysplasia

This genetic condition causes the hip joint to develop abnormally, leading to arthritis and joint pain. You can help reduce the risk by maintaining a healthy weight for your Pomeranian and avoiding excessive jumping and rough play at a young age. If you observe signs of hip dysplasia, such as limping or stiffness, consult your veterinarian.

Pomeranian on the beach

Being informed about these common health issues can help you provide the best care possible for your pomeranian, ensuring they live a happy and healthy life.

The Need for Pomeranian Insurance

Pet insurance plays a vital role in managing these health concerns and providing the best care for your Pomeranian. In this section, we’ll discuss the financial benefits and peace of mind pet insurance brings to Pomeranian owners.

Financial Benefits

Pomeranians can be prone to various genetic and health conditions, which can result in hefty vet bills. By investing in pet insurance, you can alleviate some of the financial burdens associated with unexpected healthcare costs for your furry friend.

Coverage can range from regular checkups and vaccinations to surgeries and emergency care. Customizing your policy can tailor the coverage to your Pomeranian’s specific needs at an affordable price.

Depending on the provider and plan, monthly premiums can start as low as $18, with varying deductibles and reimbursement rates. This can help you plan and budget for your Pomeranian’s healthcare costs, ensuring they receive the necessary care without causing too much financial strain.

Peace of Mind

Pet insurance offers much more than just financial benefits; it also provides Pomeranian owners with peace of mind. Knowing that your dog’s healthcare expenses are covered allows you to focus on their well-being and happiness, rather than stressing about the costs.

With a good pet insurance policy, you can visit any vet in the country, including specialty clinics and emergency facilities. This flexibility ensures that your Pomeranian receives the appropriate care they need, regardless of the situation. In addition, claim processing times can be as short as 2-14 business days, allowing for prompt care and reimbursement.

By investing in pet insurance for your Pomeranian, you’re not only safeguarding their health but also ensuring a more carefree and enjoyable experience as a pet parent. This peace of mind is invaluable for both you and your pup.

Healthy Pomeranian in the park with its owner

How to Choose the Right Pomeranian Insurance

To ensure you choose the right pet insurance plan for your Pomeranian, consider the following:

Coverage Options

There are various coverage options available for pet insurance plans. You’ll want to select a plan that covers the most common health concerns for Pomeranians. For example, a comprehensive plan should include coverage for:

  • Accidents and illnesses
  • Hereditary and congenital conditions
  • Chronic conditions
  • Prescription medications
  • Diagnostic tests and treatments

It’s crucial to review the policy details and ensure that specific conditions, such as ingestion of foreign objects (which can cost between $600 – $4,000 to diagnose and treat), are covered as well.

Pricing and Deductibles

When choosing pet insurance for your Pomeranian, your budget will play a significant role. Compare the monthly premiums, deductibles, and coverage caps of different plans to find the right balance between affordability and adequate coverage.

Some insurance providers offer customizable plans, allowing you to personalize your Pomeranian’s coverage while staying within your budget.

Keep in mind that deductibles will affect both the monthly premium and your out-of-pocket costs. Lower deductibles may result in higher premiums, while higher deductibles may lead to lower premiums but increased costs when you need to use the insurance.

By considering the coverage options, pricing, and deductibles, you can make an informed decision when selecting the best pet insurance plan for your beloved Pomeranian.

Insurance Providers for Pomeranians

When looking for pet insurance providers for your Pomeranian, consider companies that offer comprehensive coverage for accidents and illnesses. With various options available, you can choose between injury-only, illness-only, or combined plans that cover both types of treatments. Be sure to assess the coverage, deductible, and premium costs to find the best plan for you and your pet.

Some noteworthy insurance providers to consider for your Pomeranian include:

  • Lemonade Pomeranian Insurance
  • Pets Assure
  • Spot Pet Insurance
  • Embrace


Remember to compare quotes and coverage options to find the most suitable policy for your Pomeranian’s specific needs. Additionally, look for insurers with user-friendly policy management, a proven track record, and a solid reputation for processing claims efficiently. By doing so, you’ll be able to provide your Pomeranian with the best possible care while safeguarding your finances.

Two Pomeranians with their man owner

Protection for your Pomeranian

Pet insurance serves as a cushion, helping tackle the expenses from routine vet check-ups, emergency treatments, to essential medications, emphasizing why Pomeranian owners need insurance. This provides the assurance that you can always offer top-tier care for your Pomeranian throughout their journey.


Remember, investing in suitable insurance for your Pomeranian not only safeguards their health but also helps keep you prepared for any unexpected medical expenses. So take the time to research and compare different pet insurance policies to find the best option for your pup and your family’s needs.