Based on MoneyGeek's analysis, AKC provides the best pet insurance for Pomeranians, offering strong customer satisfaction and comprehensive coverage options. Other top-rated providers worth considering include Rainwalk, Lemonade and Pets Best.
Pomeranian Insurance
Updated: December 29, 2025
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Key Takeaways
AKC is the best pet insurance company for Pomeranians, offering strong coverage and service quality.
Lemonade offers the cheapest pet insurance rates for Pomeranians, with an average rate of $29 per month.
The average monthly cost of pet insurance for Pomeranians is $85, making them the 163rd most expensive dog breed to insure.
Best Pomeranian Pet Insurance Companies
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
Learn more about the best pet insurance options for your Pomeranian across different situations:
AKC
Best for Pomeranians
MoneyGeek Rating
4.5/ 5
4.3/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$43Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Pomeranian Pet Insurance by State
AKC leads Pomeranian insurance coverage in all 50 states. Rainwalk ranks highest in Illinois, Michigan and Utah.
| Alabama | AKC | 4.45 |
| Alaska | AKC | 4.45 |
| Arizona | AKC | 4.45 |
| Arkansas | AKC | 4.5 |
| California | AKC | 4.5 |
| Colorado | AKC | 4.45 |
| Connecticut | AKC | 4.45 |
| Delaware | AKC | 4.45 |
| Florida | AKC | 4.5 |
| Georgia | AKC | 4.45 |
| Hawaii | AKC | 4.45 |
| Idaho | AKC | 4.45 |
| Illinois | AKC | 4.45 |
| Illinois | Rainwalk | 4.45 |
| Indiana | AKC | 4.5 |
| Iowa | AKC | 4.45 |
| Kansas | AKC | 4.45 |
| Kentucky | AKC | 4.5 |
| Louisiana | AKC | 4.45 |
| Maine | AKC | 4.45 |
| Maryland | AKC | 4.45 |
| Massachusetts | AKC | 4.45 |
| Michigan | Rainwalk | 4.4 |
| Michigan | AKC | 4.4 |
| Minnesota | AKC | 4.45 |
| Mississippi | AKC | 4.5 |
| Missouri | AKC | 4.45 |
| Montana | AKC | 4.5 |
| Nebraska | AKC | 4.45 |
| Nevada | AKC | 4.45 |
| New Hampshire | AKC | 4.45 |
| New Jersey | AKC | 4.45 |
| New Mexico | AKC | 4.5 |
| New York | AKC | 4.5 |
| North Carolina | AKC | 4.45 |
| North Dakota | AKC | 4.5 |
| Ohio | AKC | 4.45 |
| Oklahoma | AKC | 4.55 |
| Oregon | AKC | 4.5 |
| Pennsylvania | AKC | 4.5 |
| Rhode Island | AKC | 4.5 |
| South Carolina | AKC | 4.5 |
| South Dakota | AKC | 4.5 |
| Tennessee | AKC | 4.45 |
| Texas | AKC | 4.5 |
| Utah | AKC | 4.4 |
| Utah | Rainwalk | 4.4 |
| Vermont | AKC | 4.45 |
| Virginia | AKC | 4.4 |
| Virginia | Rainwalk | 4.4 |
| Washington | AKC | 4.55 |
| West Virginia | AKC | 4.5 |
| Wisconsin | AKC | 4.4 |
| Wyoming | AKC | 4.5 |
*Rates are for a 6-year-old Pomeranian with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will depend on your pet's profile and location.
Cheapest Pomeranian Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Pomeranians at $29 per month or $345 annually. Other budget-friendly options include Pets Best, Pumpkin, ASPCA and Figo.
| Lemonade | $29 | $345 | 47% |
| Pets Best | $31 | $370 | 44% |
| Pumpkin | $32 | $377 | 43% |
| ASPCA | $35 | $421 | 36% |
| Figo | $38 | $453 | 31% |
*Rates are for a 6-year-old Pomeranian with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will depend on your pet's profile and location.
Lemonade
Cheapest Pet Insurance for Pomeranians
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate
$29Overall Customer Sentiment
72% positiveMaximum Annual Limit
$100,000Unique Coverage Inclusion or Add-on
Physical therapy for new accidents and illness
Cheapest Pomeranian Pet Insurance by State
Lemonade offers the most affordable Pomeranian insurance nationwide, ranking lowest in 50 states. Monthly premiums range from $19 to $37, depending on location.
| Alabama | Lemonade | $21 | 50% |
| Alaska | Lemonade | $28 | 48% |
| Arizona | Lemonade | $35 | 46% |
| Arkansas | Lemonade | $19 | 50% |
| California | Lemonade | $36 | 44% |
| Colorado | Lemonade | $36 | 46% |
| Connecticut | Lemonade | $33 | 47% |
| Delaware | Lemonade | $29 | 48% |
| Florida | Lemonade | $33 | 47% |
| Georgia | Lemonade | $26 | 46% |
| Hawaii | Lemonade | $29 | 48% |
| Idaho | Lemonade | $29 | 47% |
| Illinois | Lemonade | $36 | 46% |
| Indiana | Lemonade | $26 | 46% |
| Iowa | Lemonade | $24 | 48% |
| Kansas | Lemonade | $26 | 48% |
| Kentucky | Lemonade | $23 | 50% |
| Louisiana | Lemonade | $23 | 49% |
| Maine | Lemonade | $35 | 47% |
| Maryland | Lemonade | $28 | 52% |
| Massachusetts | Lemonade | $37 | 46% |
| Michigan | Lemonade | $29 | 48% |
| Minnesota | Lemonade | $30 | 46% |
| Mississippi | Lemonade | $25 | 49% |
| Missouri | Lemonade | $23 | 49% |
| Montana | Lemonade | $24 | 48% |
| Nebraska | Lemonade | $26 | 48% |
| Nevada | Lemonade | $30 | 47% |
| New Hampshire | Lemonade | $33 | 46% |
| New Jersey | Lemonade | $33 | 46% |
| New Mexico | Lemonade | $25 | 48% |
| New York | Lemonade | $31 | 47% |
| North Carolina | Lemonade | $26 | 49% |
| North Dakota | Lemonade | $22 | 48% |
| Ohio | Lemonade | $26 | 49% |
| Oklahoma | Lemonade | $24 | 48% |
| Oregon | Lemonade | $36 | 46% |
| Pennsylvania | Lemonade | $30 | 48% |
| Rhode Island | Lemonade | $25 | 48% |
| South Carolina | Lemonade | $28 | 46% |
| South Dakota | Lemonade | $25 | 49% |
| Tennessee | Lemonade | $27 | 47% |
| Texas | Lemonade | $30 | 46% |
| Utah | Lemonade | $28 | 48% |
| Vermont | Lemonade | $27 | 48% |
| Virginia | Lemonade | $31 | 48% |
| Washington | Lemonade | $33 | 49% |
| West Virginia | Lemonade | $25 | 47% |
| Wisconsin | Lemonade | $31 | 48% |
| Wyoming | Lemonade | $27 | 47% |
*Rates are for a 6-year-old Pomeranian with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's profile and location.
How Much Does Pomeranian Insurance Cost?
Monthly pet insurance for Pomeranians ranges from $58 to $111 across the U.S., ranking as the 163rd most expensive breed to insure. Your actual premium depends on your location, coverage choices and pet's specific needs.
| Alabama | $64 | $772 | -24% |
| Alaska | $84 | $1,010 | -1% |
| Arizona | $102 | $1,219 | 19% |
| Arkansas | $58 | $693 | -32% |
| California | $106 | $1,267 | 24% |
| Colorado | $107 | $1,281 | 25% |
| Connecticut | $98 | $1,168 | 14% |
| Delaware | $86 | $1,036 | 1% |
| Florida | $97 | $1,164 | 14% |
| Georgia | $76 | $909 | -11% |
| Hawaii | $87 | $1,045 | 2% |
| Idaho | $85 | $1,020 | -0% |
| Illinois | $104 | $1,252 | 23% |
| Indiana | $77 | $923 | -10% |
| Iowa | $71 | $847 | -17% |
| Kansas | $78 | $930 | -9% |
| Kentucky | $68 | $819 | -20% |
| Louisiana | $69 | $827 | -19% |
| Maine | $103 | $1,234 | 21% |
| Maryland | $89 | $1,069 | 5% |
| Massachusetts | $111 | $1,326 | 30% |
| Michigan | $86 | $1,029 | 1% |
| Minnesota | $87 | $1,048 | 3% |
| Mississippi | $74 | $881 | -14% |
| Missouri | $68 | $810 | -21% |
| Montana | $72 | $868 | -15% |
| Nebraska | $77 | $917 | -10% |
| Nevada | $87 | $1,042 | 2% |
| New Hampshire | $98 | $1,174 | 15% |
| New Jersey | $95 | $1,143 | 12% |
| New Mexico | $75 | $901 | -12% |
| New York | $93 | $1,118 | 9% |
| North Carolina | $77 | $927 | -9% |
| North Dakota | $66 | $790 | -23% |
| Ohio | $80 | $953 | -7% |
| Oklahoma | $72 | $857 | -16% |
| Oregon | $106 | $1,270 | 24% |
| Pennsylvania | $90 | $1,075 | 5% |
| Rhode Island | $76 | $904 | -12% |
| South Carolina | $82 | $978 | -4% |
| South Dakota | $77 | $918 | -10% |
| Tennessee | $79 | $943 | -8% |
| Texas | $88 | $1,055 | 3% |
| Utah | $83 | $992 | -3% |
| Vermont | $79 | $952 | -7% |
| Virginia | $93 | $1,117 | 9% |
| Washington | $99 | $1,183 | 16% |
| West Virginia | $73 | $878 | -14% |
| Wisconsin | $92 | $1,103 | 8% |
| Wyoming | $78 | $940 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Pomeranian. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Pomeranian Insurance Costs?
Pomeranians rank as the 163rd most expensive breed to insure, with monthly premiums averaging $85. Breed-specific health factors drive these higher costs, though you can manage your coverage expenses through smart comparison shopping and coverage customization.
Health predispositions
Potential vet costs: $2,500 to $12,000
Pomeranians have several breed-specific health challenges that insurers consider high-risk. Patellar luxation often requires surgical correction, which can be costly. These small dogs are prone to tracheal collapse, dental disease and heart problems like patent ductus arteriosus. Their genetic predisposition to these conditions increases insurance premiums and potential out-of-pocket expenses.
Size-related factors
Potential vet cost increase: 15% to 25% higher vet costs
As a toy breed, Pomeranians require specialized veterinary care that can increase treatment costs. Their small size means they need precise medication dosing and carefully controlled anesthesia during procedures. Their delicate bone structure also makes them susceptible to injuries from routine activities. Special equipment like small-gauge needles and pediatric monitoring devices are often necessary, contributing to higher treatment expenses.
Lifespan considerations
Annual vet costs by age: $200 to $800 (Young) to $1,000 to $3,000 (Senior)
Pomeranians live 12 to 16 years, longer than many larger breeds. This extended lifespan means more years of potential health issues and veterinary care. Senior Pomeranians often develop age-related conditions requiring regular monitoring and treatment, leading to increased medical expenses in their later years. Preventive care becomes particularly important as these small dogs age.
Behavioral and activity risks
Potential vet costs: $800 to $4,500
Despite their small size, Pomeranians are energetic and bold, which can lead to injury-related veterinary visits. Their fearless nature means they might challenge larger dogs or attempt jumps beyond their physical capabilities. Their fragile bone structure makes them particularly vulnerable to fractures and joint injuries during normal play. This combination of high spirit and physical delicacy often results in emergency vet visits.
Breeding-related issues
Potential Vet Costs: $1,500 to $8,000
Increased popularity has led to breeding practices that sometimes overlook genetic health screening in Pomeranians. This trend has resulted in higher rates of inherited conditions like alopecia X and heart defects. Insurance providers may impose breed-specific limitations or higher premiums as a result. Selecting a puppy from health-tested parents reduces your risk of denied claims or expensive hereditary condition treatments.
While your Pomeranian shares breed traits with others, their health needs are unique. Base your insurance choice, including your deductible, annual limit or reimbursement rate, on your pet's health history and your budget limits. A conversation with your vet helps identify which health risks matter most for your Pom.
INSURANCE RISK PREVENTION
Keep your Pomeranian healthy by maintaining proper weight through measured portions and daily walks. Choose breeders who conduct genetic health testing, and schedule regular dental cleanings to prevent tooth loss. Ask your vet about early screening for common breed issues like luxating patella. Keep your pet active but avoid strenuous exercise right after meals to reduce digestive problems.
How to Get the Best Cheap Pomeranian Pet Insurance
Smart comparison shopping for pet insurance can lower your Pomeranian's coverage costs:
- 1Understand your coverage options
Determine whether pet insurance is worth it for Pomeranians. Consider common breed health issues like dental problems and knee issues when choosing between accident-only or comprehensive coverage.
- 2Compare insurance companies
Get familiar with top pet insurance providers and their basic rates. Look at customer reviews and check how quickly each company processes reimbursements.
- 3Review policy details
Check waiting periods and pre-existing condition rules before signing up. Most companies have a 14 to 30-day waiting period before coverage starts.
- 4Get multiple quotes
Get quotes from at least three insurance providers. Prices vary by hundreds of dollars for the same annual limit, deductible and reimbursement rate. Check for discounts on insuring multiple pets or paying annually to reduce your premium.
- 5Check rates yearly
Review your policy each year at renewal. Your Pomeranian's needs may change, and new providers might offer better rates.
Pomeranian Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Pomeranians, while Lemonade offers the lowest monthly premiums. Compare both options with other providers to find coverage that matches your pet's health needs and your budget. Quality coverage ensures you can afford veterinary care when your Pomeranian needs it.
Learn more about the best pet insurance providers for your Pomeranian:
Pet Insurance for Pomeranian: FAQ
Our insurance experts answer your top questions about Pomeranian coverage.
What is the best pet insurance provider for Pomeranians?
AKC offers the best pet insurance for Pomeranians with comprehensive coverage and outstanding customer service. Despite higher-than-average premiums, AKC's extensive benefits and excellent coverage options provide strong value for Pomeranian owners.
Who offers the cheapest pet insurance for Pomeranians?
Lemonade provides the most affordable pet insurance for Pomeranians at $29 per month for standard coverage. Actual rates vary based on your location and pet's circumstances.
How much does Pomeranian insurance cost?
With a monthly premium of $85, Pomeranians rank as the 163rd most expensive breed to insure. Monthly rates vary by location, ranging from $58 to $111 depending on your state.
What are the most common accident and illness risks for Pomeranians?
Pomeranians commonly face luxating patella (kneecap dislocation causing lameness and pain), tracheal collapse (weakened windpipe leading to breathing difficulties) and dental disease (tooth decay and gum problems due to their small mouths). These health risks are largely connected to the breed's tiny size and genetic predisposition.
How We Found the Best and Cheapest Pomeranian Insurance
Pomeranian owners have unique insurance challenges due to the breed's predisposition to dental disease, tracheal collapse and knee problems. We evaluated pet insurance providers based on how well they cover these specific conditions while keeping premiums affordable for Pomeranians' 12 to 16-year lifespan.
Base Profile Used for Cost Analysis
All costs in this article reflect quotes for:
- 6-year-old Pomeranian
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
We gathered pricing across all 50 states, coverage levels and age ranges to calculate average costs. This approach reveals how premiums change as your Pomeranian ages and helps you plan for long-term coverage expenses.
How We Scored Providers
Affordability (50%): Premiums determine whether you can maintain coverage throughout your Pomeranian's life. We compared rates across all profiles and factor combinations, weighing this heavily since Pomeranians' long lifespans mean you'll pay premiums for 12 to 16 years. Available discounts factored in slightly, as most providers offer similar savings options.
Customer experience (30%): Claims processing speed matters when your Pomeranian needs emergency care for conditions like tracheal collapse. We analyzed sentiment from online reviews across multiple sources, calculating positive, neutral and negative feedback proportions. Higher positive sentiment earned higher scores.
Coverage (20%): Pomeranians need policies covering breed-specific conditions like luxating patella and dental disease. We reviewed contract details in every state, examining add-on options, inclusions, exclusions and restrictions. This score reflects how well each provider addresses common Pomeranian health issues, though coverage options vary by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.