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: November 10, 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
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Pomeranian Pet Insurance by State
AKC leads Pomeranian insurance coverage in 50 states nationwide. Rainwalk ranks highest in four states, including Illinois, Michigan and Utah.
| Alabama | AKC | 4.45 |
| Alaska | AKC | 4.45 |
| Arizona | AKC | 4.45 |
| Arkansas | AKC | 4.50 |
| California | AKC | 4.50 |
| Colorado | AKC | 4.45 |
| Connecticut | AKC | 4.45 |
| Delaware | AKC | 4.45 |
| Florida | AKC | 4.50 |
| Georgia | AKC | 4.45 |
| Hawaii | AKC | 4.45 |
| Idaho | AKC | 4.45 |
| Illinois | AKC | 4.45 |
| Illinois | Rainwalk | 4.45 |
| Indiana | AKC | 4.50 |
| Iowa | AKC | 4.45 |
| Kansas | AKC | 4.45 |
| Kentucky | AKC | 4.50 |
| Louisiana | AKC | 4.45 |
| Maine | AKC | 4.45 |
| Maryland | AKC | 4.45 |
| Massachusetts | AKC | 4.45 |
| Michigan | Rainwalk | 4.40 |
| Michigan | AKC | 4.40 |
| Minnesota | AKC | 4.45 |
| Mississippi | AKC | 4.50 |
| Missouri | AKC | 4.45 |
| Montana | AKC | 4.50 |
| Nebraska | AKC | 4.45 |
| Nevada | AKC | 4.45 |
| New Hampshire | AKC | 4.45 |
| New Jersey | AKC | 4.45 |
| New Mexico | AKC | 4.50 |
| New York | AKC | 4.50 |
| North Carolina | AKC | 4.45 |
| North Dakota | AKC | 4.50 |
| Ohio | AKC | 4.45 |
| Oklahoma | AKC | 4.55 |
| Oregon | AKC | 4.50 |
| Pennsylvania | AKC | 4.50 |
| Rhode Island | AKC | 4.50 |
| South Carolina | AKC | 4.50 |
| South Dakota | AKC | 4.50 |
| Tennessee | AKC | 4.45 |
| Texas | AKC | 4.50 |
| Utah | AKC | 4.40 |
| Utah | Rainwalk | 4.40 |
| Vermont | AKC | 4.45 |
| Virginia | AKC | 4.40 |
| Virginia | Rainwalk | 4.40 |
| Washington | AKC | 4.55 |
| West Virginia | AKC | 4.50 |
| Wisconsin | AKC | 4.40 |
| Wyoming | AKC | 4.50 |
*Rates are based on 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 specific 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 based on 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 specific 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
$100,000Most Unique 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 based on 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 specific 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. Several breed-specific health factors drive these higher costs, but there are practical ways to manage your coverage expenses.
Health Predispositions
Potential Vet Costs: $2,500 to $12,000
Pomeranians face several breed-specific health challenges that insurers consider high-risk, making it essential to understand your coverage options. Patellar luxation often requires surgical correction, which can be costly. These small dogs are also prone to tracheal collapse, dental disease, and heart problems like patent ductus arteriosus. Their genetic predisposition to these conditions typically 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 typically live 12 to 16 years, which is 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 widespread 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 can significantly reduce your risk of facing 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 specific health history and your budget limits. A conversation with your vet can help identify which health risks matter most for your particular Pom.
INSURANCE RISK PREVENTION
Keep your Pomeranian's 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 - here's how to save:
- 1Understand Your Coverage Options
Start by determining 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
Before signing up, check waiting periods and pre-existing condition rules. Most companies have a 14- to 30-day waiting period before coverage starts.
- 4Get Multiple Price Quotes
Request quotes from at least three insurance providers. Prices vary by hundreds of dollars for the same annual limit, deductible and reimbursement rate. Check if there are discounts for insuring multiple pets or paying annually to reduce your premium.
- 5Check Rates Yearly
Review your policy each year at renewal time. 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. We recommend comparing both options with other providers to find coverage that matches your pet's health needs and budget. The right policy brings peace of mind and ensures quality care when health issues arise.
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 overall?
AKC offers the best pet insurance for Pomeranians, delivering comprehensive coverage and outstanding customer service. Despite higher-than-average premiums, their extensive benefits and excellent coverage options provide strong value for Pomeranian owners.
Who offers the cheapest pet insurance for Pomeranian?
Lemonade provides the most affordable pet insurance for Pomeranians at $29 per month for standard coverage. Actual rates will vary based on your location and pet's specific 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 can vary significantly by location, ranging from $58 to $111 depending on your state.
What are the most common accident and illness risks for Pomeranian?
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
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Pomeranians. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Pomeranians.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Pomeranian
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.