Pomeranian Insurance
Pomeranian insurance for a fluffy little dog with a big personality. Help with vet bills for new illnesses and injuries, whatever their age.
Regulated by the Financial Conduct Authority.
- Rated 'Excellent' on Trustpilot from over 15,000 reviews
- Free 24/7 vet calls, expert advice whenever you're worried
- Pet insurance for Pomeranians, whatever their age
Rated 'Excellent' on Trustpilot
From over 15,000 independent reviews.
Perfect Pet Insurance
for your Pomeranian
Your Pomeranian is part of the family, and when something’s wrong you want them seen to quickly. We’re here to make your insurance choices simple, whatever your budget. Choose from a range of policies that come with vet-backed tools to support and guide you through the decisions that count. Pomeranian insurance can help you with the veterinary costs for these common health conditions:
Regulated by the Financial Conduct Authority.
Patellar luxation
Poms often have kneecaps that slip out of place, causing a skip or hop when they run. More serious cases can need surgery.
Tracheal collapse
A weak windpipe causes a honking cough, especially when they’re excited or pulling on the lead. Many are managed with medication.
Heart conditions
Pomeranians can develop heart problems such as mitral valve disease as they age, often first picked up as a murmur.
Hypothyroidism
An underactive thyroid can lead to weight gain, low energy and coat changes, and is usually managed with daily tablets.
How much does Pomeranian insurance cost?
Pomeranian insurance is usually fairly affordable, it could be as low as £12 a month, though it can climb to £45 and well beyond. Small dogs are generally cheaper to treat, but Poms can need specialist help for knee, windpipe and heart problems. Our multi-pet insurance page is worth a look if you have more than one. Age, postcode and cover level all move the price, and premiums usually rise as your dog gets older. These are broad market figures rather than our prices, so for the real figure, get your pet insurance quote today, it takes about 2 minutes.
Choose the Pomeranian insurance policy that suits your budget
Explore our range of policies and pick the level of cover that fits your dog.
Lifetime Cover
With our Elite range, you can claim year after year for each illness or accident your pet develops, providing you renew annually with no break in cover.
Maximum Benefit
The Vital range protects your pet against injuries and illness up to a pre-set limit with no time restriction, providing your policy is active.
Time Limited
Choose from the Essential range to cover your pet for injuries and illness for up to 12 months from when each condition was first noticed or treatment started, whichever comes first.
Accident Only
Basic cover that insures your pet against injuries and complications arising from accidents only.
Quote in 2 minutes. No card details needed.
A Pomeranian insurance service delivered by veterinary experts
With your pet policy, you’ll also get trusted tools and expert help that make health worries easier to handle and everyday care more affordable.
-
Use our online dog symptom checker
Quickly understand what’s going on and find out exactly what to do next.
-
Access our 24/7 vet assist service
Get vet advice anytime through our free telephone and video triage service.
-
Need to visit a vet?
Check what’s covered in each policy before purchasing. Details will be emailed to you and available in your online account.
More memories, less worry
Join thousands of UK pet owners who trust us to be there for the long haul.
A quote takes about 2 minutes.
Regulated by the Financial Conduct Authority.
Pomeranian Insurance
FAQs
Common questions about Pomeranian insurance cover.
Find out more about Perfect Pet insurance policies with these frequently asked questions.
Perfect Pet dog insurance for Pomeranians comes in four levels: Elite lifetime cover, Vital maximum benefit, Essential time limited cover and Accident Only. All four cover vet fees for new accidental injuries, and all except Accident Only cover new illnesses too, subject to the policy terms and waiting periods, 5 days for accidents and 14 for illness. Elite lifetime cover includes up to £10,000 of vet fees per policy year for all conditions combined, and the limit refreshes each year you renew, so the ongoing things Pomeranians can be prone to, like knee problems or a heart murmur, can keep being treated year after year, provided they first showed signs after your cover started. Vital covers each condition up to a fixed limit with no time limit, and Essential covers each condition for up to 12 months from when it was first noticed or treatment started, whichever comes first. Every level includes complementary treatments like physiotherapy when your vet recommends them, and all except Accident Only add third party liability and free 24/7 Vet Assist calls. The usual exclusions apply with any insurer: pre-existing conditions, routine care like vaccinations, and dental illness (dental cover is for accidents only). With excesses from £90 per condition, per policy year, and for dogs aged eight or over a 15% co-payment applies on top. The policy wording has the exact limits and terms.
Pomeranians are bright, bold and affectionate, little dogs that bring a lot of fun to any home. Their tiny frame does come with some weak spots, mostly the knees, windpipe and heart.
Whether insurance beats a savings pot is your call and depends on your own circumstances. Poms often live well into their teens, so plenty of owners like having cover for the long run, but there’s no pressure either way, it has to fit your situation.
Age, mostly. Young Poms are usually cheap to cover, and heart and joint problems become more likely as they get older. Add your postcode, vet rates, the cover level you pick, and whether anything’s already on their record, that last one matters most.
Our policies cover new illnesses and injuries that first appear after your policy starts, subject to the policy terms. Timing is what counts, not the label on the condition: anything showing signs before the policy started, or during the waiting periods, is pre-existing and sits outside cover, with any insurer.
Pomeranians can inherit knee and heart problems, which is why many owners start cover while their dog is young and clear. The policy wording sets out exactly what’s included, worth a read before you buy.
The 15% multi-pet discount helps if you’ve a full house, and every policy includes our Perks & Offers, with average prescription savings of 57% through Hyperdrug, useful when heart or thyroid medication become a regular thing.
Walking them on a harness and keeping them at a healthy weight takes pressure off their windpipe and joints, and the free 24/7 Vet Assist line lets you ask a vet nurse first, no appointment, no claim.