Pet Insurance for Pomeranians
Pet Insurance Australia has been helping owners protect their Pomeranians for years, with cover for the breed-specific conditions this pint-sized favourite is prone to, from luxating patella and tracheal collapse to dental disease and heart conditions.
Home » Dog Insurance »
Meet The Pomeranian
Loyal, loving and gloriously feisty, the Pomeranian is a small dog with a very big personality — and absolutely no idea how little it is. They’re intelligent and easy to train, eager to learn tricks, and they want to be the centre of attention at all times.
Poms suit apartments and indoor life, needing no more than a walk around the block and a play in the yard. That coat needs a weekly groom though, and weekly toothbrushing too, since the breed is known for poor teeth. They don’t cope well left alone, and they feel the heat.
Over a 12 to 16 year lifespan, Pomeranians can be prone to luxating patella, tracheal collapse, dental disease and heart conditions. A reputable breeder who screens for genetic disease lowers the odds, and the right cover takes care of the rest.
Claim Up To
$35,0002
Per Year
Common Claims For Pomeranians
Known for their fox-like face, magnificent coat, and outsized personality, the Pomeranian, like all dog breeds, can be prone to specific health issues. This table shows just how expensive common conditions can be. With our pet insurance, you can claim back a portion of these costs and avoid large out-of-pocket expenses.
| COMMON CLAIMS | MAXIMUM CLAIM |
|---|---|
| Gastrointestinal Conditions | $3,590.80 |
| Diabetes | $6,360.00 |
| Heart Conditions | $1,573.75 |
| Neurological Condition | $3,249.50 |
| Patella Luxation | $4,239.35 |
| Skin Condition Allergy | $583.70 |
| Endocrine Disease | $2,761.25 |
| Cruciate Ligament | $4,527.31 |
| Arthritis | $848.95 |
Common Health Conditions
For Pomeranians
- Dental Issues: Like many smaller breeds, Pomeranians are prone to dental problems including periodontal disease and tooth decay. Regular brushing and dental chews help maintain a healthy mouth, with a professional clean recommended yearly.
- Luxating Patella: Also known as slipping kneecaps, this is a common issue in small breeds like the Pomeranian. It causes lameness and may require surgical correction.
- Tracheal Collapse: A condition where the cartilage rings of the trachea weaken, leading to respiratory problems. Using a harness instead of a collar reduces strain on the trachea, and treatment can involve medication to control coughing and inflammation.
- Hypoglycaemia: Pomeranian puppies are susceptible to low blood sugar, which makes regular, balanced meals crucial in the early months.
- Cryptorchidism: A condition where one or both testicles fail to descend into the scrotum, more common in Pomeranians than in many other breeds. Desexing is typically recommended.
- Patent Ductus Arteriosus (PDA): A congenital heart defect where a blood vessel fails to close after birth, which can lead to heart failure if left untreated. Surgery is typically required to correct it.
- Progressive Retinal Atrophy (PRA): A genetic condition causing progressive vision loss that can lead to blindness. Responsible breeding practices help reduce the risk in the breed.
- Skin Problems: Pomeranians can be prone to allergies and dry skin. Regular grooming and a balanced diet support skin health, with treatment involving medication, medicated shampoo and diet changes where needed.
- Obesity: Pomeranians gain weight quickly, which worsens joint problems and breathing difficulties. Monitoring their diet and keeping up regular exercise is essential.
Get your first 2 months free when you sign up1
Flexible Cover Options
For Your Pomeranian
Finding the right pet insurance for your Pomeranian doesn’t need to be confusing. It should be as straightforward as giving them a belly rub! With Pet Insurance Australia, one plan does it all, and you decide how it works.
| Option | What It Means | Your Choices | Why |
|---|---|---|---|
| Annual benefit limit2 | This is the maximum amount you can claim for per policy period, subject to any applicable excess, for eligible accidental injuries and illnesses, as well as emergency boarding. Booster Care and Routine Care (non insurance benefit) are subject to their own limits. | $15,000; $25,000 and $35,000 | Lower for budget-conscious premiums; higher if you want more protection. |
| Benefit Percentage14 (Reimbursement) | The percentage of the eligible vet bill we will cover before the applicable annual excess is applied. Where applicable, it is also subject to the annual benefit limit or Booster Care limit. | 70%, 80%, 90% | Higher % can allow you to claim more back on your eligible vet bills. |
| Annual Excess4 | The amount you may contribute to your claim. The annual excess applies to each eligible claim in the policy period until fully paid. | $0, $100, $300, $600* *$600 annual excess not available with 70% benefit percentage | Choose a higher annual excess to help lower your premium. Just remember you may pay more out of pocket at claim time. |
| Routine care add-on7 | Optional non-insurance benefit to cover for everyday care such as vaccinations, microchipping, flea/tick | An optional benefit which you can add to your policy | Add for additional vet-cost cover. |
| Specified dental conditions add-on (Booster Care13) | Optional cover for specified dental conditions, subject to the Booster Care limit of $2500 | An optional benefit which you can add to your policy | Add for extra vet-cost protection; Great for breeds prone to dental issues. |
| Specialised therapies add-on (Booster Care13) | Optional cover for specialised therapies, subject to the Booster Care limit of $2500 | Add to your policy or skip | Add to boost vet-cost protection; skip to lower premium |
| Waiting periods8 | The time from your policy start date when your pet isn’t covered for certain conditions or benefits in the first year you first obtained cover for them. If a condition exists or occurs during the waiting period, it will be considered a pre-existing condition and may be excluded from cover. | Accidental injury – 2days Illness – 30days Cruciate Ligament Conditions – 6 months Specified dental conditions (Booster Care) – 6 months Behavioural conditions (Booster Care)– 30days | Starting early helps ensure your pet is covered sooner rather than later |
| Multi-pet discount12 | A percentage saving when you insure more than one pet. | Get 5% off for each additional pet you insure after the first, up to 15% max. Example: 2nd pet: 5% | Helpful for multi-pet households. |
| Choice of vet | Use any licensed vet in Australia, other than yourself. | Included on all policies | Continue care with your preferred vet |
Want To Learn More? See Everything Our Dog Insurance Covers
Flexible Cover Options For Your Pomeranian
Finding the right pet insurance for your Pomeranian doesn’t need to be confusing. It should feel as straightforward as giving them a belly rub! With Pet Insurance Australia, one plan does it all, and you decide how it works.
Annual Benefit Limit2
What It Means
This is the maximum amount you can claim for per policy period, subject to any applicable excess, for eligible accidental injuries and illnesses, as well as emergency boarding.
Booster Care and Routine Care (non insurance benefit) are subject to their own limits.
Your Choices
$15,000; $25,000 and $35,000
Why
Lower for budget-conscious premiums; higher if you want more protection.
Benefit Percentage14 (Reimbursement)
What It Means
The percentage of the eligible vet bill we will cover before the applicable annual excess is applied.
Where applicable, it is also subject to the annual benefit limit or Booster Care limit.
Your Choices
70%, 80%, 90%
Why
Higher % can allow you to claim more back on your eligible vet bills.
Annual Excess4
What It Means
The amount you may contribute to your claim. The annual excess applies to each eligible claim in the policy period until fully paid.
Your Choices
$0, $100, $300, $600*
*$600 annual excess not available with 70% benefit percentage
Why
Choose a higher annual excess to help lower your premium. Just remember you may pay more out of pocket at claim time.
Routine Care Add-On7
What It Means
Optional non-insurance benefit to cover for everyday care such as vaccinations, microchipping, flea/tick
Your Choices
An optional benefit which you can add to your policy
Why
Add for additional vet-cost cover.
Specified Dental Conditions Add-On (Booster Care13)
What It Means
Optional cover for specified dental conditions, subject to the Booster Care limit of $2500
Your Choices
An optional benefit which you can add to your policy
Why
Add for extra vet-cost protection; Great for breeds prone to dental issues.
Specialised Therapies Add-On Add-On (Booster Care13)
What It Means
Optional cover for specialised therapies, subject to the Booster Care limit of $2500
Your Choices
Add to your policy or skip
Why
Add to boost vet-cost protection; skip to lower premium
Waiting Periods
What It Means
The time from your policy start date when your pet isn’t covered for certain conditions or benefits in the first year you first obtained cover for them.
If a condition exists or occurs during the waiting period, it will be considered a pre-existing condition and may be excluded from cover.
Your Choices
Accidental injury – 2days
Illness – 30days
Cruciate Ligament Conditions – 6 months
Specified dental conditions (Booster Care) – 6 months
Behavioural conditions (Booster Care)– 30days
Why
Starting early helps ensure your pet is covered sooner rather than later
Multi-Pet Discount12
What It Means
A percentage saving when you insure more than one pet.
Your Choices
Get 5% off for each additional pet you insure after the first, up to 15% max.*
Example:
2nd pet: 5%
Why
Helpful for multi-pet households.
Choice Of Vet
What It Means
Use any licensed vet in Australia, other than yourself.
Your Choices
Continue care with your preferred vet
Why
Helpful for multi-pet households.
Caring For A Great Dane
Pomeranians are intelligent, respond well to training and are eager to learn tricks, so the work is rarely the hard part. Early training and socialisation are essential — expose puppies to other pets, dogs, children and a wide variety of sights and sounds while they’re young. Puppy preschool is a good start, followed by group obedience classes once they’re fully vaccinated. Socialisation also keeps them out of trouble at the park, since a Pom who considers the area its territory will happily chase a dog ten times its size.
Grooming is non-negotiable with this breed — if you don’t have the time or budget for it, another breed will suit you better. A weekly session with a slicker brush and a metal comb does the job, along with trimming around the ears and feet, and they shed their undercoat about once a year, sometimes more depending on sex and whether they’re desexed. Keep nails trimmed, since small dogs jump up when excited, and brush their teeth weekly, because the breed is known for poor teeth. Exercise is the easy part: a daily walk around the block and a play in the yard is usually plenty, which still matters for their health, their boredom and their manners.
Poms suit apartments and indoor life beautifully, provided they get enough exercise and time outdoors, and they’re companion dogs that generally do well with other animals and people. They adapt to a busy family home, though young children need supervision and shouldn’t carry them — sitting down for cuddles is safer for everyone. They’re sensitive to heat, so shade and shelter are essential to prevent overheating and heatstroke. When choosing a puppy, buy only from a reputable breeder who screens for genetic disease, ask about hereditary problems, request to meet both parents, and contact the local breed club.
Fast Facts
Average Height
13 – 28cm
Average Weight
2 – 3.5kg
Temperament
Bold, affectionate, energetic, confident, cheeky
Lifespan
12 – 16 years
Known Genetic Issues
Cancer, Myelopathy, Hypothyroidism, Patella Luxation, Alopecia
Country of Origin
Germany/Poland (Pomerania region)
Exercise Requirements
Pom Poms have low to moderate exercise needs, including daily play, walks, and enrichment toys.
Coat
Pomeranians have a thick double coat with a soft undercoat and long outer fluff that needs regular grooming.
Coat Colours
Orange, cream, white, black, blue
Specific Care Requirements
Pomeranians need regular brushing, professional grooming, dental care, and vet checks for joint, coat and other conditions.
Get Started with Pet Insurance Australia
Pet Insurance Australia is here to back your best mate with flexible options and fast claims. Get a quote today and explore pet insurance for Pomeranians in Australia—made to support your dog’s health every step of the way.
