Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
📍 82%
Pomeranian pet insurance
Compare Pomeranian insurance.
Quotes from £3.96
Complete a purchase and earn a £10 reward with super save club logo
Do I need Pomeranian pet insurance?
Pet insurance is not a legal requirement in the UK. But it can financially protects you if your Pomeranian is hurt or involved in an incident.
Pomeranian insurance can cover costs in the following situations:
Your Pomeranian is ill, injured, or needs to be put down
Your Pomeranian is lost or stolen
Your Pomeranian harms someone or their property (including their pets)
How much is Pomeranian insurance?
Cheapest monthly price
£3
.96^
Average monthly price
£10
.59^
Are Pomeranians expensive to insure?
Despite the potential for health issues and the breed's predisposition to certain conditions, Pomeranians are actually relative inexpensive to insure compared to other dog breeds.
The average cost of dog insurance is £13.13
What impacts the cost of pet insurance?
Some factors that change the price you pay for pet insurance are:
The type of cover you select
Your pet's age
Your pet's breed
If your pet has any history of aggression
If your pet has any pre-existing medical conditions
Your location
Your claim history
On average, owners of aggressive pets pay 8.50%
How can I get cheaper pet insurance?
Some ways to reduce the price of your pet insurance premiums include:
Compare quotes
Select a multi-pet policy
Select an accident-only policy
Maintain your pet's health
Increase your excess
Pay annually
Spay or neuter your pet
Spaying or neutering your pets will reduce your insurance costs by an average of 0.56%
You can find much bigger savings of up to 44.23%
How much is the average pet insurance claim?
£685^
According to the Association of British Insurers (ABI)
What type of Pomeranian insurance should I get?
-
^ of customers choose lifetime pet insurance -
Maximum benefit
Sets limits on how much you can claim for any given illness or injury.
-
Time limited cover
Covers your pet for a specific period of time (usually 12 months).
-
Accident only cover
The cheapest option, but it only covers accidents, not illnesses.
📍 Accident only policies are 44.23%
^ cheaper on average
What is the most common pet insurance claim for Pomeranians?
These are the 5 most common claims made on Pomeranian pet insurance, according to The Insurance Emporium.
Claim type | Claim amount |
|---|---|
Myxomatous Mitral Valve Degeneration | £297^ |
Luxating Patella (right) | £181^ |
Tracheal issues | £2,105^ |
Unknown respiratory issues | £975^ |
Urolithiasis | £1,311^ |
Will my pet insurance cover all these illnesses and accidents?
Accident-only policies protect against injuries like a fractured bone but won’t cover illnesses such as urinary system issues. So if your Pomeranian developed a urolithiasis, you’d be paying an average of £1,311
Time-limited and maximum benefit policies do cover illnesses, though only for a set period or capped amount. Once that runs out, chronic and recurring conditions like arthritis are no longer covered.
Lifetime policies reset the vet fees allowance each year, so you can keep claiming for ongoing conditions. The downside is premiums usually increase each year, and switching insurer means losing cover for existing conditions.
What does Pomeranian insurance cover?
-
Typically covered
✔ Vet bills e.g. medicines, treatments and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Dental treatment for accidents, like breaking a tooth
✔ Alternative therapies e.g. hydrotherapy or acupuncture (when recommended by a vet)
✔ Euthanasia (putting pets down)
✔ Lost and stolen pets e.g. advertising, rewards, refund of purchase price
✔ Third party liability cover e.g. your dog harms someone or their property
✔ Emergency boarding fees e.g. if you are unexpectedly hospitalised
-
Not typically covered
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Training and obedience classes
✖ Banned breeds or dog breeds classed as dangerous
✖ Unvaccinated or unmicrochipped animals
What if my Pomeranian has a pre-existing condition?
You can cover most pre-existing conditions if you take out specialist pet insurance. These policies will almost certainly be pricier than standard policies.
Can I get pet insurance if my Pomeranian is aggressive?
Yes, pet insurers will usually still cover your Pomeranian if they sometimes bite or otherwise act aggressively. But you will probably have to pay higher insurance premiums.
What health issues do Pomeranians have?
Boxer dogs are prone to getting the following medical issues:
Collapsed trachea
Patella luxation
Hypoglycaemia
Reverse sneezing
Cataracts
Distichiasis
Black skin disease
Are Pomeranians an aggressive dog breed?
No, Pomeranians are not considered an aggressive dog breed. Only 0.5%
Our expert says…
While opting for a cheaper pet insurance policy might save you a few pounds a month, it's a good idea to consider what the policy covers and the actual cost of veterinary care if your pet gets sick.
According to the ABI, the average pet insurance claim in the UK was £685
^ in 2024. That's significantly higher than the average annual cost of cover for a dog (£163.68^ ) or cat (£93.03^ ).And while that’s the average, some conditions can be far more expensive. For example, treatment for elbow dysplasia, a common condition in large dog breeds, can cost over £50,000, according to the ABI.
Lauren Chong Pet Insurance Expert
Frequently Asked Questions
Do Pomeranians make good pets?
Yes, Pomeranians can make excellent pets, especially for those seeking a loyal, intelligent, and affectionate companion. However, they do require specific care and attention, including early socialisation, training, and awareness of their small size.
What is the life expectancy of a Pomeranian dog?
The average lifespan of a Pomeranian dog typically ranges from 12 to 16 years. But this can vary depending on factors such as genetics, overall health, diet, exercise, and veterinary care.
Do I need to get my Pomeranian microchipped?
Yes. In the UK it is a legal requirement that all dogs are microchipped and registered before they are eight weeks old.
If you do not microchip your dog you can be fined up to £500.
Are Pomeranians high maintenance dogs?
Yes, Pomeranians are considered a relatively high-maintenance breed, primarily due to their luxurious double coat and specific grooming needs.
They require regular grooming, including daily brushing to prevent matting and shedding, and professional grooming every few weeks.
Compare pet insurance quotes from the UK's leading insurers
We compare quotes from 39
What information do I need to get a pet insurance quote?
-
Pet’s age
-
Pet's breed or size
-
Pet's cost
-
Pet's behavioural history
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Pet's medical history
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Pet's health*
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Reviewed on 29 Apr 2026
Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the Insurance Emporium's claims data, July-December 2025
Based on the Insurance Emporium's claims data, July-December 2025
Accurate as of 22 April 2026.
Based on The Insurance Emporium's claims data, January to December 2025
Based on The Insurance Emporium's claims data, January to December 2025
Based on the volume of dog insurance quotes created on MoneySuperMarket between April 2024 and March 2026.
Based on the 51 percentile of monthly premiums our customers were quoted less than £13.13 per month for dog insurance based on quotes created on MoneySuperMarket in the month of March 2026 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
Based on the 51st percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote.
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
Percentage of sold polices where the user searched for a covertype of LIFETIME. Using Moneysupermarket policies sold between January 2026 and March 2026.
Source: Association of British Insurers (ABI), 2025, 'Insurance payouts for ‘pawly’ pets top £1 billion for third year in a row' https://www.abi.org.uk/news/news-articles/2025/5/insurance-payouts-for-pawly-pets-top-1-billion-for-third-year-in-a-row/
Based on the median annual premium our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote and more less than 1 year old.
Based on the median annual premium our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote and more less than 1 year old.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Based on The Insurance Emporium's claims data, July-December 2025
Based on The Insurance Emporium's claims data, July-December 2025
Based on The Insurance Emporium's claims data, July-December 2025
Based on The Insurance Emporium's claims data, July-December 2025
Based on The Insurance Emporium's claims data, July-December 2025
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
