How much is pet insurance for a Pomeranian?

Every published Pomeranian figure

Each source measures something different, so the figures sit side by side and are never averaged together. Of the breed tables tracked here, only Pawlicy Advisor's includes the Pomeranian: Forbes Advisor, Fetch and Insurify publish shorter breed lists that leave it out.

Where the Pomeranian sits among 82 dog breeds

Ranked by Pawlicy's median, the Pomeranian is the 56th most expensive of the 82 dog breeds and types Pawlicy lists. Its median is 15% less than the middle dog breed on that list ($59.27) and 10% more than Pawlicy's mixed-breed dog ($45.70).

The spread inside the breed matters as much as the median. A quarter of Pomeranian quotes came in under $42.99 and a quarter over $70.89; the middle half spans 55% of the median. The range stretches much further above the median ($20) than below it ($7), so the dearest quotes, typically older pets or richer coverage, pull well away from the typical one. Pawlicy does not say which ages, deductibles or limits sit at each end.

Health problems that drive Pomeranian claims

The American College of Veterinary Surgeons names the Pomeranian among the breeds predisposed to 1 condition covered here:

• Patellar luxation: Trupanion lists an average claim of $4,012, about 79.6 months of the Pomeranian's figure above.

Hereditary conditions matter for buying decisions because the NAIC Pet Insurance Model Act (Section 4A) requires insurers to disclose any exclusion for pre-existing, hereditary, congenital or chronic conditions before a policy is sold. The Pomeranian health problems page sets out each condition, its treatments and the costs.

Premiums against a real vet bill

Insurers' own claim data gives a sense of scale. For patellar luxation, a condition ACVS links to the Pomeranian, Trupanion publishes an average claim of $4,012. At $50.43 a month that bill equals 79.6 months of premiums.

Worked through a policy with a $250 deductible and 80% reimbursement (the terms Forbes Advisor priced): the policy pays ($4,012 − $250) × 80% = $3,010, leaving $1,002 for the owner. Add a year of premiums ($605) and the insured year costs $1,608 against $4,012 without cover, $2,404 less. *The break-even bill, where both cost the same, is $250 + $605 ÷ 80% = $1,006 in a policy year; a year with smaller bills costs more insured. The calculator reruns this with other terms, and is pet insurance worth it? shows the method.

Age moves the price more than breed

These all-breed figures cannot be applied to the Pomeranian figure above, but they show the direction. Forbes Advisor's average for a dog at a $5,000 limit runs from $43 at 3 months to $74 at 7 years (72% more). Insurify's medians climb from $46 for an adult dog to $116 for a senior, 152% more. NAPHIA's average dog premium rose 34% from 2021 to 2025. See pet insurance cost by age.

Similar dog premiums

• Cairn Terrier: $50.24 a month (Pawlicy Advisor)
• German Shorthaired Pointer: $50.62 a month (Pawlicy Advisor)
• Australian Shepherd: $50.92 a month (Pawlicy Advisor)
• Boston Terrier: $49.62 a month (Pawlicy Advisor)

Premiums also vary by state: Pawlicy's all-pet median runs from Hawaii ($64.01) through Oklahoma ($43.97) to Alaska ($28.02). No source publishes breed figures by state, so this site does not combine the two. Browse every state or every breed.

Sources: Pawlicy Advisor (Median monthly premium of real Pawlicy customer quotes across the insurers it sells; the range is the 25th to 75th percentile. The page labels the median as the average.), NAPHIA State of the Industry 2026, Trupanion claims examples, NAIC Pet Insurance Model Act. Last checked October 20, 2026. Method on the methodology page.