Pet Insurance for Japanese Spitzes

Find out all about Japanese Spitzes and their common health conditions, and then compare pet insurance options from some of Australia’s leading insurers.

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, updated on September 25th, 2023       

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Price range

$1,500 –$5,000


30cm - 38cm


5kg - 9.2kg


Lively, playful, affectionate

Coat length

Long, thick, double

Exercise needs




Life expectancy

10 - 16 years

Japanese Spitz


The Japanese Spitz is a charming and friendly breed originating from Japan, although there are many similar Spitz-type breeds that have been known in Europe for hundreds of years. However, the modern Japanese Spitz were bred in Japan from the 1920s to the 1950s, and were exported to Sweden, then England. The breed arrived in Australia in 1979. They are closely related to their cousins, the Pomeranian and the Samoyed.  

They are small to medium-sized dogs that are recognisable by their dense, fluffy white double coat that has an unusual quality – dirt does not stick to it, so they are easy to brush and keep clean. For this reason, they earned the nickname ‘the teflon dog.’ In addition, they have a habit of licking themselves clean like a cat to keep their coat sparkling white.  

Japanese Spitz dogs are known for their affectionate and playful nature. They are highly adaptable and make excellent companions for individuals or families. They are loyal companions, known for their intelligence, and can easily be trained. 

Common diseases and conditions of Japanese Spitzes

  • Luxating Patella: Luxating patella is a condition where the kneecap (patella) dislocates from its normal position. It can cause lameness and discomfort. 
  • Runny eyes: The Japanese Spitz is known to suffer from runny eyes, which is thought to be due to tear ducts that are too small. 

Breed-specific issues:

Their friendly demeanour makes them highly suitable for families with young children. They are known to be very loyal and protective towards children, and make excellent family pets. However, they do have a tendency to bark frequently if left alone or bored. 

How much does pet insurance cost for a Japanese Spitz?

Most Australians can expect to pay between $20 and $60 a month for pet insurance. There are many factors that can influence the cost of pet insurance for your dog, which is why it's important to compare pet insurance policies. Factors affecting the cost of your insurance include: 

  • Age: The older your dog is, the more pet insurance is likely to cost. This is because senior dogs tend to have more physical health conditions and illnesses due to age, and so present a higher insurance risk.    
  • Type of insurance you choose:  There are three basic types of pet insurance available in Australia; accident-only, accident and illness, and comprehensive insurance. An accident-only policy is the cheapest type of insurance available, with comprehensive coverage costing the most.  
  • The policy annual limit: Each pet insurance policy has an annual limit, which is the maximum amount that will be paid out on the policy in one financial year. Annual limits range from around $10,000 up to $25,000 or more.   
  • Sub-limits: In addition to an annual limit, there may also be sub-limits that apply to the policy, for example, a $300 sub-limit for consultation fees, or a $5,000 limit for cruciate ligament conditions.   
  • Benefit percentage: Pet insurance does not cover 100% of the cost of your vet bill. Instead, it may pay a percentage of the total bill. This can range from 50% for cheaper policies, up to 90% for the best policies available.   
  • Excess amount: This is the amount you’ll need to pay out-of-pocket each time you make a claim on your policy. Some pet insurance policies do not come with an excess amount, whilst others do.  
  • Any add-ons you choose: It’s possible to add on more cover options to a basic policy, such as emergency boarding fees, routine care and dental care. These add-ons extend the scope of your pet insurance, but do increase the overall cost of the policy.  
  • Discounts: some insurers offer discounts of between 5% and 15% if you have multiple pets insured together, if you pay your premium annually, or if you bundle your pet insurance with other forms of insurance with the same company.
  • Gap-only insurance options: Some insurance companies offer a gap-only insurance option, which means when you go to the vet you'll only be required to pay the gap amount, not the cost of the whole bill. This is similar to the Medicare system of health insurance for humans in Australia, where gap payments can be made at HICAPS terminals at the time of treatment. 

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about Japanese Spitzes

Do Japanese Spitz bark a lot?

Yes, they can be vocal dogs. Japanese Spitz dogs can be prone to barking when they perceive unfamiliar sounds, people, or situations. They often act as alert watchdogs, which can lead to occasional barking. However, early socialisation and consistent training can help reduce their excessive barking tendencies. It's essential to establish boundaries and reinforce quiet behaviour when necessary. 

Do Japanese Spitz need a lot of exercise?

Japanese Spitz dogs have moderate exercise requirements. They benefit from daily walks, play sessions, and mental stimulation activities. While they are not as high-energy as some other breeds, regular exercise is essential to keep them physically and mentally healthy. Interactive toys and puzzles can provide mental stimulation, preventing boredom and potential behavioural issues. 

Do Japanese Spitz make good lap dogs?

Japanese Spitz dogs are not typically considered lap dogs due to their active and independent nature. They enjoy being close to their owners and can be affectionate but may not remain still for extended periods on your lap. However, they are known for forming strong bonds with their families and enjoy spending time with them. 

How much grooming does a Japanese Spitz require?

Japanese Spitz dogs have a thick double coat that requires twice weekly brushing, or more often during shedding season. This will help reduce matting of the undercoat. Monthly baths are also recommended to maintain their coat's cleanliness. Additionally, regular dental care, nail trimming, and ear cleaning should be part of their grooming routine to ensure their overall health and hygiene. 

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Whether you're buying for your dog or cat and whether they're big or small, you can compare pet insurance policies tailored to your furry friend's needs from Savvy's panel of trusted Australian insurers. Grab a free, no-obligation quote today!