Pet Insurance for Pomeranian

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

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, updated on October 3rd, 2023       

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Price range

$2,000 –$5,000


15cm - 20cm


1.3kg - 3.5kg


Active, intelligent, extroverted

Coat length

Long, thick, fluffy

Exercise needs




Life expectancy

12 - 16 years



The Pomeranian is a small, fluffy spitz-type dog that originated in the Pomeran region of what is now Poland and Germany. It is thought they are related to the German Spitz dog and have been known in Europe as far back as the 1700s. Often called ‘Pom Pom’ dogs, they are known for their long, fluffy coats, fox-like faces, and playful and affectionate personalities. They typically stand between 15cm and 18cm tall at the shoulder and weigh between 1.4 and 3.2 kg. They were very fashionable companion dogs in the late 1800s and early 1900s, with Queen Victoria owning several Pomeranians, making them a popular fashion accessory in royal circles. The breed has retained its popularity for many decades and is consistently on the list of 50 of the most popular breeds in the world. 

Pomeranians have a double coat, with a soft, dense undercoat and a long, harsh outer coat. They require regular brushing to keep their coats in good condition. They can be any colour, but the most common colours are combinations of red, orange, cream, and black. They are intelligent dogs, eager to please their owners, which makes them easy to train. Pomeranians can be trained for a variety of tasks, including support dogs, obedience, agility, and tricks. They are affectionate and loyal but can be stubborn and opinionated.  

Common diseases and conditions of Pomeranians

  • Dental disease: Pomeranians are known to suffer from tartar build-up which can lead to infections of the gums and roots of the teeth.
  • Luxating Patella: Luxating patella is a condition where the kneecap (patella) dislocates from its normal position. It can cause lameness and discomfort. 
  • Tracheal Collapse: This is caused by a weakening of the tracheal rings in the windpipe, causing difficulty breathing and a distinctive cough.

Breed-specific issues:

The small size of Pomeranians makes them prone to injury, so they should be handled with care, particularly by boisterous children. Pomeranians can suffer from ‘small dog syndrome’ which can make them snappy and aggressive towards other dogs when they feel the need to prove how tough they are. They bond strongly to one person in particular and can suffer separation anxiety if kept apart from their owner.  

How much does pet insurance cost for a Pomeranian?

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 Pomeranians

Do Pomeranians bark a lot?

Yes, Pomeranians are known for being relatively vocal dogs, and they may bark continuously when they are excited, bored, or feel threatened. However, with proper training from an early age, most Pomeranians can be taught to bark less often. However, they are very yappy dogs by nature.  

How do Pomeranians do with small children?

This breed can be good with older children, although it is important to supervise all interactions when children interact with a Pomeranian. They can be too energetic for young children, and they may also nip or bite if they are feeling overwhelmed. It is important to teach children how to interact with these small, sensitive dogs respectfully, and never leave a child unattended with a dog. 

How much exercise do Pomeranians need?

Pomeranians are active dogs and do need regular exercise, but a daily walk or playtime session of at least 20-30 minutes is typically sufficient for most Pomeranians. You may also want to consider enrolling your Pomeranian in an agility class or other dog sport to give them mental stimulation. 

How do Pomeranians get on with other pets?

Pomeranians can get along well with other pets, but it is important to socialise them from a young age as they can be defensive and jealous of other pets. They may be territorial of their home and backyard, so it is important to introduce them to new pets in a neutral environment. Pomeranians can also have a high prey drive, so it is important to supervise their interactions with other animals, and never leave them alone with smaller pets.  

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