Best pet insurance for a Pomeranian

Our picks for a Pomeranian, by priority

• Lowest estimated priceOdieAbout $34 a month in our model for a 2-year-old Pomeranian, 80% reimbursement, $250 deductible, national average.
• Shortest illness waiting periodLemonade, Embrace, Spot, Pets Best and Odie14 days before illness coverage starts, so a condition that shows up early is less likely to be excluded as pre-existing.
• Unlimited annual limitEmbrace, Spot, Pets Best, Trupanion and Healthy PawsAn unlimited annual limit option, so one expensive year never runs into a cap.
• For ongoing vet visitsSpot, Pets Best and FetchExam fees included. Dental disease means repeat visits, and each exam fee adds up.
• For one lifelong conditionTrupanionA per-condition deductible: paid once for a condition for the dog's life, instead of every policy year.
• Lowest deductible optionTrupanionDeductibles from $0, for owners who would rather pay a higher premium than a large share of each bill.

Picks come only from published plan facts and our price model, never from commissions. How we make money.

What to look for in a policy for a Pomeranian

• Hereditary coverage.? All 8 insurers we compare cover hereditary and congenital conditions, as long as they aren't pre-existing.
• An annual limit above $5,000.? That is the top of the range for collapsing trachea^[2], the most expensive condition linked to the breed.
• The orthopedic waiting period.? Pomeranians are prone to patellar luxation^[3]; some insurers wait around six months before covering joint problems.
• How the deductible works.? dental disease^[5] and heart disease^[7] need ongoing care, so exam fees and whether the deductible resets every year matter more than usual.
• Enroll before the first symptom.? Anything noted before coverage starts is excluded for good. The best age to insure.