Best Pet Insurance For Pomeranians In 2025

Check Whether Your Pet Is Eligible

To be insured, puppies and kittens typically need to be between 6 and 10 weeks old, varying by company. Older pets may not be eligible for initial enrollment or might only qualify for accident coverage. After enrollment, however, most plans guarantee lifelong coverage with regular premium payments.

Research What’s Covered

Pet insurance plans usually include coverage for surgeries, hospital stays, and medications when pets get sick or injured. However, some companies charge extra for certain services or don’t cover them at all. A few examples:

• Exam fees: While treatments like X-rays and surgery may be covered, the vet’s exam fee might not be.
• Alternative therapies: Some companies include acupuncture and physical therapy in their basic plans, while others charge extra.
• Behavioral therapy: Treatments for aggression or other behavioral issues may not be covered.
• Prescription food: Many plans won’t pay for special diets, even if your vet prescribes them.
• Dental care: Coverage for dental issues, like gingivitis or periodontal disease, varies between plans. Some may cover these only if your pet has had recent cleanings, while wellness plans might include cleaning costs.

Most pet insurance plans also won’t cover pre-existing conditions, cosmetic procedures, or breeding-related expenses.

Decide How Much Coverage You Want

Pet insurance typically limits annual payouts, though some plans offer unlimited coverage. You need to determine the level of coverage that provides peace of mind for covering veterinary expenses. If your pet stays healthy, you might only incur routine care costs for years. However, unforeseen surgeries or major illnesses could result in substantial costs.

Understand Reimbursements And Deductibles

Pet insurance usually reimburses a percentage of your vet bill, and you can choose reimbursement rates of 70%, 80%, or 90% when purchasing the plan.

Alternatively, some policies may pay a fixed amount for treatments, which might be less than your vet’s charges, leaving you to cover the rest.

Most policies come with a deductible, the amount you pay before coverage starts. Deductible amounts generally range from $100 to $250 or more. Some plans apply the deductible to each incident, while others use an annual deductible.

Lower deductibles and higher reimbursement percentages usually increase premiums, while higher deductibles and lower reimbursement percentages reduce premiums.

Check Waiting Periods

Most insurance plans include a short waiting period, typically about 14 days after purchase, before they cover general accident and illness treatments. During this period, medical expenses are not reimbursed. Some plans have longer waiting periods for certain conditions, such as cruciate ligament injuries, which are common orthopedic issues in dogs. Cruciate ligaments play a vital role in knee stability, and injury can significantly impair a dog’s ability to walk.

Examine Extra Costs

Certain pet insurance providers include routine services such as vet visits and vaccinations in their policies. Before signing up, determine if it’s worthwhile by comparing the annual cost of the wellness plan with your typical yearly expenses for these services. Be sure to check the details, as coverage for wellness services may differ among insurers.

Compare Quotes

Pet insurance expenses vary based on the insurer and the extent of coverage. Certain insurers provide discounts, like savings for covering multiple pets. However, a discount doesn’t guarantee it’s the best choice. To determine the most appropriate pet insurance, compare quotes from several plans with comparable coverage levels, deductibles, and reimbursement limits.