Pomeranian Health Profile: Why the Small Pomeranian Becomes Surprisingly Expensive
Pomeranians are small, active, and often sensitive to respiratory problems and orthopedic limitations. Many of these conditions only become apparent over the course of life and can require extensive diagnostics or recurring treatments.
The most common conditions and their typical costs:
· Respiratory infections or respiratory irritation: €80–300 per treatment.
· Tracheal irritation (acquired): Diagnostics €100–250, treatment €100–300.
· Patellar luxation (acquired forms): Diagnostics €150–300, surgery €1,000–2,000.
· Cruciate ligament tear: Surgery €1,800–3,500.
· Dental problems and periodontitis: Dental cleaning €150–350, dental surgeries €500–1,200.
· Alopecia / skin problems (not congenital): €150–600 annually.
· Allergies: €200–800 per year.
· Corneal injuries or eye inflammation: Diagnostics €100–300, surgery up to €1,500.
· Gastrointestinal problems: €80–300.
· Injuries from falls or play: €100–500.
Over a Pomeranian's lifetime (12–16 years), veterinary costs range between €6,000 and €14,000.
Note: Some conditions are not insurable if they are congenital or genetically determined. Details can be found further below in the section "Which conditions are not covered for Pomeranians?".
Our claims data show cost development across life stages:
Puppies (0–1 year): The musculoskeletal system is already the main topic at 31.9% – often due to breed-typical patellar luxation or juvenile joint problems. The highest costs come from dental treatments (average €339), often due to persistent deciduous teeth that must be surgically removed.
Adults (2–7 years): Musculoskeletal remains dominant at 31.4%. The most expensive single category: tumors at an average of €935 per case. Dental treatments show up as a regular cost factor.
Seniors (8+ years): Gastrointestinal conditions take up almost half of all cases at 44.4%. The most critical cost value: cardiovascular conditions at an average of €489 per treatment – a sign of increasing susceptibility to heart valve problems in aging Pomeranians.
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What Dalma Actually Reimburses for Pomeranians: Data from 245 Claims
245 Pomeranian claims at Dalma (January 2024 – December 2025). Source: Dalma Claims Database, as of March 2026.
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Which Plan is Right for Your Pomeranian?
You can choose between Surgical Insurance and Dog Health Insurance.
1. Surgical Insurance for Pomeranians
Ideal for orthopedic and dental procedures. Coverage at Dalma:
· Surgical procedures for accident or illness
· Pre-examinations up to 30 days before surgery
· Medications, bandages, and aftercare
· Clinic stays up to 30 days after surgery
· Physiotherapy up to 30 days after surgery
· Dental surgeries after waiting period
· Emergency housing up to €250 per year
2. Dog Health Insurance (Full Cover) for Pomeranians
Deckt Diagnostik, Behandlungen, Medikamente und Vorsorge ab. Du kannst flexibel zwischen 80 und 100 Prozent Erstattung wählen und die Jahreshöchstleistung von 1.500 € bis unbegrenzt festlegen. Enthalten sind u. a.:
· Diagnostics and medical examinations
· Medications and treatments
· Unlimited physiotherapy
· Alternative healing methods such as osteopathy or acupuncture
· Behavioral therapy up to 5 hours per year
· Telemedicine via FirstVet
· Preventive budget for vaccinations, dental care, and deworming
Assessment: Pomeranians benefit particularly from Full Cover due to their dental and respiratory sensitivity. The most common costs (dental treatments, heart medication, skin problems) are outpatient – and therefore only covered by Full Cover.
Focus on the cuddles, we'll focus on the costs.
What Does Pomeranian Insurance Cost at Dalma?
Costs depend on age, health status, and plan. Typical costs at Dalma:
· Dog Health Insurance: from €25 per month
· Surgical Insurance: from €9 per month
As of March 2026. At Dalma you get 15 percent discount when you insure multiple dogs.
From the 10th year of life, the reimbursement rate for conditions decreases by 5% annually. Pomeranians often live 12 to 16 years. For accidents, the rate remains unchanged.
Focus on the cuddles, we'll focus on the costs.
Waiting Periods for Pomeranians
· 2 days for accidents
· 14 days for surgeries
· 30 days for medical treatments
· 12 months for patellar luxation (acquired forms)
· 12 months for dental treatments such as FORL
· 18 months for patellar luxation (general waiting period)
Pre-existing conditions that exist before the contract is concluded are excluded. Early insurance – ideally in puppyhood – is especially important for Pomeranians.
Focus on the cuddles, we'll focus on the costs.
Which Conditions Are Not Covered for Pomeranians?
As with all insurers, congenital, inherited, or genetic conditions are generally not insurable. These include, for example:
· Congenital tracheal collapse
· Congenital patellar luxation
· Genetic alopecia (Black Skin Disease)
· Congenital heart defects
· Congenital cataract
Acquired conditions as well as most orthopedic, ophthalmological, and dermatological problems are regularly covered.
Focus on the cuddles, we'll focus on the costs.
Reimbursement at Dalma
100% digital. Upload invoice via app, deadline 8 days. Reimbursement target 48 hours (contractually up to 5 business days). Up to 4x the fee schedule including emergency charges. Free choice of veterinarian worldwide. Telemedicine via FirstVet free and unlimited.
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For Which Pomeranian is Insurance Most Worthwhile?
Insure as Early as Possible: Ideally already in puppyhood. Many conditions such as patellar luxation, respiratory irritation, or dental problems only appear later and are then considered acquired – making them insurable. Even minor injuries and dental problems can occur in young years.
Less Added Value: If your Pomeranian is already older and knee, heart, or dental diagnoses were known before the contract began. Protection against congenital tracheal collapse or Black Skin Disease is also not possible.
A Calculation: A Pomeranian with patellar luxation surgery (average €1,000–2,000), two dental treatments (average €516 each), and annual heart medication in old age (average €319–489) quickly adds up to €3,000–4,000 in covered costs.
Focus on the cuddles, we'll focus on the costs.
Frequently Asked Questions About Pomeranian Insurance
Is Dog Health Insurance Worthwhile for Pomeranians?
Yes, Dog Health Insurance is very worthwhile for Pomeranians. The breed is prone to dental problems, patellar luxation, skin conditions, and respiratory irritation. Many of these conditions cause recurring costs that become predictable with insurance.
What Conditions Are Most Commonly Covered for Pomeranians?
Covered conditions include acquired patellar luxation, dental problems such as periodontitis, respiratory infections, skin conditions, allergies, eye inflammation, gastrointestinal problems, and injuries.
Is Patellar Luxation Covered for Pomeranians?
Patellar luxation is covered if it is not congenital and is first diagnosed after the contract is concluded. At Dalma, there is a 18-month waiting period for patellar luxation.
Are Dental Problems Covered for Pomeranians?
Yes, dental problems such as tartar, gingivitis, or periodontitis are insurable. There is a 12-month waiting period for dental treatments. After that, the Dog Health Insurance covers the costs for treatments and dental surgeries.
What Is Covered for Respiratory Problems in Pomeranians?
Acquired respiratory infections or tracheal irritation are generally covered. Congenital diseases such as genetic tracheal collapse are excluded. It is important that the condition occurs after the contract begins.
Does the Insurance Also Cover Minor Treatments and Medications?
Yes, Full Cover also includes diagnostics, medications, follow-up examinations, and medical treatments. This includes, for example, veterinary visits for skin irritation, diarrhea, cough, or allergic reactions.
Is There a Deductible for Pomeranians at Dalma?
No, there is no deductible at Dalma. Eligible costs are covered 80 to 100 percent depending on the plan chosen, with no out-of-pocket costs.
Why is Full Cover Particularly Recommended for Pomeranians?
Full Cover covers not only surgeries, but also diagnostics, medications, dental treatments, physiotherapy, and preventive services. Since Pomeranians often suffer from several minor but recurring health problems, Full Cover provides the most comprehensive protection.
Focus on the cuddles, we'll focus on the costs.
Focus on the cuddles, we'll focus on the costs.
