Pomeranian vs Havanese: Pet Insurance Comparison
Side-by-side comparison of Pomeranian and Havanese insurance costs, health risks, and coverage needs.
Both the Pomeranian and the Havanese are beloved breeds, but they differ significantly in terms of health risks, insurance costs, and long-term care requirements. Both are toy breeds, so their size-related health risks are comparable, but breed-specific conditions create meaningful differences in insurance costs. The Pomeranian has a typical lifespan of 12-16 years compared to 14-16 years for the Havanese.
When it comes to insurance, the Pomeranian is the more costly breed to cover at approximately $50/month compared to $47/month for the Havanese — a difference of $3/month or about $36/year. This premium gap reflects breed-specific health predispositions.
Health-wise, the Pomeranian is predisposed to luxating patella, tracheal collapse, dental disease. The Havanese, on the other hand, is prone to luxating patella, cataracts, hip dysplasia. Both breeds share susceptibility to luxating patella, so insurance coverage for this condition is important regardless of which breed you choose.
For prospective owners, budget-conscious owners may find the Havanese more affordable to insure. Regardless of which breed you choose, enrolling in pet insurance while your pet is young and healthy ensures you'll have coverage when you need it most — and avoids the pre-existing condition exclusion that makes later enrollment less valuable.
| Attribute | Pomeranian | Havanese |
|---|---|---|
| Size | toy | toy |
| Weight | 4–11 lbs | 7–11 lbs |
| Lifespan | 12–16 yrs | 14–16 yrs |
| Avg Vet Cost | $800/yr | $800/yr |
| Insurance Premium | $57–$72/mo | $54–$68/mo |
| Common Conditions | 5 | 5 |
| Popularity Rank | #24 | #25 |
Pomeranian Health Risks
- Luxating Patella — $1,500–$5,000
- Tracheal Collapse — $2,000–$6,000
- Dental Disease (Periodontal Disease) — $500–$3,000
- Alopecia X (Black Skin Disease) — $500–$3,000
- Hypoglycemia (Low Blood Sugar) — $200–$2,000
Havanese Health Risks
- Luxating Patella — $1,500–$5,000
- Cataracts — $2,500–$5,000
- Hip Dysplasia — $1,500–$12,000
- Deafness (Congenital and Acquired) — $200–$2,000
- Heart Murmur — $500–$5,000
Frequently Asked Questions
Is Pomeranian or Havanese more expensive to insure?▾
Pomeranian insurance starts at $57/mo while Havanese starts at $54/mo. Pomeranian is more expensive due to higher vet costs ($800/yr).
Which breed has more health problems, Pomeranian or Havanese?▾
Pomeranian is prone to luxating patella, tracheal collapse, dental disease (periodontal disease), alopecia x (black skin disease), hypoglycemia (low blood sugar). Havanese is prone to luxating patella, cataracts, hip dysplasia, deafness (congenital and acquired), heart murmur.