I think that the practicality of this idea would hinge upon how or if your garage is insulated and heated now. It might make sense to put a layer of insulation on the walls and ceiling if that's practical.
Otherwise, I personally wouldn't even consider it unless you are going coldwater. I shudder to think of the cost of heating it to tropical temperatures. And maybe it's just me, but...I wouldn't want a pond with a cover. I want to be able to see my fish all the time directly, without the need to open it up.
I have a smallish stock-tank/pond in my basement. I tried heating it and quickly gave up on that idea; it's now always at ambient room temperature in my somewhat-heated garage; maybe 55-60F in winter, 65-75F in summer. Even uncovered, the humidity is easily controlled with a dehumidifier. Right now my basement is around 25-30% humidity, and the de-humidifier never kicks on. In summer, the humidity is maintained between 30 and 40% by the dehumidifier which runs constantly, but would be up around 80-90% without. Mold hasn't been a concern.
An important point is that you would want your pond elevated above the cold concrete floor. Mine stands on a pedestal of concrete blocks placed on end. Not only does this keep it much warmer but it's a much more convenient and comfortable height for observation, and would make draining much easier if you use a siphon.
If you have jumpers, a "wall" made of the clear corrugated plastic used by me and many others as tank lids works well. Cut it into 6-inch strips (or whatever height you want) and then fasten them together to form a circle of the correct size to sit on top of the pond wall and discourage jumps. Stock tanks usually have a deep groove or well running all around the top edge to increase rigidity; the ring stands up perfectly in there, doesn't hinder observation or feeding, and is easily and instantly removable if you need to.
Finally...a quartz or other radiant heater can be set up and pointed directly at the tank or pond, to provide some supplementary heat in extreme periods of cold. These things heat objects rather than the air in between; it's astonishing how effective they can be at adding additional heat when used this way.