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Pet Insurance that Covers Spay and Neuter

spay and neuter


Spaying one’s cat or dog is one of the most responsible things a pet owner can do. It prevents unwanted litters that may lead to more stray animals. When animals are without a home they are susceptible to injury and death as a result of traffic accidents, exposure, and starvation. When strays are picked up by animal services they are often euthanized to reduce the animal population and to prevent future suffering and the potential spread of disease.

Does Pet Insurance Cover Spaying and Neutering?

Pet health insurance can help owners to best manage the cost of many vet procedures. The question is, does pet insurance cover neutering or spaying your dog or cat. Technically, insurance companies do not offer this type of coverage to pet owners who have major medical or accident-only plans.

Out of the top pet insurance providers, seven of them offer the purchase of a wellness plan, which provides coverage for routine and preventative care. Depending on the provider, wellness plans may include sterilization as a covered procedure. Therefore, pet insurance that covers spay and neuter costs is generally a routine accident and illness plan with the addition of a wellness plan.

The amount of coverage depends on the insurer and their coverage or reimbursement limits for the procedures. provides a chart that lets you compare wellness plans and read reviews before you select one to sign up with.

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What Does it Mean to Spay or Neuter a Pet?

When you spay or neuter a dog or cat you are electing to have it sterilized. These are irreversible, routine surgical procedures. Female pets are spayed using a procedure called ovariohysterectomy, which removes the animal’s ovaries, uterus and fallopian tubes. For male pets, neutering requires a procedure called an orchiectomy, which removes the testes. There are a number of options that can make sterilizing a pet more affordable. One of these options is to seek out pet insurance that covers spay and neuter costs. Before doing that you’ll need the answer to the question “Does pet insurance cover spaying or neutering?”

When Should Pets be Spayed or Neutered

There is another important question that you’ll need answered. Knowing when the procedure can safely be performed is just as important as whether insurance will cover it. This can vary depending on the type and breed of pet, and on the stipulations of the veterinarian who will perform the procedure. In general, most dogs can safely be neutered or spayed at six to nine months old.

Older or younger dogs may also have the sterilization procedures done, however, this depends on the animals overall health. When it comes to adult dogs, there is some potential risk of postoperative complications. Cats may have the surgery at a younger age, starting at 8 weeks old and before 5 months of age. Ideally, one should consult their veterinarian to determine what’s best for their pet.

Why Do People Spay/Neuter Their Pets

People often have their pets sterilized to prevent unexpected and unwanted litters, but it is not the only reason. Another common reason to spay or neuter pets is to reduce or eliminate unwanted behaviors. For males, these behaviors include spraying their environment, which often includes the walls and furniture in the home, and running away to roam the streets due to an instinctual urge to mate.

Aggression may also be curbed as a result of neutering. For females, particularly female cats, unwanted behaviors include yowling or urinating more frequently in places other than their litter box. Reducing medical risks is a less common, yet important reason why pets are sterilized. Females are at less risk of uterine infections while a male’s risk of testicular cancer and benign prostatic hyperplasia are reduced.

Now that you have an answer to the question “Does pet insurance cover neutering or spaying?” get free quotes by filling out our online form. We’ve got the resources to help you research the pet insurance and wellness plans that can help you cover the cost of your pet’s sterilization procedure.

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