Does Pet Insurance Cover Spaying and Neutering? FAQs

Does Pet Insurance Cover Spaying and Neutering?
Does Pet Insurance Cover Spaying and Neutering?

It makes sense to get the animal spayed or neutered to avoid puppy mills and other unintentional breeding, especially with so many unwanted dogs and cats living on the streets or being put to death. These surgeries can be very expensive, especially if the animal is huge. Do the ASPCA, Trupanion, and Lemonade pet insurance policies cover spaying and neutering? Many pet owners have that question. To find out more about these procedures, keep reading.

What is Spaying?

Spaying, often referred to as an ovariohysterectomy, is a surgical procedure used to sterilize female dogs and cats by removing their uterus and ovaries. While some vets remove the ovaries, others opt to remove the uterus as well. Ovariectomy is the medical term for the removal of just the ovaries.

Because spaying is a significant operation, the dog is put under general anaesthesia and kept at the veterinary clinic overnight; so the doctor can monitor it. Although the decision to spay your dog may be seen as a personal one; it is advised that all female dogs have this procedure. Spaying has numerous health advantages in addition to assisting in the reduction of pet overpopulation.

What is Neutering?

When referring to a male animal, “neutering” (sometimes known as “castration”) is the removal of its reproductive organs (testicles or testes). While neutering is far easier than spaying, it still necessitates putting the dog under an anaesthetic. The veterinarian makes a small incision, removes the testicles through the incision, and then cuts the testicular stalks.

The man will require a few weeks to recuperate before returning to normal. Both prostate and testicular cancer can be avoided in dogs by neutering them. Similar to spaying, neutering also contributes to reducing the pet population.

Additionally, a legal substance injected into the testicles to halt sperm production and render the cat or dog infertile is available on the market.

Average Cost of Spaying and Neutering

The type of animal, its size, and the location where the surgery is carried out can all affect how much it will cost to sterilize your pet. Spaying or neutering a cat is less expensive than it is for a dog. Additionally, the cost of spaying a large dog will be higher than that of a small dog because the process for a small animal is quicker and easier.

Pet insurance can cost $35 to $500 or even more for spaying and neutering procedures. Reduced-cost clinics and humane societies offer low prices. Because spaying a female is more difficult than castrating a male, the cost of the procedure is higher.

Because the cost of sterilizing your pet includes more than just the operation itself, it may be pricey. Pre-operative blood work, anaesthesia, painkillers, and a thorough physical assessment are all covered by it. Some veterinary institutions can increase the cost of placing the animal on monitoring devices.

How Does Spaying and Neutering Coverage Work?

Two pet insurance coverage options are available from Progressive Pet Insurance by Pets Best for routine care; the EssentialWellness plan costs $16 per month, and the BestWellness plan costs $26 per month.

Only the BestWellness plan provides coverage for spay and neuter procedures, and these plans must be added to your BestBenefit accident and illness plan. BestWellness reimburses owners up to $150 annually for spaying or neutering their insured pets.

Spay/neuter and teeth cleaning are both included under the BestBenefit plan. As a result, you can get up to $150 annually in reimbursement for teeth cleaning following your pet’s spaying or neutering. For many additional basic medical procedures, BestWellness offers better reimbursement rates than the EssentialWellness plan.

Other pet insurance policies might also cover spaying and neutering. However, this is uncommon. Each insurer will have a different policy and process.

Does Pet Insurance Cover Spaying and Neutering?

No, because spaying and neutering are elective procedures, many pet insurance plans do not cover them. However, spaying and neutering may be partially covered by certain pet health plans, often known as preventative or regular care plans.

Does Lemonade Pet Insurance Cover Spaying?

Yes. The Preventative Care package from Lemonade can assist in reducing the expense of spaying or neutering. Lemonade provides some insurance coverage options. They clearly say they won’t cover things like anaesthesia, painkillers, examinations, etc., because the incident wasn’t covered by accident and illness. Lemonade will not cover the expense of spaying and neutering because they come under this category.

Since we advise getting your cat or dog a pet insurance policy as soon as possible, it makes sense to get a policy that pays for spaying and neutering (or at least a significant portion of it), so you can have a healthy and content pet and prevent some other health problems that may arise from having an intact pet.

Does ASPCA Pet Insurance Cover Spaying?

Spaying and neutering are not covered under the typical pet insurance plan. However, a preventative health care strategy that includes spaying or neutering can be added.

Does Trupanion Pet Insurance Cover Spaying?

No, Trupanion’s plans do not include coverage for spaying and neutering. The insurance views the repair as a necessary component of a pet’s routine wellness and preventative treatment. It’s vital to cover that in 2014, Trupanion enhanced its basic coverage to include ailments like testicular or mammary tumours that affect dogs and cats that haven’t been spayed or neutered.

How to Find Pet Insurance that Covers Spaying and Neutering

Preventative and routine treatment is generally not covered by pet insurance plans, so thoroughly evaluate coverage before purchasing. You must be sure that a plan that offers coverage for elective or preventative treatments includes coverage for spaying and neutering. Lastly, establish the extent of coverage for spay or neuter treatment and any issues that arise.

Pet Insurance that Covers Spaying and Neutering with add-on Coverage

You have a few choices if you’re looking for wellness plans for pet insurance that cover spaying and neutering treatments. Here are four insurers, along with information on how their costs and coverage vary. Remember that some wellness programs are only available as add-ons to pet insurance policies.


The two preventative care plans that Spot offers pet owners are Gold Preventative Care and Platinum Preventative Care. The Gold plan, which costs $9.95 a month, does not cover spaying and neutering coverage but basic care charges, including dental cleaning, wellness checks, and deworming.

Pet parents must select the Platinum plan from Spot to receive coverage for spaying and neutering. You can get up to $150 in spaying and neutering expenses covered by this plan, which costs $24.95 a month. Compared to the gold plan, you get $200 more in annual coverage with this plan.

Prudent Pet

Three levels of wellness coverage, denoted as low, medium, or high, are offered by Prudent Pet. The cheap plan does not cover neutering or spaying, and it costs $11.95 a month. The medium plan, which costs $19.95 a month and provides up to $40 in reimbursement for spaying or neutering, is also available. The last option is the premium plan, which costs $29.95 a month and provides up to $60 in reimbursement for spaying or neutering.

Eight preventative benefits are covered in total by the low plan ($210), nine preventative benefits are covered in total by the medium plan ($315), and eleven preventative benefits are covered in total by the high plan ($460).

All three plans cover wellness examinations, rabies vaccination, DHLPP immunization, heartworm or FELV testing, faecal tests, health certificates, microchipping, and deworming (at various reimbursement rates).


ASPCA Pet Insurance provides the same preventative care coverage as it is provided by Spot. The plans offered by each company are very similar because they are both parts of the Crum & Foster Pet Insurance Group.

You have a choice between two preventative care programs with the ASPCA. The Basic Preventative Care plan does not cover spaying and neutering, so you must select the Prime Preventive Care plan to receive coverage for these procedures.

This plan covers spaying and neutering, dental cleaning, wellness checks, deworming, flea prevention, blood testing, urinalysis, and other related expenses.

Pets Best

EssentialWellness and BestWellness are the two levels of wellness coverage offered by Pets Best. The Essential Wellness plan does not cover the cost of spaying and neutering, so you must choose the BestWellness plan to receive compensation for these expenses.

The BestWellness plan, which costs $26 a month, will cover up to $150 of the cost of spaying or neutering an animal. This plan covers deworming, microchipping, wellness checkups, blood and fecal tests, flea and heartworm prevention, immunizations, and more. You are eligible for an annual reimbursement for preventative care expenses totalling $535.


Although not appropriate for everyone, pet health insurance and the potential wellness plans that go along with it can be a good choice for your pet’s care. Get quotes from several pet insurance companies, compare your rates, and ensure you’re getting the coverage you and your pet need if you choose pet insurance or a wellness plan.

Frequently Asked Questions

Does pet insurance include surgery?

Medically essential surgeries, including urgent care visits and some prophylactic procedures, may be covered by pet insurance coverage. Elective or optional procedures are typically not covered, and some procedures may not be covered if they are connected to a pre-existing condition.

How much does it cost to spay a dog?

The typical cost of a spay for a healthy dog out of season is between $200 and $400. Low-cost clinics frequently provide spaying for less than $200 for a healthy; young dog, with some offering it for as little as $40–$50 for tiny dogs.

Is it illegal to not have dog insurance?

Is pet insurance required by law? While having your dog microchipped has been required by law since 2016; there is no obligation that you have pet insurance for your dog, cat, or any other form of creature. Whether or not you decide to purchase a policy is entirely up to you.

Can you lie about pre-existing conditions for pet insurance?

When responding to these questions, you should be totally truthful. Knowingly lying to the insurance provider about your pet’s prior issues is fraud and will result in the cancellation of the coverage.

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