Pet Insurance That Covers Neutering and Spaying

Pet Insurance That Covers Neutering and Spaying
Pet Insurance That Covers Neutering and Spaying

Are you concerned for the well-being of your pet? If so, you’ve come to the correct spot, as we’ll make sure you receive the greatest protection for your buds. We will explore whether pet insurance generally covers spaying and neutering. As well as answering the question of whether Lemonade, Embrace, Pumpkin, and Petco Pet Insurance cover neutering.

Pet Insurance That Covers Neutering

Every pet owner who doesn’t intend to reproduce their animals should spay and neuter them. This is a regrettable issue with a very simple remedy. Shelters across the nation are constantly under pressure, have limited resources, and are crammed to capacity with puppies, kittens, dogs, and cats who have little hope of finding a forever home. And you may contribute to the reduction of this issue by having your cherished pet neutered so that they won’t produce children that neither you nor your neighbourhood shelter will be able to care for.

Sometimes, we humans project a lot of things onto our animals. Due to this, some pet guardians may find the thought of neutering unsettling. But it’s crucial to be aware of all the potential advantages that neutering offers. Fixing a pet to prevent unintentional breeding has a far different impact on their body than it would on a human. Getting your pet neutered as soon as it reaches breeding age has absolutely no drawbacks because they actually enjoy longer, happier lives in the long run.

Why Don’t Most Pet Insurance Policies Covers Spaying and Neutering?

Spaying and neutering are typically excluded from covers under most pet insurance policies since they are viewed as elective operations by pet insurers.

Thankfully, a lot of insurance providers offer additional preventative care and wellness plans. For some of them, these procedures are covered. Vaccinations, flea and tick prevention, health examinations, and similar services are frequently covered by these add-on policies as well.

Does Lemonade Pet Insurance That Covers Neutering?

A basic Lemonade pet health insurance plan covers treatments or medical attention for unanticipated illnesses or accidents that have hurt your pet. Even if you give your pet good care, you can never predict what might happen as they age because certain conditions can appear and worsen very quickly, and accidents can occur at any time, regardless of how old your pet is.

We know exactly what would be covered by your pet’s health insurance policy—and, in this case, what wouldn’t. When it’s time to pay your subsequent veterinary bill or submit your subsequent pet insurance claim, there won’t be any unpleasant surprises.

The following are some things that your pet health insurance most likely does not cover:

Something that happens before a waiting period is up

The amount of time your pet insurance provider wants you to wait before your pet is qualified for coverage for particular conditions is known as a waiting period. There are three distinct waiting periods to be aware of after activating a Lemonade dog insurance coverage before you can submit a claim:

  • Two days for accidents 
  • Fourteen days for illnesses 
  • Six months for cruciate ligament events 

These waiting periods start on the first day of your policy, and your insurance provider can only pay out claims once the waiting time has passed.

Pre-existing conditions

Any illness or ailment that your pet had before the waiting period on your pet insurance policy expired is referred to as a pre-existing condition. It simply implies that your plan won’t cover expenses directly related to any illness your pet was diagnosed with or displayed symptoms of prior to having a pet insurance policy. This does not imply that pet insurance providers will decline to insure your pet.

Bilateral conditions

A bilateral illness is one of the more perplexing pet health conditions that you won’t often hear about before it suddenly affects your pet. These ailments are covered by your pet’s health insurance, but only if your pet doesn’t exhibit any signs of them on either side of their body (especially if they are mentioned in their medical records).

Things that aren’t an accident or illness

Your dog or cat will be protected for the following in the case of an unexpected accident or sickness with a basic Lemonade pet health insurance policy.

  • Diagnostics: Blood tests, x-rays, MRI, CT scans and lab work
  • Procedures: hospitalization, surgery, specialist and emergency care, and outpatient visits
  • Medication: Prescription drugs or injections

You most likely won’t be covered if you get base coverage and require any of those for something other than an accident or illness.

Your pet’s yearly wellness exam, heartworm or FeLV/FIV test, up to three immunizations, a parasite or fecal test, and a blood test are all covered by Lemonade’s preventative package, which covers the services you’re probably already paying for.

In addition to what is covered in the basic Preventative Package; there is a Preventative+ Package that additionally covers routine dental cleaning and heartworm/flea treatment. For pets younger than two years old, they now offer a Puppy/Kitten Preventative package that covers additional immunizations; microchipping, and spaying or neutering procedures.

Does Embrace Pet Insurance That Covers Neutering

To help pet owners with unforeseen medical costs brought on by accidents and illnesses, Embrace offers insurance. You can see any licensed veterinarian with your dog or cat. While Embrace does not provide preventative care coverage, the insurer does provide an optional Wellness Rewards plan that is not insurance-based and covers regular checkups, spaying/neutering, teeth cleaning, and other services.

The only exotic animals that the insurer covers are cats and dogs; it does not cover tiny mammals, birds, or reptiles. Claims can be filed using the Embrace mobile app, email, fax, or regular mail.

It’s crucial to remember that Embrace has a number of waiting times. A waiting period is the period of time between the start of a policy and the beginning of the claims process. One of the shortest accident waiting periods of all the organizations in our ranking is the two days at Embrace. Its 14-day illness waiting period is comparable to those of the other companies in the rating, and its six-month orthopedic waiting period.

Only cats and dogs are covered by Embrace’s insurance policies. Embrace does not cover basic exams and preventative medicine, including vaccines; with a focus on helping pet owners pay for unforeseen medical costs brought on by disease or damage. Wellness Rewards, a non-insurance care plan, can be purchased and covers checkups, spaying/neutering, as well as grooming and training.

Does Petco Insurance Cover Neutering

Although some pet owners opt to perform these operations themselves, it is always preferable to leave them to the experts. Fortunately, both cats and dogs may have reasonable spaying and neutering procedures thanks to Petco pet insurance.

Spaying starts at about $50 while neutering costs as little as $35. Additionally, many of the creatures eligible for adoption have already undergone spaying or neutering because of Petco’s partnerships with animal rescue shelters. Petco is a terrific location to start your search if you’re wanting to expand your family with a furry member.

Does Pumpkin Pet Insurance Cover Neutering

No. They do not cover it since they view it as an optional cosmetic operation. Elective operations like spaying and neutering are not covered by Pumpkin Pet Insurance plans; despite the fact that they provide broad coverage for accidents and illnesses.

Are neutering and spaying your pet a good idea?

Pet sterilization has various health advantages in addition to reducing the number of unwanted litter and stray animals. A dog or cat that has had its reproductive organs surgically removed does not experience heat cycles and generally behaves better. Because it makes them more docile and human-oriented, pet owners prefer spaying and neutering their buds while they are younger.

You should be aware of these benefits of pet spaying and neutering:

Disease avoidance:

Adult dogs and cats are susceptible to deadly testicular and ovarian malignancies. Make sure to check with a reputable veterinarian to get your pet spayed or neutered if you want to make sure they don’t contract the disease. Spaying can reduce the risk of ovarian cancer and ovarian cysts in female cats and dogs. Similarly, removing the testicles stops male pets from developing testicular cancer, fungal infections, and excessive desires.


Pets don’t have heat cycles, therefore they have no motive to erupt and flee from you. These surgical techniques are the best option if you want your dog or cat to be quiet and focused on you. The furry friends don’t get lost because there are no births or matings.

Regulated populace:

It is extremely tragic that hundreds of thousands of stray animals are put to death across Canada each year. Whenever possible, have your pet sterilized to make sure they don’t contribute to the stray population.


Even though most comprehensive pet insurance plans do not covers spaying and neutering; you can choose to enrol in a wellness plan that reimburses you in part for standard treatments. We strongly advise you to thoroughly review the individual policies if you’re considering signing up for a wellness plan with a pet insurance provider because the treatments; procedures, and reimbursement amounts given by different providers may vary.

Frequently Asked Questions

Does pet insurance cover spaying and neutering?

No. A Pet insurance plan does not covers spaying and neutering since they are regarded as elective procedures. Spaying and neutering may, however, be partially covered by certain pet health plans, often known as preventative care plans or regular care plans.

Is pet insurance worth it when spaying or neutering?

Even though surgery is very common, problems can still happen. The most frequent problems can cost hundreds or even thousands of dollars more than the initial surgery, including fluid accumulation around the wound, moderate bleeding, and infection. In addition to your spay or neuter reimbursement, pet insurance policies that cover illnesses may also offer coverage if your pet experiences difficulties after being spayed or neutered. Find out more about how much pet insurance costs.

What pet insurance policies cover spays or neuters?

As an elective procedure, spaying and neutering are typically not covered by many pet insurance policies. However, owners can purchase pet wellness plans that include standard care like spaying and neutering.

Does Figo cover neuters?

Figo’s Wellness Powerup covers standard operations, including dental work, annual wellness checks, vaccines, and spay and neuter surgeries.

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