Pet Insurance That Covers Spaying & Neutering
Pet insurance doesn’t typically cover spaying or neutering surgeries, but some wellness plan add-ons do.
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Veterinarians recommend spaying and neutering your pets to help control the stray animal population. Unfortunately, these procedures—officially called orchiectomies and ovariohysterectomies, respectively—can be costly.
While the majority of pet insurance policies do not cover spaying and neutering surgeries, some companies offer additional pet wellness plans that do. This guide will break down these options, as well as their associated costs.
On this page:
- Why most policies don’t cover spaying and neutering
- Pet insurance that covers spaying and neutering
- Is it worth getting a wellness plan to cover spaying and neutering?
Why most pet insurance policies don’t cover spaying and neutering
Pet insurers generally consider spaying and neutering elective procedures, which is why they’re not covered in most policies.
Fortunately, many insurance companies have add-on preventative care and wellness plans. Some of them include coverage for these procedures. These add-on plans also typically cover things like vaccinations, flea and tick prevention, wellness exams, and similar services.
Pet insurance that covers spaying and neutering with add-on coverage
If you’re looking for pet insurance wellness plans that cover spaying and neutering procedures, you have a few options. Here are five insurers, as well as details on how their pricing and coverages differ. Note that some of these wellness plans can only be added on to pet insurance policies.
| Provider | Monthly Cost | LendEDU Rating |
| Spot | $9.95 – $24.95 | 5/5 |
| ASPCA | $9.95 – $24.95 | 5/5 |
| Embrace | $18 – $62* | 4.6/5 |
| Hartville | $9.95 – $24.95 | 5/5 |
| Pets Best | $26 | 4.6/5 |
*Based on a quote for a 5-year old mixed-breed dog. You may receive a quote outside this range.
Spot
Spot Pet Insurance offers two preventative care options that pet owners can add to their plan: Gold or Platinum. The Gold plan is only $9.95 per month and covers expenses such as dental cleanings, wellness exams, and deworming, but doesn’t cover spaying or neutering. The Platinum plan covers more detailed expenses including blood tests, flea prevention, and spaying or neutering. This plan can be added for $24.95 per month.
ASPCA
With an ASPCA Pet Insurance plan, you can choose between two different preventative care plans, though only one includes spaying and neutering.
The basic plan, which costs $9.95 per month for $250 in benefits, does not include spay/neuter procedures. The prime plan, on the other hand, offers up to $150 in benefits for dental cleaning or spaying/neutering. This one costs $24.95 per month.
Embrace
Embrace Pet Insurance offers Wellness Rewards, which reimburses pet owners for spay/neuter surgeries, as well as other items like teeth cleaning, grooming, exam fees, nail trimming, and heartworm and flea medications. Reimbursement can be $250, $450, or $650 per year.
Embrace doesn’t have set prices for these, but a quote for a 5-year-old mixed-breed dog shows a cost of about $18 per month for the lowest-tier wellness plan and $62 per month for the highest-tier one.
Hartville
Hartville Pet Insurance offers the same wellness options as ASPCA. The basic plan, which does not include spaying or neutering, costs $9.95 per month, while the prime plan costs $24.95 and does include spay/neuter surgeries. The higher-cost plan also covers wellness exams, flea and heartworm medication, and certain vaccines.
Pets Best
Pets Best Pet Insurance has two tiers of wellness plans, which cover things like vaccinations, microchipping, dental cleanings, and in some cases, spaying and neutering.
Pets Best’s BestWellness plan covers spaying and neutering procedures. This plan comes at a cost of $26 per month. With this add-on, pets will receive annual benefits totaling $535 for over ten different wellness protections, including spaying and neutering, tick prevention, deworming, and more.
Is it worth getting a wellness plan to cover spaying and neutering?
The cost of spaying and neutering surgeries depends on the type of pet you have, as well as their weight. According to the Sacramento SPCA, it costs anywhere from $100 to $350 for a dog and $35 to $50 for a cat.
Though veterinarians offer spay/neuter services, many state-run and non-profit agencies also offer these surgeries at discounted (or sometimes even free) rates. Make sure you study up on these options in your area. If they’re available and you’re only considering a wellness plan to cover the costs of spaying/neutering, then it’s likely not worth the money.
If you could benefit from the other wellness coverages or would just like the peace of mind that comes with a more thorough insurance plan, it may be a smart move to make.
Pet insurance resources
Pet health insurance, and the possible wellness plans they come with, can be a wise way to care for your pet—but it’s not right for everyone.
Still not sure if you should make the move? These resources may be able to help:
- Best Pet Insurance Companies
- How Does Pet Insurance Work & What Does it Cover?
- Is Pet Insurance Worth It?
- Pet Insurance and Pre-Existing Conditions
If you do decide on pet insurance coverage or a wellness plan, get quotes from several pet insurance providers, compare your costs, and make sure you’re getting the coverage you and your pet need.