Is spaying and neutering covered by pet insurance?

What is the distinction between pet wellness plans and full-service pet plans?

Comprehensive pet insurance is intended to cover unexpected accidents and/or diseases, whereas pet wellness plans emphasize preventative and routine treatment. Preventative pet insurance policies may reimburse you for the expense of routine treatments such as spaying and neutering, as well as other routine requirements such as immunizations, teeth cleaning, and more. Learn more about how dental care is covered by pet insurance.

Where can I find pet insurance that covers spaying and neutering?

Pet insurance plans that cover preventative and routine treatment are uncommon among pet insurers, so compare policies thoroughly before purchasing. If you locate a plan that covers elective or preventative operations, make sure it includes coverage for spaying and neutering. Finally, confirm the amount of coverage for a spay or neuter procedure and any issues that may arise.

How does spay/neuter coverage work?

Progressive Pet Insurance by Pets Best provides two routine care pet insurance coverage options: the EssentialWellness plan and the BestWellness plan. These insurance must be purchased in addition to your BestBenefit accident and illness plan, but only the BestWellness plan includes coverage for spay and neuter.

The BestBenefit plan splits coverage between spay/neuter and teeth cleaning. So, in the years following your pet's spay or neuter, you can be reimbursed for teeth cleaning up to your plan's maximum amount per year. BestWellness also provides larger reimbursement amounts for many more routine care procedures than the EssentialWellness plan.

Other pet insurance plans, while unusual, may include spay/neuter coverage. The specifics of coverage will differ depending on the insurance.


Spaying and neutering provide more than simply population control; it may also serve as preventative care for specific health conditions. Spaying and neutering a pet early in its life, on the other hand, is now known to cause problems later on.

Is pet insurance worthwhile when spaying or neutering your pet?

Even though the treatment is extremely prevalent, problems can emerge following the surgery. Some of the most common problems are fluid buildup around the incision, as well as moderate bleeding and infection, which can cost hundreds or thousands of dollars more than the original surgery. On top of your spay/neuter reimbursement, pet insurance plans that cover illnesses may provide coverage if your pet develops difficulties after being spayed or neutered. 

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