This question of does pet insurance cover spaying has been a concern to many. Today, the most suitable answer to this is brought to your screen.
With so many stray and abandoned furbabies ending up in shelters around the world, veterinarians are working hard to convince all pet parents that having our pets spayed is the best way to help reduce the number of unwanted animals.
You’re probably aware that being a pet parent isn’t cheap. With the cost of vaccinations, minor and major health issues, and unexpected surgical procedures, it can feel like more money is leaving your bank account than entering it.
Does pet insurance cover spaying an overview
Spaying and neutering your pets is recommended by veterinarians to help control the stray animal population.
Unfortunately, these procedures, officially known as orchiectomies and ovariohysterectomies, can be expensive.
While most pet insurance policies exclude spaying and neutering surgeries, some companies offer additional pet wellness plans that do. This guide will explain these options and their associated costs.
Meaning of spaying
Whether you’ve heard it called fixed, neutering, or spaying, knowing what it is and why it’s so important can be beneficial.
Spaying, also known as an Ovariohysterectomy, is the surgical removal of a female dog or cat’s ovaries, fallopian tubes, and uterus.
Once this occurs, your female furkid will be prevented from going into heat, which will eliminate breeding behavior and prevent her from reproducing.
The testicles of male dogs and cats are removed during neutering, also known as an Orchiectomy. This prevents typical male breeding behaviors and the ability to impregnate a female.
Significance of spaying
Millions of stray animals end up in shelters or live on the streets every year. While many are lucky enough to be rehomed, many more are euthanized when their forever families cannot be found.
Sterilizing your cat or dog not only helps reduce these numbers, but it also has some important health benefits and can reduce many of the unwanted behavioral issues that can occur when your pet is in heat.
Spaying female pets can help prevent uterine infections and breast tumors, many of which are malignant. Neutering male pets reduces the risk of prostate problems and prevents testicular cancer.
The behavioral benefits are also well worth it, as it prevents female cats in heat from yowling in an attempt to attract a mate and makes male dogs less territorial.
Spayed and neutered pets are less likely to leave the property and roam, so having them fixed is a great way to keep them safe if they aren’t fitted with one of the best pet trackers.
Is pet insurance worthwhile when spaying or neutering your pet
Despite the fact that the procedure is extremely common, complications can occur after the surgery.
Some of the most common complications are fluid buildup around the incision, as well as mild 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 complications after being spayed or neutered. Whether or not you believe investing in a wellness plan is worthwhile is largely determined by what you hope to gain from it.
If all you want it for is to cover the cost of spaying, you should probably get a standard policy and pay for the sterilization yourself, if you can afford it. If you want a long-term holistic approach to your pet’s health, dog and cat wellness plans are worth considering.
The monthly cost of the add-on ranges between $9 and $25, and it can cover the costs of vaccinations, microchipping, deworming, health screenings, flea and tick prevention, and blood work.
Distinction between pet wellness plans and full-service pet plans
Comprehensive pet insurance is intended to cover unexpected accidents and/or illnesses, whereas pet wellness plans emphasize preventive and routine care.
Preventative pet insurance plans may reimburse you for the cost of routine procedures such as spaying and neutering, as well as other routine requirements such as vaccinations, teeth cleaning, and more. Learn more about how dental care is covered by pet insurance.
Depending on your insurer, pet wellness plans and pet insurance plans may not be mutually exclusive. You may be able to choose between the two types of coverage for your cat or dog.
The majority of pet insurance policies do not cover spaying and neutering.
Spaying and neutering are generally considered elective procedures by pet insurers, which is why they are not covered in most policies.
Many insurance companies, fortunately, offer add-on preventative care and wellness plans.
These procedures are covered by some of them. Vaccinations, flea and tick prevention, wellness exams, and other similar services are typically covered by these add-on plans.
Because spaying and neutering are considered elective procedures, many pet insurance plans do not cover them. There are, however, pet wellness plans, also known as preventative care plans or routine care plans, that may cover the cost of spaying and neutering.
Pet insurance that includes spaying and neutering as an add-on benefit.
There are a few options for pet insurance wellness plans that cover spaying and neutering procedures.
Here are four insurers, along with information on how their prices and coverages differ.
It should be noted that some of these wellness plans are only available as add-ons to pet insurance policies.
- Spot Pet Insurance
Spot offers two preventative care plans to pet owners, Gold Preventative Care and Platinum Preventative Care.
The Gold plan costs $9.95 per month and covers routine care expenses such as dental cleanings, wellness exams, and deworming, but it does not cover spaying and neutering. Pet parents must select Spot’s Platinum plan for spaying and neutering coverage.
This plan costs $24.95 per month and covers spaying and neutering costs up to $150. When compared to the Gold plan, this plan provides an additional $200 in annual coverage.
- Prudent Pet Insurance
Prudent Pet provides three levels of wellness coverage: low, medium, and high. The low plan is $11.95 per month and does not include spaying or neutering.
The $19.95 per month medium plan reimburses up to $40 for spaying or neutering. Finally, the high plan costs $29.95 per month and provides up to $60 in reimbursement for spaying or neutering.
The low plan includes eight preventive benefits for $210, the medium plan includes nine preventive benefits for $315, and the high plan includes eleven preventive benefits for $460.
- ASPCA Pet Insurance
Spot offers the same preventative care coverage as ASPCA Pet Insurance. Because both companies are part of the Crum & Forster Pet Insurance Group, the policies they provide are very similar.
You can choose between two preventative care plans with the ASPCA. However, in order to receive coverage for spaying and neutering, you must select the Prime Preventative Care plan, as the Basic Preventative Care plan does not cover this surgery.
This plan covers dental cleaning, wellness exams, deworming, flea prevention, blood tests, urinalysis, and other services in addition to spaying or neutering.
- Pet Best Insurance
Pets Best provides wellness coverage in two levels: EssentialWellness and BestWellness. You must choose the BestWellness plan to be reimbursed for spaying and neutering costs, as the Essential Wellness plan does not cover these expenses.
The BestWellness plan is $26 per month and covers up to $150 in spaying or neutering expenses.
Flea and heartworm prevention, vaccinations, wellness exams, blood and fecal tests, microchipping, deworming, and other services are also included in this plan. Each year, you can be reimbursed for $535 in preventative care costs.
How I can find pet insurance that covers spaying and neutering
Pet insurance plans that cover preventative and routine care are uncommon among pet insurers, so compare policies thoroughly before purchasing.
If you find a plan that covers elective or preventative procedures, make sure it includes coverage for spaying and neutering.
Finally, confirm the amount of coverage for a spay or neuter procedure and any complications that may arise.
Is your pet insurance going to cover surgical complications?
While complications with a standard procedure like spaying are uncommon, it’s important to be aware that in rare cases, things like swelling at the incision site, mild bleeding, infection, fluid accumulation, and incision opening can occur.
It’s worth investigating whether your chosen pet insurance provider covers these costs; some do, as long as the surgery doesn’t occur during the policy’s waiting period or before the effective date.
Conclusion on Does pet insurance cover spaying
Pet insurance does not cover the cost of preventative care such as vaccinations, worming, and neutering because these are considered a part of owning a pet.
Pet insurance is intended to pay for unexpected veterinary bills caused by illness or injury.
When purchasing a pet insurance policy, it is critical to carefully read the policy documents to ensure you understand exactly what you are covered for.
Frequently Asked Questions (FAQs)
Here you will find the most suitable answers relating to does pet insurance cover spaying;
- What is the cost of spaying a cat?
While the cost of spaying a cat varies, Cory Smith, spokeswoman for The Humane Society of the United States, said the procedure typically costs $300 to $500 for a female cat and around $200 for a male when performed at a private, full-service veterinary practice.
- How much does it cost to have a dog spayed in the UK?
Spays range in price from around £130 to £365, and castrations range from around £110 to £300.
Spaying is usually more expensive than dog castration because it requires surgery on internal organs. However, if your dog has a retained testicle, the cost may be higher (when the testicle fails to drop down into the scrotum).
- What is the best age for a kitten to be spayed?
When should your cat be fixed? Each pet is unique, and your veterinarian can advise you on when you should have your cat spayed or neutered.
However, they typically recommend spaying or neutering kittens between the ages of five and six months. Adult cats can be spayed or neutered as well.