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Does Pet Insurance Cover Neutering?

2 Mins read

For those of us with animals, just as with our children, we strive for them to be healthy. Having insurance is the optimal way to ensure one’s pet’s safety and health. But what does pet insurance cover? Just like human insurance, pet insurance has many different options – ranging from $33 to $92 a month. As with other kinds of insurance, paying a higher premium provides increased coverage and care. In general, people are not going to be buying the most expensive plan; many will have the most affordable option or a plan somewhere in the middle. This brings us back to our main question: does pet insurance cover neutering?

           The short answer is no, pet insurance does not cover neutering or spaying. As they say, the devil is in the details, and one should always read the fine print of coverage before a decision is made to understand the minutia of the service. Pet insurance covers unexpected medical costs that may arise when owning a pet, which would include broken bones, cancer, allergies, etc. Vaccinations, spaying/neutering, and microchipping are not covered by insurance for pets. Perhaps a more familiar analogy would be to consider house insurance: new paint, furniture, or landscaping would not be covered while fire damage, flooding, or fallen trees would be covered by insurance. 

           Alternatively, most pet insurance providers also sell a service called a wellness plan, which reimburses pet owners of medical costs, according to levels of the benefit plan. Examples of procedures covered include a physical exam, vaccinations, spaying/neutering, among other things. There exist ways to take advantage of a wellness plan; if one knows their pet will use a multitude of the covered procedures if the price charged by one’s veterinarian matches what will be reimbursed, and being diligent to not go over the maximum payout limit will extrude the most value from a plan. While it may seem like a great idea to take advantage of a pet wellness plan, it may not provide much value for some pet owners. For example, procedures that are not performed routinely, like spaying/neutering, are only performed a singular time, thus there may not be enough reason to justify paying for a wellness plan if a pet is not expected to have an ample amount of expected medical costs.

           To answer whether a wellness plan is right for one’s pet, it depends on circumstance and expected potential medical costs. If you have a younger pet, who needs a lot of attention early on to make sure they are on a healthy path, you may want to start with a wellness plan. When a pet gets older, you may want to go with the insurance route as more serious health concerns can pop up. Having pet insurance can help alleviate any concern of being able to provide treatment, and health, for a pet, but does not cover many of the expected costs that come with being a pet owner. 

Also Read: How Much Do You Know About Pet Insurance?

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