The 4 Best Pet Insurance For  Spaying and Neutering


New pet parents have plenty of questions on their minds like if there is pet insurance for spaying and neutering surgeries for their furry friend.

The spay/neuter procedure is a cost that comes really early in your pet’s life, and many pet owners aren’t prepared for it.

However, it’s an essential part of your pet’s wellness and health because it helps your pup prevent testicular cancer and prostate issues as well as avoid injury during fights while they’re in heat.

So, in this article, we will be discussing…

  • If pet insurance covers spaying and neutering.
  • The pet insurance companies that do and how it’s done.
  • How pet insurance for spaying and neutering works.

Let’s get into the details about pet insurance for spaying and neutering.

Does Pet Insurance Cover Spaying And Neutering?

Basically, a standard pet insurance policy covers unexpected injuries and illnesses but spaying and neutering do not fall under this category.

This is so because spaying and neutering are actually predictable procedures and processes.

For instance, when you buy a new puppy or kitten you already know that you’ll have to take them in for the procedure if it hasn’t been done from where you adopted them.

However, there’s a way pet providers offer coverage for spaying and neutering through a wellness plan.

Actually, many pet Insurance companies offer wellness plans as an add-on to accident and illness coverage.

Also, check out these 5 Best Pet Insurance Companies For Dogs and Cats.

Best Pet Insurance For Spaying and Neutering

What Are Wellness Plans?

Firstly, wellness plans are different from pet insurance plans. Wellness plans are meant for routine and preventative treatments and procedures while comprehensive pet insurance plans are for covering your pet’s vet bills for accidents and illnesses.

Pet insurance companies differentiate them because pet insurance is for sudden, unexpected, and often costly treatments that your pet requires.

While routine procedures like spaying and neutering are less expensive and are usually not urgent in nature.

What Does A Pet Wellness Plan Cover?

A pet wellness plan which is also known as a routine care plan covers preventive care.

Basically, the items covered can vary depending on the pet insurance company and the plan you purchase.

Here are some of the things that a wellness plan may cover:

  • Heartworm testing
  • Microchipping
  • Nutritional supplements
  • Pet advice chat service
  • Prescription diet food
  • Preventive medications for fleas, ticks, and heartworm
  • Routine checkups
  • Spaying/neutering surgery
  • Titers
  • Urinalysis
  • Vaccinations
  • Blood tests
  • Canine bordetella vaccine/titer
  • Canine DHLPP vaccine/titer
  • Dental cleanings
  • Deworming medication
  • Fecal tests
  • Feline FELV screen/vaccine/titer
  • Grooming

What Does A Pet Wellness Plan Not Cover?

A pet wellness plan does not cover accidents and illnesses, in order for you to cover for that you’ll need an accident and illness plan.

Again, a pet wellness plan might not cover everything listed above, especially when you buy a cheap one.

Because, even for covered items, a wellness plan has a certain dollar limit costs it can cover up to.

However, if you are interested in the coverage for spay and neutering you have to look for a wellness plan that covers it.

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For instance, the Platinum Preventative Care plan offered by Spot Pet Insurance includes $150 of coverage for spaying or neutering.

Also, the plan costs $24.99 per month or just under $300 for the year. It offers a maximum annual benefit of $450.

Above all, be sure to take note of your plan’s limit for this type of surgery because they sometimes don’t cover the full cost.

Now that we know how pet insurance can cover spaying and neutering, let’s find out some of the companies that cover it.

Top Pet Insurance Companies That Covers Spaying And Neutering 

1. Spot Pet Insurance:


Spot pet insurance offers a customizable plan with an annual coverage cap ranging from $2500 to unlimited.

For you to receive coverage for spaying and neutering you must opt for Spot’s most expensive plan, which is the Platinum preventive plan.

This plan will cost you an additional $24.95 per month and has a coverage limit of $450 per year.

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Spot Pet Insurance For Spaying And Neutering Coverage Requirements

You must purchase Spot’s Platinum plan to receive spaying and neutering coverage.

Here are some of the items their plan covers:

  • Dental cleaning or spay/neuter surgery
  • Deworming
  • A wellness exam
  • Distemper, hepatitis, parainfluenza, and parvovirus (DHLPP) vaccine
  • Flea or heartworm prevention
  • Rabies, Lyme disease, or feline infectious peritonitis (FIP) vaccine
  • A blood test
  • Urinalysis
  • A fecal test
  • Heartworm or feline leukemia virus (FELV) test


  • Offers a multi-pet discount of 10%
  • 30 days money back guarantee
  • No upper age limit
  • Its standard plan includes microchipping.
  • Has option for unlimited annual coverage 


  • The waiting period for accidents is 14 days
  • Neutering is only covered in the most expensive plan
  • Doesn’t cover pets under eight weeks old.

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2. Embrace Pet Insurance:


If you’re in need of a cheap pet insurance company we recommend Embrace pet insurance.

They offer many additional ways you can save, such as a 10% discount for each additional pet policy you purchase.

In addition, a 5% military discount and a 10% employee benefits program for employees of companies that offer Embrace pet insurance.

Also, they offer a Healthy Pet Deductible benefit, which credits pet owners with $50 toward their co-payment each year they don’t file a claim.

Embrace Pet Insurance For Spaying And Neutering Coverage Requirements 

To receive spaying and neutering coverage, you must purchase a standard plan plus Embrace’s Optional Wellness Rewards.

Embrace’s Accident-and-illness Plan with Optional Wellness Rewards covers the following items:

  • Microchipping
  • Spay or neuter surgery
  • Teeth cleaning
  • Vaccinations
  • X-rays
  • Vet bills
  • Anal gland expression
  • Treatment fees for cancer, congenital conditions, dental trauma, chronic conditions, genetic conditions, hip dysplasia, and other injuries

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  • 2 days waiting period for an accident
  • Has a 24/7 pet telehealth line.
  • Pays 100% of the spaying and neutering costs up to the annual limit.
  • Reduces your deductible by $50 each year you don’t file a claim.


  • No unlimited benefits
  • Neutering coverage is not available in Rhode Island.

3. ASPCA Pet Health Insurance:


ASPCA is one of the oldest pet insurance companies which has been in existence for the past 15 years with experience.

They are well known due to their partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

The company covers spaying and neutering surgery through its Preventative Prime add-on.

This plan will cost you $24.95 per month for a total of $450 annually with a standard plan.

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ASPCA Pet Health Insurance For Spaying And Neutering Coverage Requirements 

You’ll have to purchase ASPCA’s Preventive Prime add-on to receive spaying and neutering coverage.

The Preventive Prime add-on covers the following items:

  • Dental cleaning or spay/neuter procedure.
  • Heartworm test
  • Blood test
  • Facial test 
  • Bordetella vaccine
  • Deworming
  • Flea or heartworm prevention
  • Rabies or Lyme vaccine
  • Urinalysis
  • DHLPP vaccine
  • A wellness exam


  • No upper age limit 
  • Covered stem cell therapy and microchipping.
  • Offers a multi-pet discount of 10%
  • Includes coverage for Exam fees
  • Offers two wellness care options with different levels of coverage and monthly rates.


Has a 15-day waiting period for accidents.

Limits annual coverage at $10,000, which is lower than many competitors

Has a 15-day waiting period for accidents.

4. FIGO Pet Insurance: 

Most pet insurance companies only provide up to 90% reimbursement but with FIGO pet owners can select up to 100% reimbursement.

In addition, Figo provides a decreasing deductible. Your deductible will drop by $50 each year you go without a claim from Figo until it is $0.

Also, the company offers unlimited annual benefits and a range of useful add-ons, including neutering and spaying.

Figo’s Wellness Powerup add-on covers spaying and neutering surgeries.

This will cost you $40 for the Basic plan and $75 for the Plus plan.

FIGO Pet Insurance For Spaying And Neutering Coverage Requirements 

You must purchase Figo’s Wellness Powerup and its Basic or Plus accident-and-illness coverage plan to receive neutering coverage.

Below are the items that Figo’s Wellness Powerup covers:

  • Microchip or health certificate
  • Spay/neuter or dental cleaning
  • Testing 
  • Vaccines
  • A wellness exam 
  • Deworming


  • No upper age enrollment limit
  • Free 24/7 vet helpline 
  • Offers up to 100% reimbursement
  • One-day waiting period for injuries


  • Doesn’t cover puppies and kittens younger than 8 weeks.
  • Doesn’t cover behavior treatments.

Now, let’s see how pet insurance for spaying and neutering works.

How Does Pet Insurance For Spaying And Neutering Work?

When you purchase a preventive care plan that covers spaying and neutering, it may require that you pay upfront for the surgery.

It’s advisable that you request an invoice from the veterinary clinic.

After that, you have to submit the invoice to the pet insurance company you purchased your pet wellness plan from.

The insurance company will then reimburse you for a portion of the cost depending on the reimbursement level.

In case, you’re not sure how much they’ll reimburse you, check your policy or contact the insurance company.

Although, some insurance companies might pay your vet directly thereby easing the reimbursement procedure.

It’s important to note that they will only pay as much as your plan allows for. As a result, you might still pay something out of your pocket at the time of the service.

That said I know you might be wondering if pet insurance for Spaying and neutering is worth it, continue reading to find out.

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Is Pet Insurance For Spaying And Neutering Worth It?

Buying pet insurance for Spaying and Neutering is very important because It helps to prevent further costs and health issues for your pet,

Also, it helps them avoid any injuries from fights they may experience when in heat as well as testicular cancer and prostate issues.

So, if you’re planning on getting pet insurance, it is advisable you get a wellness plan that covers spaying and neutering.

Spaying and neutering surgeries are usually a one-time expense that can amount to thousands of dollars, depending on your dog’s breed and service provider.

Most pet wellness plans that cover spaying and neutering cost around $25 per month, or $300 a year and they also reimburse up to $150 for the surgery.

Furthermore, after your pet has undergone the surgery, if they have any complications a pet insurance plan with illness coverage will come in handy for follow-up care.

Why Do Most Pet Insurance Policies Not Cover Spaying And Neutering?

Most pet insurance providers do not cover Spaying and Neutering because it’s considered an elective procedure.

Nevertheless, many insurance providers have add-on preventive care wellness plans that cover such.

Typically, these add-ons cover things like vaccinations, flea and tick prevention, wellness exams, and similar services.

In case you don’t know the things these add-ons cover you can scroll up to read them.

Summary Pet Insurance Companies That Cover Spaying And Neutering With Add-on Coverage 

  • Spot: Most customizable Plan
  • Embrace: Best for saving
  • ASPCA: Most experienced 
  • FIGO: Best in flexible reimbursement rates


Although most comprehensive pet plans do not cover spaying and neutering, there is the option of taking out a wellness plan which partially reimburses you for routine procedures.

For instance, Spot Pet Insurance offers customizable preventive plans with neutering coverage through its Premium plan.

In addition, ASPCA is a highly experienced option that supplies well-rounded pet insurance plans with add-on coverage for neutering.

Also, Figo’s Wellness Powerup add-on covers spaying and neutering surgeries.

We advise that you get quotes from three different pet insurance providers to compare policies and prices that suit you.

Frequently Asked Questions

Can I Get A Stand Alone Pet Wellness Plan?

Generally, you can’t get only a wellness plan because pet insurance companies offer wellness plans as an add-on when you buy accident and illness insurance plans.

This is what you’ll find in companies like Spot, ASPCA, FIGO, and Embrace, for instance.

Does Wellness Plan Cover Spay and Neuter?

Yes. The type of procedures that wellness or routine plan cover includes spaying and neutering, dental care, vaccinations, physical exams, microchipping, and deworming.

Don’t forget that the type of treatment and procedure your pet receives depends on your insurer and the wellness plan you choose.

Does Pet Insurance For Spaying And Neutering Have Any Waiting Period?

Have in mind that your dog or cat doesn’t need spaying or neutering after they are about 6 months old.

However, the average waiting period for a pet insurance provider is 14 days, so you’d be past this period by the time they require coverage.

Is Spaying And Neutering Covered As A Pre-existing Condition?

Spaying and Neutering do not fall under the classification of pre-existing conditions

However, many pet insurance providers consider spaying and neutering an elective procedure thus you have to pay extra for coverage.

Does Pet Insurance Cover Spaying And Neutering?

No, most pet insurance providers do not cover Spaying and Neutering because it’s considered a predictive procedure.

However, there’s a way pet providers offer coverage for spaying and neutering through a wellness plan.

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