Spaying and Neutering: Pet Insurance Cover?

Caring for a new pet can be challenging to navigate. Spaying, neutering, fixing… the vocabulary can be confusing on its own. Chances are, a vet has recommended this procedure for your pet. It is often regarded as an essential component of preventative care for your pet, and may even improve their (and your) quality of life. 

Why do pet owners spay/ neuter their pets?

Most of the time, people have their pets “fixed” to prevent unwanted reproduction. Other than this, pets may be spayed or neutered to prevent certain behaviors or potential health issues like breast or testicular cancers. 

When is the best time to have my pet spayed or neutered?

This can vary depending on your pet’s breed, size, or the discretion of their vet. While pets of all ages can generally have the procedure done, their health can affect whether or not it is a good idea. Dogs can usually be spayed and neutered when they are between six and nine months old, and eight weeks to 5 months is considered the best time for a cat to have the procedure. 

What exactly does it mean to have my pet spayed or neutered?

Female pets have their ovaries and/or uterus removed, while males’ testes are removed. This is a routine surgical procedure that is considered safe and low risk for most pets. 

Will it be covered?

The procedure can fall under both elective and preventative care, so it usually is not covered by insurance, but this can change depending on your insurance provider and pet’s unique medical situation. 

If the pet’s insurance is a medical or accident only plan, it’s unlikely to cover spaying and neutering. Wellness insurance plans are much more likely to cover the procedure. 

Will insurance cover surgical complications?

Most of the time, surgical complications are covered by pet insurance unless the complication is a result of a pre-existing condition. Common postoperative issues to look out for are inflammation, swelling at the incision site, infection, bleeding, hemorrhaging, and opening of the incision. 


Generally, it is a good idea to spay and neuter your pet. Each pet, veterinarian, and insurance plan is different, though, so be sure to take your circumstances into account before opting for the procedure. Remember that payment plans, wellness programs, and low-cost clinics are options, and keep an open mind as you move forward.