January 16, 2024

Pet Insurance That Covers Neutering

6 Pet Insurance Companies That Cover Neutering

Most pet insurance companies in the U.S. do not cover neuter surgery in their policies. However, they do have supplementary wellness plans that include neutering and spaying at an extra cost.

Here are some pet insurance companies that cover neutering:

Have you encountered difficulties finding pet insurance that covers neutering?

Lemonade: For Young Pets

Lemonade is one of the highest-rated and more affordable pet insurance providers in the U.S. They offer low-cost plans for puppies and kittens, perfect for new fur parents out there.

Est. Price Range	$10-$80/month, plus $40-$50/month for preventive care add-on
Annual Limit	$5,000, $10,000, $20,000, $50,000, or $100,000
Deductibles	$100, $250, or $500
Reimbursement	70%, 80%, or 90%

They have a Puppy/Kitten Preventative Package, which is a wellness care add-on for $40-$50/month. It comes with a maximum annual benefit of $120/year for neutering procedures. Keep in mind that is only applicable to puppies or kittens under 2 years old.

The standard plan they offer is accident and illness coverage that is comprised of three main categories: diagnostics, procedures, and medications. These include:^[1]

Blood tests
CT scans
Emergency care
Hospitalization and surgery
Injections
Prescription meds and more

Their base policy starts at $10/month and can go up to over $80/month depending how you customize your pet's plan.

Ultimately, Lemonade is the best option for those who have puppies or kittens and are looking for an affordable pet insurance plan!

How much does a neutering procedure cost without insurance?
The average price range of neutering procedures in the U.S. starts at around $50 and can go up to $500. The final cost depends on two things: your vet and the condition of your animal. Some vet clinics are more expensive than others while some pets require further testing and medical attention.

PetsBest: For Concise Policies

PetsBest serves as a good choice for those who want a comprehensive pet insurance plan. They are good at itemizing important information as seen in their straightforward policies.

Est. Price Range	$20-$60/month, plus $26/month for a wellness package
Annual Limit	$2,500, $5,000, $10,000, or Unlimited
Deductibles	$50-$1,000
Reimbursement	70%, 80%, or 90%

While their core insurance plan does not cover preventive care, they offer the BestWellness add-on, which pays up to $150 for neuter/spay. This supplementary package also covers microchipping, vaccinations, etc for an extra $26/month.

They have an accident and illnesses plan that includes the following:^[2]

Poisoning
Broken Bones
Chronic Conditions
Cancer
Hereditary Conditions
Congenital Conditions
Emergency Care
Lab Works
Prescription Medication

The average price for this ranges from around $20-$60/month, depending on your pet. You can also further customize it by choosing an optional wellness plan to complement your policy.

If you're on the hunt for a thorough pet insurance plan, PetsBest is a good one to consider!

ASPCA Pet Health Insurance: For Aging Pets

ASPCA Pet Health Insurance is one of the most trusted pet insurance providers in the U.S. They were established in 2006 and are in partnership with the American Society for the Prevention of Cruelty to Animals.

Est. Price Range	$25-$80/month, plus $24.95/month for the preventive care add-on
Annual Limit	$2,500, $3,000, $4,000, $5,000, $7,000, or $10,000
Deductibles	$100, $250, or $500
Reimbursement	70%, 80%, or 90%

For routine care coverage, you would need to get their Prime Preventive Care add-on at $24.95/month. It includes a maximum annual benefit of $150 for neutering and dental cleaning.

Meanwhile, their most popular plan is the Complete Coverage, which includes the following:^[3]

Accidents
Illnesses
Dental Disease
Hereditary Conditions
Behavioral Issues
Alternative Therapies

This plan is available for around $25-$80/month depending on the condition of your pet and how you customize your plan.

The best thing about ASPCA Pet Health Insurance is that they do not have an upper age limit for their policies. All senior dogs and cats are eligible for enrollment, lessening the financial burden on those with aging pets.

Embrace Pet Insurance: For Reimbursement

Embrace Pet Insurance covers a wide range of conditions in their plans. They are one of the few companies that include diagnostic testing and specialist care fees in each policy they offer.

Est. Price Range	$30-$70/month, plus $20-$50/month for the wellness care add-on
Annual Limit	$5,000, $8,000, $10,000, $15,000, or Unlimited
Deductibles	$100, $250, $500, $750, or $1,000
Reimbursement	70%, 80%, or 90%

While neutering is not a part of their base policy, you can get their Wellness Rewards add-on for preventive care coverage at an extra $20-$50/month.

The maximum reimbursement limits are set at $250/year, $450/year, and $650/year.^[4] So if you want to neuter your pet, you can get it fully reimbursed as long as the cost is within your chosen cap.

Their core policy, on the other hand, covers the following:^[5]

Cancer treatment
Congenital conditions
Dental trauma
Genetic conditions
Chronic conditions
Prescription drug coverage
Hospitalization and surgery
Lab tests and biopsies
ER care and so much more

The average cost of their base plans ranges from around $30-$70/month, which is on the affordable side if you consider how extensive the inclusions are.

They even have 5% military discount for active and former members of the U.S. Air Force, Army, Marines, Navy, or Coast Guard.^[6]

Embrace Pet Insurance has one of the most comprehensive pet insurance policies at a low cost, making them ideal for those on a budget but who want to get the most out of their premiums.

Embrace Pet Insurance does not offer their accidents and illnesses plan to new enrollees over 14 years old. However, they are eligible for their accidents-only package.

Spot Pet Insurance: For Customization

Spot Pet Insurance offers several flexible plans and additional coverage for cats and dogs of all breeds. They have two main kinds of insurance policies: accidents-only, and accidents and illnesses.

Est. Price Range	$30-$70/month, plus $24.95/month for extra preventive care plan
Annual Limit	$2,500, $5,000, $10,000, or Unlimited
Deductibles	$100, $250, $500, $750, or $1,000
Reimbursement	70%, 80%, or 90%

If you want wellness care services to be included, you have to get their optional Platinum Preventive Care plan for $24.95/month (on top of your chosen policy). This allows you to reimburse up to $150 on spaying/neutering.

Their standard accident and illness plan covers the following:^[7]

Hereditary and breed specific conditions
Exam and diagnostic fees
Lab tests, x-rays, etc.
Hospitalization and surgeries
Medications & therapeutic diet
Physical & rehabilitative therapies
Alternative treatments

Pet owners can get all these for an average price of around $30-$70/month. While this may seem a bit pricey, Spot gives you several plan options to choose from, so you have the ability to custom pick the policy that suits your situation best.

On top of all that, Spot is one of the few known pet insurance companies out there that is available in all 50 states, making them easily accessible.

What typically falls under wellness or preventive care?
Wellness or preventive care focuses on procedures that are geared toward maintaining your pet's good health. This includes spay/neuter surgeries, vaccinations, routine checkups, and more. You can usually get this alongside your pet insurance policy for an additional cost.

Prudent Pet: For Price Range

Prudent Pet is one of the most well-reviewed pet insurance companies in the U.S. They offer three kinds of plans: Accident Only, Essential, and Ultimate, which differ in coverage and annual benefit amount.

Est. Price Range	$30-$90/month, plus $30/month for wellness coverage
Annual Limit	$10,000 or Unlimited
Deductibles	$100, $250, $500, or $1,000
Reimbursement	70%, 80%, or 90%

In addition, they have a wellness care add-on for $30/month that includes routine procedures, vaccines, deworming, and more. It also covers neutering/spaying surgery up to $60.

Their most popular policy is the Essential, which is an accident and illnesses plan that includes the following:^[8]

Emergencies and hospitalization
Hereditary conditions
Hip dysplasia
Radiology and diagnostic tests
Cancer treatments
Broken bones and bite wounds
Urinary infections
Behavioral disorders and a lot more

Their plans come at a higher cost because of their extensive coverage, great customer service, and easy claims process. The average price range of their Essential policy starts at around $30/month and can go up to $90/month (before the add-ons).

So, if budget isn't really an issue for you and you want a wide-ranging premium for your pet, you should definitely check out Prudent Pet!

Why You Should Neuter Your Pet

Neutering brings a lot of benefits. Your pet's life could drastically improve when you neuter them. Here's how:

Lowers chances of testicular cancer and prostate disease
Minimizes aggressive behavior around other pets and people
Helps with population control by preventing unwanted litter
Reduces the occurrence of birth defects
Prevents potentially expensive medical bills in the future

If you think the benefits can help improve your pet's life in the long run, read on. Learn how pet insurance works and how it covers neutering procedures.

How Does Pet Insurance Work?

Pet insurance follows a reimbursement system. The way it works is, when your pet has a medical emergency, you must first pay the vet directly. Then, you will file a claim to your insurer and they will reimburse you for a part of the cost.

The total reimbursement amount will depend on the details of your policy.

You will also encounter some terms in your policies and quotations. Below are some terms you need to take note of.

Annual Limit
This refers to the maximum amount that you can be reimbursed for during your policy year.
Reimbursement Level
This indicates the percentage of how much your pet insurance company will cover.
Deductible
This is the amount you have to pay before you get reimbursed.

Ultimately, pet insurance and neutering are good preventive measures. By paying a smaller amount for neutering, you will alleviate sudden financial and health burdens.

Is Pet Insurance Worth Spending Money On?

The answer to this question depends on the situation you're in.

Pet insurance is not the cheapest. It is just an added factor to your household expenses that won't benefit you directly. However, during emergency situations, pet insurance could help you cover some of the cost rather than having to pay the full amount.

Pet insurance also isn't limited to just injuries and illnesses. Most companies offer wellness care plans at an additional cost. Therefore, you can use it for routine procedures to maintain your pet's health.

If you are financially stable, getting pet insurance would be beneficial in the long run.

How To Choose A Pet Insurance Company

Finding the best pet insurance for your dog/cat may be difficult and overwhelming. Thus, here are some factors you should consider before making a decision:

Age Limits
The age limits set by pet insurance companies is one of the most important things you need to consider. Some of them don't accept animals under or over a certain age. It would be better to find a company that has no upper age limits at all.

Accessibility
While there are numerous pet insurance providers in the U.S., some of them are not licensed to sell in all 50 states. There are certain places they don't cover, which can be rather inconvenient.

It is best to choose a company that is available across all or the majority of the states.

Claims Process
Before choosing a pet insurance company, you must first find out what kind of claims process they have. This is a crucial factor as some providers have long processes that take forever to move forward.

Try to pick one that has an efficient and smooth-running system for your peace of mind!

Vet Networks
Majority of pet insurance companies in the U.S. aren't limited to vet networks. This means that, if you have pet insurance, you can go to any licensed vet clinic you want.

But, there are a few out there that require a certain network of vets, so keep an eye out for that!

Coverage
The scope and limitations of a plan is something pet owners must consider seriously. Each company has policies that include different things. They even come at varying price points, annual limits, reimbursement levels, and the like.

Understanding the coverage of their plans will help you decide which one suits your situation best.

How important to you is coverage for neutering/spaying in choosing a particular pet insurance plan?

Bottom Line

Usually, neutering and other preventive care procedures are only covered by supplementary plans. These are elective add-ons meant to complement your base policy and they come at an extra cost, increasing your monthly/annual premium.

While it may be pricey, it will prove to be worth it in the long run for our pets.