Does pet insurance cover spaying or neutering?

No. Many pet insurance policies do not cover the cost of spaying or neutering procedures as these procedures are considered preventative care and elective procedures. Many pet insurance policies offer routine or preventive care benefits through a wellness policy add-on for an additional monthly premium.

Your veterinarian may deem spaying or neutering medically necessary at times which may allow the cost of spaying or neutering your pet to be eligible for coverage. It’s important to review your pet insurance policy for the exact details on coverage.