Best Pet Insurance That Covers Neutering – MarketWatchBest Pet Insurance That Covers Neutering – MarketWatch

In this article: Top Pet Insurance Companies | Is It Worth It? | Neutering and Waiting Periods | Neutering and Preexisting Conditions | The Bottom Line | Other Resources | FAQs | Methodology  

Neutering is an essential part of your pet’s wellness plus health. Not only does it help your pet avoid injury during fights while they’re in heat, but it also helps prevent testicular cancer and prostate issues.

Dog insurance providers don’t typically include this crucial procedure inside their general coverage, but you can find coverage for neutering as an add-on. We at the Home Media reviews team have researched the best pet insurance companies available, analyzing their policies and customer service reviews in addition to surveying 1, 000 pet parents about their experiences. This guide narrows down our findings to the greatest pet insurance coverage companies that cover neutering.

Top Pet Insurance Companies That Cover Neutering

We compared each company on factors such as monthly pricing, industry reputation and covered treatments to determine which ones to recommend to readers. Below are our top recommendations for pet insurance companies that will cover neutering and spaying:

Lemonade Pet Insurance coverage

Lemonade provides affordable dog insurance policies ideal for pet parents looking to spend less. The organization also makes the dog insurance process user-friendly, offering an impressive mobile app to manage your own pet’s health, file claims, and keep track of your policy protection and billing. Lemonade offers spaying and neutering insurance coverage through its preventive care add-ons.

Pros and Cons of Lemonade Pet Insurance policy

+ Has a two-day waiting period, which is shorter than many competitors 

+ Provides discounts when you pay in full

+ Offers a 10% discount whenever you bundle your pet insurance with Lemonade’s home or renters insurance

Excludes 15 states in the coverage*

Requires complete records from a recent veterinary exam for your family pet to qualify for insurance

*Unavailable in Alaska, Delaware, Florida, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, Minnesota, South Dakota, Vermont, West Virginia and Wyoming

Lemonade Neutering Coverage Requirements

Your pet must be under 2 years old to receive neutering coverage from Lemonade. You must also opt into the company’s more expensive preventive care plan, which costs $40 to $50 per month for dogs plus $30 in order to $40 per month with regard to cats.

Lemonade’s Preventative+ Package covers the following items:

  • A blood test
  • A heartworm or feline leukemia virus (FeLV) test
  • The fecal or even internal parasite test
  • Microchip implantation
  • Six vaccines
  • Spay or neuter surgery
  • Two wellness exams

Lemonade doesn’t cover pets over 14 years old.

To learn more: Lemonade Pet Insurance plan review

Spot Family pet Insurance

Spot Pet Insurance offers customizable plans with coverage caps ranging from $2, 500 to unlimited. You must opt for Spot’s most expensive plan, the Platinum preventive strategy, to get protection for neutering and spaying. This plan costs an additional $24. 95 for each month and has a coverage limit of $450 per year.

Pros and Cons associated with Spot Dog Insurance

+ No age limit 

+ Unlimited annual insurance coverage option

+ 30-day money-back guarantee

Neutering only covered in most expensive program

No customer support on weekends

14-day waiting period

Spot Pet Insurance Neutering Protection Requirements

You must purchase Spot’s Platinum plan to receive neutering insurance. This strategy covers the particular following items:  

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

Preexisting conditions your dog has before the 14-day waiting time period, anal gland expression, aesthetic or cosmetic procedures, elective procedures, boarding, breeding, pregnancy, whelping (birthing regarding dogs), herbal products plus organ transplants are not protected under this particular plan.

To learn more: Spot Family pet Insurance review

ASPCA Pet Health Insurance coverage

ASPCA Pet Health Insurance has more than 15 years of experience. It’s one of the most well-known providers in the family pet insurance industry due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

Crum and Forster Pet Insurance policy Group, which usually has a good A+ rating * and accreditation from the particular Better Business Bureau (BBB), services ASPCA’s policies. The company covers neutering surgical treatment through its Preventative Prime add-on, which costs $24. 95 each month for a total associated with $450 annually with a standard plan.

*BBB ratings are accurate as of September 2022.

Pros and Cons of ASPCA Dog Health Insurance

+ Includes ​microchipping in all programs

+ Provides two wellness treatment options along with different levels of coverage and monthly rates

+ Offers an online comparison tool intended for comparing competitor plans plus prices

Offers a 14-day waiting period

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

ASPCA Pet Wellness Insurance Neutering Coverage Requirements

You must purchase ASPCA’s Preventative Prime add-on to receive neutering coverage.

ASPCA’s Preventative Prime add-on covers these items:  

  • The blood check
  • A fecal test
  • A heartworm test
  • A wellness certificate
  • The wellness exam
  • Bordetella shot
  • Dental cleaning or spay/neuter procedure
  • Deworming
  • DHLPP vaccine
  • Flea or even heartworm avoidance
  • Rabies or Lyme shot
  • Urinalysis

Preexisting problems your pet has prior to the end of the 14-day waiting around period, boarding, breeding, anal gland expression, cosmetic or even elective methods, funeral services, grooming, organ transplants and herbal medications are not covered under this plan.

To find out more: ASPCA Furry friend Health Insurance plan review


We suggest Embrace to get pet parents in need of cheap pet insurance . The particular provider offers many additional savings, such as the 10% discount for each extra pet policy you purchase, a 5% military discount plus a 10% employee benefits program pertaining to employees associated with companies that offer Embrace furry friend insurance. Embrace also provides the Healthy Pet Deductible benefit, which usually credits dog owners with $50 toward your co-payment each year you do not file the claim.  

Embrace’s Optional Wellness Rewards coverage includes spay or neuter surgical procedure for an additional $18 in order to $53 per month. You can add $250, $450 or $650 of yearly coverage limits for preventive care expenses.

Pros and Cons of Embrace Family pet Insurance

+ Offers accessible customer support through online live chat

+ Pays 100% of the neutering costs up to the particular annual limit, rather than just paying per-treatment limits like other providers

+ Reduces your own deductible by $50 each year you don’t file a claim

Excludes supplements plus prescription food from protection

Neutering coverage is not available in Rhode Island

Take hold of Pet Insurance Neutering Insurance coverage Requirements

You need to purchase a standard plan plus Embrace’s Optionally available Wellness Benefits Coverage to receive neutering coverage.

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

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

Preexisting circumstances your family pet has just before the policy’s coverage start date, magnet therapy and massaging, boarding costs, orthopedic conditions during the first six months of the policy, body organ transplants plus costs associated with mating, whelping and pregnancy are usually not protected under this plan.

To understand more: Accept Pet Insurance coverage review

Prudent Pet Insurance

Prudent Animal offers 2 standard plans plus a comprehensive program with limitless annual insurance coverage for vet bills plus reimbursements designed for a few items numerous competitors don’t offer, this kind of as lost pet advertising and vacation cancellation fees. These features make Prudent Pet Insurance policy an excellent choice just for extra protection.  

The company offers insurance for spay and neuter surgeries through its High Wellness coverage add-on. This add-on reimburses you up to $60 towards your spaying or neutering procedure.

Benefits and drawbacks of Wise Pet Insurance plan

+ Doesn’t have any breed restrictions

+ Includes a 30-day money-back guarantee

+ Offers a 24/7 live vet chat

Has higher plan prices than several competitors, especially for high-risk breeds

Restricts protection caps for every plan type with no option to adjust annual limitations

Prudent Dog Insurance Neutering Coverage Needs

A person must opt for the Medium or High Wellness add-on to get neutering insurance coverage. The Medium add-on consists of $40 toward spay or even neuter surgeries, while the particular High accessory provides $60.

Prudent’s Moderate or Higher Wellness add-ons cover the following products:

  • A fecal examination
  • A health certificate
  • Bordetella or Lyme disease vaccine
  • Dental cleaning or spay/neuter surgery
  • Deworming
  • Distemper, hepatitis, parainfluenza and parvovirus (DHLPP) vaccine
  • Microchipping
  • Rabies shot
  • Two wellbeing exams 
  • Wellbeing blood screen

Preexisting conditions, reproduction, pregnancy, whelping, holistic therapies not administered or prescribed by the vet, experimental treatments, organ transplants plus elective procedures are not covered under this particular plan.

For more information: Prudent Family pet Insurance evaluation

Figo Pet Insurance

Most pet insurance providers limit the particular reimbursement amount of vet expenses, but Figo allows a person to choose 100% reimbursement. The business also offers unlimited annual advantages and a range of useful add-ons, including neutering and spaying. Figo’s Wellness Powerup add-on addresses spay or neuter surgical procedures.

Pros plus Cons associated with Figo Pet Insurance

+ Doesn’t possess an upper age limit 

+ Includes only an one-day waiting period 

+ Provides the option of totally reimbursement on treatments, which includes neutering

Doesn’t cover puppies and kittens younger compared to 8 weeks

Does not cover behavioral treatments

Figo Pet Insurance coverage Neutering Insurance Specifications

You have to opt for Figo’s Wellness Powerup in addition to the Basic or even Plus accident-and-illness coverage plan to receive neutering coverage. Spay or neutering surgery insurance costs an extra $40 for that Basic plan and $75 for the particular Plus strategy.  

Figo’s Wellness Powerup covers the following items:  

  • A health and fitness exam 
  • Deworming
  • Microchip or health certification
  • Spay/neuter or even dental cleaning 
  • Testing 
  • Vaccines

Preexisting conditions, fresh procedures, breeding, pregnancy, giving birth, cloned pets, cloning processes and cosmetic surgery are not protected under this plan of action.

Pets Best Canine Insurance

Pets Best is a trusted name in animal insurance, along with an A+ rating from the BBB and more than fifteen years in the industry. Its policies are highly customizable, with many options including neutering coverage under its EssentialWellness and BestWellness add-ons. Pets Best is furthermore an excellent choice for dog parents of senior animals, as the firm has no upper age restrict.

Advantages and disadvantages associated with Pets Greatest Pet Insurance policy

+ Doesn’t have a good upper age group limit

+ Provides a 24/7 Dog Helpline with veterinary experts

+ Charges just $16 in order to $26 extra per month for neutering, with tons of extra coverage 

Processes claims in an average of 30 days

Offers only $5, 500 or limitless coverage caps

Requires domestic pets to be more than 7 weeks old for protection

Pets Best Pet Insurance plan Neutering Coverage Requirements

You have to choose Pets Best’s EssentialWellness or BestWellness to receive neutering coverage. This particular costs an extra $16 to $26 per 30 days.

Pets Best’s add-ons protect the following products with its common accident-and-illness program:

  • The blood, waste and parasite exam
  • A wellness examination
  • Deworming
  • Flea/tick prevention
  • Heartworm avoidance
  • Heartworm test or FELV display
  • Microchip
  • Rabies
  • Spay/neuter or even teeth cleansing
  • Urinalysis or ERD
  • Vaccination/titer

Preexisting conditions, anal gland manifestation and removal, tail docking, ear cropping, nail trimming, feline declawing, dewclaw elimination, treatment plus prevention associated with parasites, and herbal, holistic, and trial and error therapies plus medications are not covered under this plan.

Will be Pet Insurance for Neutering Worth It?

Neutering is more necessary than you might think. It helps to prevent further costs and health issues for the pet, such as testicular cancer plus prostate issues. It also helps them prevent any injuries from fights they may experience when in heat.  

Neutering costs around fifty dollars to $300. * Opting for a pet insurance plan that covers neutering can drastically reduce this price.

*Cost figured calculated from various 2021 reports.

Does Neutering Have Any Waiting around Periods?

Your dog or even cat doesn’t need spaying or neutering until they’re at least 6 months aged. The average waiting time period for a pet insurance provider is 14 days, so you’d be past this period by the time they require insurance coverage.

Is Neutering Covered as a Preexisting Condition?

Neutering is not classified because a preexisting condition . However, a lot of pet insurance firms consider neutering an elective procedure, so you typically have to pay additional for insurance.

The results: Should I Purchase Pet Insurance coverage for Neutering?

Although neutering isn’t a required surgery, it’s becoming increasingly popular among dog parents. All of us recommend considering an animal insurance policy provider that offers neutering coverage if a person have a new puppy or kitten.  

Lemonade offers the well-rounded and affordable pet insurance policy. The company contains extensive protection for spaying and neutering in the Preventative Care add-ons for the purpose of pets below two years aged. Place Pet Insurance policy offers customizable preventative plans along with neutering insurance coverage through its Premium plan. ASPCA will be also a highly experienced option that supplies well-rounded family pet insurance programs with add-on coverage for neutering.  

We encourage you to get quotes through three pet insurance companies in order to compare guidelines and pricing. Use our tool below to quickly get free quotes from top companies.

Some other Pet Insurance plan Resources

Explore some of our own other dog insurance resources below:

Frequently Asked Questions About Neutering

Methodology: Our System for Ranking the Greatest Pet Insurance Companies

Our review of pet insurance companies is based on in-depth business research that includes reading hundreds of customer evaluations, simulating the particular quote plus purchasing procedure, speaking to representatives on the phone to assess the customer care experience and surveying one, 000 dog and cat owners nationwide to determine the most important elements associated with pet insurance plan coverage.

We have scored every provider on a 100-point scale based upon those elements. We all then divided the points earned for each provider’s final score on a 5-point level.

Here are a lot more details about each factor and how they’re weighted:

  • Monthly pricing (25 points): How much each company charges for its family pet insurance plans is a good important a part of a customer’s decision. The best pet insurance providers combine comprehensive coverage plus plan options with affordable rates.
  • Plans (15 points): The top pet insurance firms offer accident and illness plans, accident-only plans and wellness or even preventive care add-ons to give customers the option to select a plan that’s best for their pet.
  • Covered treatments (15 points): With this element, we scored companies based on the treatments plus procedures these people cover. Businesses with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options (10 points): Customizing your policy is a valuable way to ensure you only pay with regard to what your own pet needs. Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
  • Customer care (10 points): We obtained companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees plus veterinarian telehealth options, awarding points towards the insurers with increased customer encounter offerings.
  • Industry reputation (10 points): To figure out each company’s industry status, we reviewed up-to-date ratings and certification information through the Bbb (BBB) and scored companies on their own years of experience in the market plus their state availability.
  • Waiting periods (10 points): Companies along with shorter incident, illness and orthopedic waiting periods between the sign-up and insurance start date scored higher than companies with longer waiting around periods.
  • Eligible age (5 points): Some businesses don’t offer policies regarding pets that are over the certain age. We deducted points from providers that will have age group limits intended for covered pets.

We use the rating system to compare and contrast each corporation against key factors to help us determine the best pet insurance companies in the particular industry. Additionally , we keep our research up in order to date plus revisit our reviews on a regular basis.

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