Is Spaying And Neutering Covered By Pet Insurance? What You Should Know!

The truth is that most pet insurance companies will not cover spay or neuter surgery because it falls under the category of elective surgery, regardless of how necessary it is. Some pet insurance companies, however, offer wellness plan add-ons that cover things like preventative care and may reimburse spay or neuter costs.

Obtaining Pet Insurance That Covers Spaying and Neutering

Pet insurance plans that cover routine care are relatively uncommon, but an increasing number of companies are beginning to offer additional wellness coverage at a higher cost. If you want to find a company that will cover spaying and neutering, you must first narrow down companies that offer additional wellness plans and carefully compare policies before making a decision.
Just because a company has a wellness plan does not mean they will pay for a spay or neuter. You must thoroughly review the policy to ensure that it covers elective or preventative procedures.

Some companies, such as ASPCA Pet Insurance, offer different levels of wellness plans, such as a Basic Preventative Plan and a Prime Preventative Plan. The Prime Preventative Plan covers spaying and neutering, whereas the Basic Preventative Plan does not. This type of coverage is also available from Figo and AKC pet insurance companies.
These companies are constantly evolving to better suit the market, so it’s best to check with each one and filter them out based on your personal preferences and needs.
Spaying and neutering is an important part of pet care, but it isn’t the only health expense your pet will face. A personalized pet insurance plan from a company like Lemonade can help you manage costs while also caring for your pet.

The Advantages of Spaying and Neutering

Many pet owners choose to spay or neuter their pets for a variety of reasons. In addition to reducing pet overpopulation, having your animals altered has numerous medical and behavioral benefits.
As a result of all of this, there is a good chance that you will have your pet spayed or neutered as well. It is then critical to select the best pet insurance company with a plan that includes these procedures. Here are some of the top-rated pet insurance companies on the market to consider when making your decision:

Overpopulation of Pets

Millions of cats and dogs are euthanized each year in animal shelters across the United States because there are more pets than responsible owners who can properly house and care for them. Irresponsible pet ownership has resulted in these devastating statistics, and there appears to be no end in sight to this ongoing crisis.
Encouraging pet owners to spay and neuter their cats and dogs is one way to help reduce unwanted litters and keep animals out of shelters. Spaying and neutering are included in shelter and rescue adoptions to help offset the problem.

Female Health Medical Advantages

Spaying not only prevents heat cycles, but it can also have significant health benefits by reducing the likelihood of uterine infections and breast tumors in both dogs and cats, which are malignant in 45 percent of dogs and 90 percent of cats. Spaying before the first heat will provide the best protection against these diseases.
Female Personality
The heat cycle and some behavioral issues associated with being intact will also be eliminated by the spay surgery. Both female dogs and cats will go through estrus cycles, which can cause mood and overall behavior changes that can be very frustrating for owners. Spaying a female eliminates these behaviors as well as the cycle, making them more desirable companions.

Male Wellness

Neutering male dogs and cats helps to prevent testicular cancer and other prostate-related health problems. They are also less likely to roam in search of a female, which could lead to accidents or other injuries.

Male Personality

When left unaltered, both male dogs and male cats will exhibit undesirable behavior. Not only will they be less likely to flee the house in search of a mate, but it may also significantly reduce or even eliminate urine marking. It can also reduce aggressive behavior and mounting of people, pets, and inanimate objects.

Is Getting a Wellness Plan to Cover Spay or Neuter Services Worth It?

It is entirely up to you whether you obtain a pet insurance policy that covers spaying or neutering. When deciding on the best policy, consider your budget and your needs. If you adopt a new pet from a shelter or rescue organization, the spay or neuter will be included in the adoption fee.
If you get your animal from a reputable breeder or another source, keep in mind that this is a one-time surgery that may not warrant an additional wellness package unless the wellness package will be beneficial to you and your pet for the other services it provides.

Spaying and Neutering Costs

The overall cost of spaying and neutering surgeries is determined by a variety of factors, including your geographic location, the type of pet you have, their weight, and the clinic you visit. These procedures can cost anywhere from $40 to $600 or more, depending on the factors.
Don’t be put off by the maximum price; while veterinarians do offer these services at varying costs, there are numerous non-profit organizations and state-run services that will offer spaying and neutering at reduced or even no cost. These organizations are focusing on ending the overpopulation crisis and have licensed veterinarians on hand to help.
If you’re concerned about costs, look around your neighborhood for organizations that can help you out. When it comes to pet overpopulation, we must all work together to solve the problem.

Conclusion

Because spaying and neutering are considered elective surgeries, most pet insurance companies do not cover them. Some companies do provide additional wellness plans that will reimburse for these services, but you must carefully read the policy and the specific add-ons to ensure they are covered. Spaying and neutering pets not only helps to reduce pet overpopulation, but it also has numerous health and behavioral benefits. It’s up to you whether it’s worth getting a policy that covers spaying and neutering, but there are plenty of organizations that can help with these services as well.

source https://babypetdaily.com/is-spaying-and-neutering-covered-by-pet-insurance-what-you-should-know/