Most standard pet insurance policies don’t cover spaying and neutering. Spaying and neutering typically takes place when your pet is around two months old and offers important health and financial benefits. 𝓰Howe🐠ver, some wellness plans offer reimbursements for this type of procedure. 

What Does Pet Insurance Cover?

Comprehensive pet insurance typically covers veterinary expenses related to accidents, injuries, or illnesses. This coverage includes diagnostic testing, lab fees, medically necessary procedures, and prescription medication to help your pet heal properly.

Acciden෴t-only pet insurance is another coverage type thatꦑ helps in emergency situations. While accident-only plans don’t cover as much as a comprehensive plan, they offer low-cost financial protection from unexpected accidents and injuries. 

This type of insurance covers incidents like:

• Swallowing poison or a foreign body
• Auto accidents
• Bite wounds
• Torn muscles
• Broken bones
• Eye injuries

What Does Pet Insurance Not Cover?

While pet insurance can help you with various vet bills, it won’t pay for everything. 澳洲幸运5官方开奖结果体彩网:Pet insurance doesnꦯ’t usually cover the following:

• Elective procedures like spaying, neutering, tail docking, and ear cropping
• Pre-existing conditions
• Preventative care such as annual checkups, vaccines, and flea or tick medication
• Preventable illnesses or injuries

What Does a Pet Wellness Plan Cover?

A pet wellness plan may be offered as an add-on to existing pet insurance coverage, and are typically not considered true insurance. They can be helpful, however—a 2020 survey found that dog owners with a wellness plan visited the veterinarian 20% more compared to those without a wellness plan.

This t🍒ype of policy reimburses you for routine and preventative care such as:

• Routine office visits
• Vaccinations or titers
• Fecal exams
• Deworming
• Nail trims
• Microchipping
• Flea control
• Heartworm prevention
• Bloodwork

Some companies offer different tiers of wellness plans. For example, a basic plan might include annual exams, bloodwork, and vaccinations, while a higher-tier plan may also include extra ser🦩vices, such as dental cleanings or spaying and neutering. 

Unlike illness and accident insurance, wellness plans usually don’t have deductibles, copayments, or coinsurance requirements, but typically cover care up to a flat amount. For example, most insurers cover spay and neuter services for up to around $150. If the spay/neuter pr🐬ocedure costs $200, you’ll pay the other $50 out of pocket. 

What Does a Pet Wellness Plan Not Cover?

While pet wellness plans can help you afford to keep your pet healthy, theꦺy still have some restrictions and exclusions. Typically these plans don’t cover: 

• Veterinary care related to illnesses or injuries
• Boarding expenses
• Grooming or bathing
• Pre-existing conditions
• Pet obedience training

Pet Insurance Companiesꩲ That Offer Spaying and Ne🏅utering Coverage

Here are some of the best pet insurance companies, including spaying and neutering coverage on at least one plan. However, wellness plans are usually add-ons or riders. This means y💖ou can only purchase♌ them if you have a comprehensive or accident-only plan.

Typically, adding a plan with spay and neuter coverage will cost, on average, around $23.40💫 per month. Depending on insurer and coverage, plans are between $16 and $29 per month, but your costs could be higher or lower depending on your plan and pet, which state you live in, and other factors. 

Insurers update policies occasionally, so you’ll want to review the curജrent terms and condi𓄧tions before enrolling your pet to ensure the procedure is still included. Not every plan is available in all locations. Many companies let you enter your state or ZIP code to see what your pet is eligible for.

Is Pet Insurance for Spaying♎ and Neutering Worth It?

If you only want pet insurance to cover the cost of spaying and neutering, buying a wellness plan may not be worth it. That’s because you’ll need to add w🎐ellness coverage to a different insurance plan to be reimbursed.  

An average year’s coverage is around $280 a year for a wellness add-on. You may not save money overall by opting for this insurance coverage, as a spay/neuter operation costs around $150 for cats and $300 for dogs, with only part of that cost covered if more than $150.

However, wellness coverage does spread out your payments. 澳洲幸运5官方ꩵ开奖结果体彩网:If you’re on a tight monthly budget and can’t afford the cost of a spay all at once, this coverage may be beneficial. And if you’re already paying for the coverage, you might as well take advantage of the wellness plan 澳洲幸运5官方开奖结果体彩网:reimbursement options for spay/neuter costs. Your young pet may also need other car🍒e that a preven♏tive plan would cover. 

Bottom Line

A comprehensive or accident-only pet insurance plan won't cover your pet’s spay or neuter procedure. However, some wellness add-on plans provide some reimbursement for this type of surgery. You’ll need to read the details carefully, as only some plans include this coverage. 

While this type of wellness plan can help you spread out the cost of spaying or neutering over a year🐠, it likely won’t save you money overall if that’s the only clinic visit your pet will have all year. So you’ll need to analyze your premium costs and the price of the sterilization procedure to see if it’s worth it.