Best Pet Insurance That Covers Spaying & Neutering

best pet insurance that covers spaying and neutering

As responsible pet owners, it is essential to consider the health and well-being of our furry friends. One crucial aspect of pet care is spaying or neutering, which not only helps control the stray animal population but also provides numerous health benefits for our pets.

However, the cost of these procedures, officially known as orchiectomies and ovariohysterectomies, can be a significant financial burden for many pet owners. While most pet insurance policies do not cover spaying and neutering surgeries, there are options available that provide coverage for these procedures.


In this comprehensive guide, we will explore the pet insurance companies that offer coverage for spaying and neutering, the associated costs, and whether it is worth investing in a wellness plan to cover these procedures.

Why Pet Insurance Typically Doesn’t Cover Spaying and Neutering

Pet insurance providers generally consider spaying and neutering as elective procedures rather than essential medical treatments. As a result, these procedures are not covered in most standard pet insurance policies.


However, many insurance companies offer add-on preventative care and wellness plans that cover spaying and neutering, along with other routine care services. These add-on plans often include coverage for vaccinations, flea and tick prevention, wellness exams, and more.

Pet Insurance Providers That Cover Spaying and Neutering

If you are looking for pet insurance wellness plans that cover spaying and neutering procedures, there are several options available. Let’s take a closer look at five insurance providers and the details of their pricing and coverage:

1. Fetch

Fetch offers pet owners the choice between three Fetch Wellness plans as optional add-ons to their standard pet insurance policy. These plans reimburse pet owners for routine and preventative care, including spaying and neutering. The three Fetch Wellness plans are:

  • Essentials: $11.29 per month for up to $315 in annual benefits ($100 for spaying or neutering).
  • Advantage: $20.46 per month for up to $520 in annual benefits ($100 for spaying or neutering).
  • Prime: $32.14 per month for up to $735 in annual benefits ($125 for spaying or neutering).

In addition to spaying and neutering, these plans cover other routine care services such as annual exams, certain vaccines, dental cleaning, and health tests.


2. Embrace

Embrace offers three different levels of wellness coverage that include spaying and neutering. Pet owners can choose from plans that reimburse up to $250, $450, or $650, depending on their chosen coverage level. These plans also cover wellness exams, vaccinations, medical tests, nutritional supplements, and more.

3. Lemonade

Lemonade provides pet owners with two tiers of wellness coverage: one for puppies/kittens and one for dogs/cats. The wellness plan for puppies and kittens costs $48.33 per month and reimburses up to $120 for spaying or neutering costs.

This plan also covers flea and heartworm prevention, vaccinations, wellness exams, blood and fecal tests, microchipping, and more. The total annual coverage for preventative care costs is $650.

4. Spot

Spot offers pet owners a choice between two preventative care plans: Gold Preventative Care and Platinum Preventative Care. While the Gold plan does not cover spaying and neutering, the Platinum plan reimburses up to $150 for these procedures. The Platinum plan costs $24.95 per month and provides an additional $200 in annual coverage compared to the Gold plan.


ASPCA Pet Insurance offers two preventative care plans: Basic Preventative Care and Prime Preventative Care. While the Basic plan does not cover spaying and neutering, the Prime plan reimburses up to $150 for these procedures. This plan also covers dental cleaning, wellness exams, deworming, flea prevention, blood tests, urinalysis, and more.

Is It Worth Getting a Wellness Plan to Cover Spaying and Neutering?

The cost of spaying and neutering surgeries can vary depending on the type of pet and its weight. On average, it can cost anywhere from $100 to $350 for a dog and $35 to $50 for a cat. While these surgeries can be expensive, it’s important to note that many state-run and non-profit agencies offer discounted or even free spaying and neutering services.

If these services are available in your area and you are only considering a wellness plan to cover the costs of spaying and neutering, it may not be worth the additional expense. However, if you could benefit from the other wellness coverages or would like the peace of mind that comes with a more comprehensive insurance plan, investing in a wellness plan may be a smart move.


Spaying and neutering your pets is crucial for controlling the stray animal population and ensuring their overall health and well-being. While most pet insurance policies do not cover these procedures, there are options available that offer coverage through add-on wellness plans.

By considering these options and comparing the costs and coverage provided by different pet insurance providers, you can make an informed decision that best suits your pet’s needs and your budget.

Remember to research and consider the specific terms and conditions of each pet insurance policy, including waiting periods, deductibles, and coverage limits.

Additionally, consult with your veterinarian to determine the best time for spaying or neutering your pet and to ensure they receive the necessary aftercare. With the right pet insurance coverage and responsible pet ownership, you can provide your furry friend with the care they need and deserve.