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Pet Insurance that Covers Spaying and Neutering

Spaying and neutering your pet is a responsible action for a pet owner to take. However, the surgery can be costly, which can prevent many pet owners from going through with it. Having an insurance policy that will help with the costs of the procedure can be a tremendous financial relief and improve your dog’s health for the better.

There are many options to make spaying and neutering more affordable. Choosing an insurance company that assists with the costs is one such option. If you’re interested in learning about how pet insurance can help with spay and neuter costs, check out our in-depth article below.

What is Spaying and Neutering?

Spaying (for females) and neutering (for males) is a routine surgical procedure that sterilizes your pet. For females, the surgical vet performs an ovariohysterectomy, which means that the doctor is removing the uterus and fallopian tubes. Males will undergo an orchiectomy, which removes the animals’ testes. Overall, these procedures render your animal sterile and leaves them unable to reproduce.

Spaying and neutering your pet is about much more than taking away their ability to create babies. It can actually have tremendous effects on their behavior. Male dogs that suffer from aggression are often left much calmer after they are neutered. Females no longer go into heat or menstruate after being spayed.

Finally, spaying or neutering your pet can have an impact on the stray population in your area. If you don’t neuter your animal, they may get loose and make babies with a stray. This will ultimately create more animals on the streets and in shelters. By spaying or neutering your pet, you will be actively reducing the number of stray animals in your area.

Does Pet Insurance Cover Spaying and Neutering?

Pet insurance companies do their best to help owners manage the costs of owning a pet. Because spaying and neutering is considered a recommended medical procedure, it would make sense that pet insurance companies would assist with the cost. However, a company’s willingness to assist with the procedure costs will depend on your policy.

When most people look into purchasing pet insurance, they are often referring to a major medical or accident-only plan. This is a policy that will cover costs associated with an injury or illness. Spaying and neutering is a preventative measure, so it would not be covered under this type of pet insurance policy.

With that said, many pet insurance companies offer wellness plans that cover costs that are part of routine or preventative care. Spaying and neutering is generally considered preventative care and may be partially covered under a wellness plan.

The amount of coverage will depend on the insurer’s reimbursement limits and your deductible, so be sure to clarify this with your insurer prior to the procedure.

Pet Insurance Companies that Cover Spaying and Neutering

Some pet insurance companies require that your pet be spayed or neutered before they will issue coverage. Luckily, there are some pet insurance companies out there that will not only insure your unfixed pet, but they will help you with the procedure costs as well.

Here are a few pet insurance companies that will cover spaying and neutering as a part of their wellness plan.


In addition to their accident and illness policy, Embrace offers an extensive wellness program that reimburses for routine and preventative care. This program will assist with the costs of routine vet visits, vaccinations, spaying and neutering, dental cleaning, microchipping, and more. The wellness program is available in every state except for Rhode Island.

Embrace allows you to enroll your pet in their wellness program as young as six weeks. Most vets typically wait about six months before spaying or neutering, so this gives you plenty of time to get outside of your waiting period before the procedure. Plus, you’ll already have coverage in place just in case your new baby gets into a clumsy accident in their first few weeks at home.

Learn More: Read our full Embrace review

Fetch Rates with Embrace


You may know Nationwide from their TV commercials, so you probably know that they offer home and auto insurance. What may surprise you is that they offer pet insurance as well.

Nationwide offers three pet insurance products: Whole Pet with Wellness, Major Medical, and Pet Wellness. Spaying and Neutering is only covered under their Whole Pet with Wellness plan.

The Whole Pet with Wellness plan is advertised as their most comprehensive plan. It covers accidents and illnesses, in addition to a range of wellness and routine coverages. If you want to make sure your pet is covered for a wide range of medical costs, this is your best option.

Learn More: Read our full Nationwide Pet Insurance review

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PetPartners, Inc. is the pet insurance provider for the American Kennel Club (AKC), and they have a reputation as a knowledgeable and reliable insurance provider. They offer several plans to choose from, but their wellness coverage is the best for those seeking spay and neuter reimbursement.

PetPartners, Inc. offers two levels of wellness coverage: Defender and Defender Plus. Both plans can be added to your base plan, but only the Defender Plus plan offers reimbursement for spaying and neutering. You can also receive coverage for teeth cleaning under the Defender Plus plan.

Learn More: Read our full PetPartners review

Shopping for Pet Insurance That Covers Spaying and Neutering

Spaying and neutering is a worthy expense as a pet owner, but it can also be a hefty expense.

Finding an insurance policy that can help you tackle that cost is one of the many excellent reasons to purchase pet insurance.

If you are interested in the benefits of owning pet insurance or are seeking the right policy for you, be sure to check out some of our other articles.

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