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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 and 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.
Pet insurance providers don’t typically include this crucial procedure in 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 best 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 cover neutering and spaying:
Lemonade provides affordable pet insurance policies ideal for pet parents looking to spend less. The company also makes the pet insurance process user-friendly, offering an impressive mobile app to manage your pet’s health, file claims, and keep track of your policy coverage and billing. Lemonade provides spaying and neutering coverage through its preventive care add-ons.
+ Has a two-day waiting period, which is shorter than many competitors
+ Provides discounts when you pay in full
+ Offers a 10% discount when you bundle your pet insurance with Lemonade’s home or renters insurance
— Excludes 15 states in its coverage*
— Requires complete records from a recent veterinary exam for your pet to qualify for coverage
*Unavailable in Alaska, Delaware, Florida, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, Minnesota, South Dakota, Vermont, West Virginia and Wyoming
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 and $30 to $40 per month for cats.
Lemonade’s Preventative+ Package covers the following items:
Lemonade doesn’t cover pets over 14 years old.
To learn more: Lemonade Pet Insurance review
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 plan, to receive coverage for neutering and spaying. This plan costs an additional $24.95 per month and has a coverage limit of $450 per year.
— Neutering only covered in most expensive plan
— No customer service on weekends
You must purchase Spot’s Platinum plan to receive neutering coverage. This plan covers the following items:
Preexisting conditions your pet has before the 14-day waiting period, anal gland expression, aesthetic or cosmetic procedures, elective procedures, boarding, breeding, pregnancy, whelping (birthing for dogs), herbal products and organ transplants are not covered under this plan.
To learn more: Spot Pet Insurance review
ASPCA Pet Health Insurance has more than 15 years of experience. It’s one of the most well-known providers in the pet insurance industry due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).
Crum and Forster Pet Insurance Group, which has an A+ rating * and accreditation from the Better Business Bureau (BBB), services ASPCA’s policies. The company covers neutering surgery through its Preventative Prime add-on, which costs $24.95 per month for a total of $450 annually with a standard plan.
*BBB ratings are accurate as of September 2022.
+ Includes microchipping in all plans
+ Provides two wellness care options with different levels of coverage and monthly rates
+ Offers an online comparison tool for comparing competitor plans and pricing
— Has a 14-day waiting period
— Limits annual coverage at $10,000, which is lower than many competitors
You must purchase ASPCA’s Preventative Prime add-on to receive neutering coverage.
ASPCA’s Preventative Prime add-on covers the following items:
Preexisting conditions your pet has before the end of the 14-day waiting period, boarding, breeding, anal gland expression, cosmetic or elective procedures, funeral services, grooming, organ transplants and herbal medications are not covered under this plan.
To learn more: ASPCA Pet Health Insurance review
We recommend Embrace for pet parents in need of cheap pet insurance . The provider offers many additional savings, such as a 10% discount for each additional pet policy you purchase, a 5% military discount and a 10% employee benefits program for employees of companies that offer Embrace pet insurance. Embrace also offers the Healthy Pet Deductible benefit, which credits pet owners with $50 toward your co-payment each year you don’t file a claim.
Embrace’s Optional Wellness Rewards coverage includes spay or neuter surgery for an additional $18 to $53 per month. You can add $250, $450 or $650 of annual coverage limits for preventive care costs.
+ Offers accessible customer support through online live chat
+ Pays 100% of the neutering costs up to the annual limit, rather than only paying per-treatment limits like other providers
+ Reduces your deductible by $50 each year you don’t file a claim
— Excludes supplements and prescription food from coverage
— Neutering coverage is not available in Rhode Island
You must purchase a standard plan plus Embrace’s Optional Wellness Rewards Coverage to receive neutering coverage.
Embrace’s Accident-and-illness Plan with Optional Wellness Rewards covers the following items:
Preexisting conditions your pet has before the policy’s coverage start date, magnet therapy and massaging, boarding costs, orthopedic conditions during the first six months of the policy, organ transplants and costs associated with breeding, whelping and pregnancy are not covered under this plan.
To learn more: Embrace Pet Insurance review
Prudent Pet offers two standard plans plus a comprehensive plan with unlimited annual coverage for vet bills and reimbursements for a few items many competitors don’t offer, such as lost pet advertising and vacation cancellation fees. These features make Prudent Pet Insurance an excellent choice for extra coverage.
The company offers coverage for spay and neuter surgeries through its High Wellness coverage add-on. This add-on reimburses you up to $60 toward your spaying or neutering procedure.
+ 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 many competitors, especially for high-risk breeds
— Restricts coverage caps for each plan type with no option to adjust annual limits
You must opt for the Medium or High Wellness add-on to receive neutering coverage. The Medium add-on includes $40 toward spay or neuter surgeries, while the High add-on provides $60.
Prudent’s Medium or High Wellness add-ons cover the following items:
Preexisting conditions, breeding, pregnancy, whelping, holistic therapies not administered or prescribed by a vet, experimental treatments, organ transplants and elective procedures are not covered under this plan.
To learn more: Prudent Pet Insurance review
Most pet insurance companies limit the reimbursement amount of vet bills, but Figo allows you to choose 100% reimbursement. The company also offers unlimited annual benefits and a range of useful add-ons, including neutering and spaying. Figo’s Wellness Powerup add-on covers spay or neuter surgeries.
+ Doesn’t have an upper age limit
+ Includes only a one-day waiting period
+ Provides the option of 100% reimbursement on treatments, including neutering
— Doesn’t cover puppies and kittens younger than 8 weeks
— Doesn’t cover behavioral treatments
You must opt for Figo’s Wellness Powerup in addition to its Basic or Plus accident-and-illness coverage plan to receive neutering coverage. Spay or neutering surgery coverage costs an extra $40 for the Basic plan and $75 for the Plus plan.
Figo’s Wellness Powerup covers the following items:
Preexisting conditions, experimental procedures, breeding, pregnancy, giving birth, cloned pets, cloning procedures and cosmetic surgery are not covered under this plan.
Pets Best is a trusted name in pet insurance, with an A+ rating from the BBB and more than 15 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 also an excellent choice for pet parents of senior pets, as the company has no upper age limit.
+ Doesn’t have an upper age limit
+ Offers a 24/7 Pet Helpline with veterinary experts
+ Charges only $16 to $26 extra per month for neutering, with tons of extra coverage
— Processes claims in an average of 30 days
— Offers only $5,000 or unlimited coverage caps
— Requires pets to be more than 7 weeks old for coverage
You must opt for Pets Best’s EssentialWellness or BestWellness to receive neutering coverage. This costs an extra $16 to $26 per month.
Pets Best’s add-ons cover the following items with its general accident-and-illness plan:
Preexisting conditions, anal gland expression and removal, tail docking, ear cropping, nail trimming, feline declawing, dewclaw removal, treatment and prevention of parasites, and herbal, holistic, and experimental therapies and medications are not covered under this plan.
Neutering is more necessary than you might think. It helps to prevent further costs and health issues for your pet, such as testicular cancer and prostate issues. It also helps them avoid any injuries from fights they may experience when in heat.
Neutering costs around $50 to $300.* Opting for a pet insurance plan that covers neutering can drastically reduce this price.
*Cost figured calculated from various 2021 reports.
Your dog or cat doesn’t need spaying or neutering until they’re at least 6 months old. The average waiting period for a pet insurance provider is 14 days, so you’d be past this period by the time they require coverage.
Neutering is not classified as a preexisting condition . However, many pet insurance companies consider neutering an elective procedure, so you typically have to pay extra for coverage.
Although neutering isn’t a required surgery, it’s becoming increasingly popular among pet parents. We recommend considering a pet insurance provider that offers neutering coverage if you have a new puppy or kitten.
Lemonade offers a well-rounded and affordable pet insurance policy. The company includes extensive coverage for spaying and neutering in its Preventative Care add-ons for pets under two years old. Spot Pet Insurance offers customizable preventive plans with neutering coverage through its Premium plan. ASPCA is also a highly experienced option that supplies well-rounded pet insurance plans with add-on coverage for neutering.
We encourage you to get quotes from three pet insurance companies to compare policies and pricing. Use our tool below to quickly get free quotes from top providers.
Explore some of our other pet insurance resources below:
No, you should not wait to insure your pet until it’s spayed or neutered. Puppies and kittens are accident-prone, and as long as your pet meets a provider’s age limit for coverage, you should opt to protect them.
It typically takes up to two weeks for an animal to fully recover from neutering surgery.
Be sure not to feed your pet after midnight the night before surgery. You will also want to inform your vet of any medications your pet takes unrelated to the surgery. The vet will let you know if you should give them the medication on the day of the procedure.
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.
We have scored each provider on a 100-point scale based on those elements. We then divided the points earned for each provider’s final score on a 5-point scale.
Here are more details about each factor and how they’re weighted:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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