Keep reading to learn more about pet insurance, wellness plans, and your options when it comes to spaying or neutering your pet.
👉 Before you dive into the article, be sure to familiarize yourself with the terms and verbiage used regularly when talking about pet insurance in our pet insurance glossary.
Usually, pet owners will need to look for wellness plans to cover spaying and neutering because pet insurance plans rarely cover preventative care. Comprehensive pet insurance is designed for unexpected accidents and/or illnesses, while pet wellness plans focus on preventive and routine care.
Here are some of the top pet insurance companies that offer wellness plans, including coverage for spays and neuters.
During a spay, also called an ovariohysterectomy, the vet removes the ovaries, fallopian tubes, and uterus from a female dog or cat. Neutering—also called castration—is when a vet removes your male dog or cat’s testes making them sterile.
Your pet’s spay or neuter costs can vary depending on their breed, size, age, and sex. Other factors that can play into the cost are whether the female cat or dog is pregnant or if the male dog or cat is a cryptorchid, meaning one or both testicles don’t descend. Both conditions make these surgeries more complicated and can require other procedures, such as ultrasounds.
For a healthy female dog that isn’t in heat or pregnant, the average cost of a spay is between $300 and $600. To have your dog neutered, the average cost is around $200 to $500. For cats, expect to pay anywhere from $200 to $500 for spaying and around $100 to $300 for neutering.
However, there are low-cost clinics specifically for spays and neuters that cost much less than your usual veterinary clinic. These clinics can spay most pets for less than $200, and small dogs and cats can even be spayed for as little as $50-$100. Neutering will likely cost you less than $75.
Some low-cost clinics have advanced surgical equipment to monitor your pet’s blood pressure, oxygen level, and heart rhythm during surgery. Others, though, aren’t equipped to provide this, nor can they provide intravenous fluids before, during, and after surgery to maintain hydration. If your pet has a special need or if you’re concerned, it’s best to weigh these factors when looking at low-cost clinics vs paying full price.
While spaying or neutering your pet may be costly, there are many benefits (Trusted Source) :
The average lifespan of spayed and neutered cats and dogs is statistically longer (Trusted Source) than the lifespan of those who don’t get the procedure. Leaving your pet’s reproductive systems intact also increases the likelihood of certain health issues, such as pyometra, mammary gland tumors, ovarian cancer, uterine cancer, testicular cancer, and prostate disease.
Intact dogs are more prone to urine marking, mounting, and roaming compared to neutered dogs, while intact cats are more likely to spray. Leaving pets intact can also minimize howling, the urge to roam, and aggressive behavior. Owners would also have to deal with messy heat cycles in unspayed females, which happen every few weeks. A dog’s heat cycle typically lasts two weeks.
Every year, roughly 2.4 million dogs and cats are killed (Trusted Source) in American shelters because of overpopulation. By spaying or neutering your pet, you’re helping lower the number of unwanted pets who are euthanized.
If your dog or cat has a genetic disorder that can be passed on to future generations, it’s important to spay or neuter your pet to prevent future generations from having the same genetic disorder or disease.
Pet insurance plans usually cover medically necessary surgeries, including emergency procedures. Optional or elective surgeries (such as spays and neuters) usually aren’t covered, and some surgeries may be excluded if they’re related to a pre-existing condition.
Figo’s Wellness Powerup covers routine procedures including spay and neuter surgeries, annual wellness exams, vaccinations, and dental procedures.
There are many benefits to spaying and neutering your pets. It limits pet overpopulation, prevents heat cycles and pyometra in females, prevents certain types of cancers, reduces marking and mounting in males, and eliminates yowling, crying, roaming to find a mate, fighting with other males, and other erratic behavior.
Most pet insurance plans won’t cover spaying and neutering because it’s considered elective surgery. However, there are pet wellness plans that owners can get that cover routine care including spaying and neutering.
