If you are a pet owner, you’ve probably had the conversation at least once with your veterinarian about making the best decision for your pet’s reproductive health. For male cats and dogs, that means neutering them.
When purchasing pet insurance, you want to make sure you’re getting the right plan in place to protect your pet’s health. Does pet insurance cover neutering? Let’s have a look at what pet insurance covers and if neutering is included.
What Does Pet Insurance Cover?
There are a few different plan types you can choose from when getting pet insurance. Comprehensive pet insurance provides coverage for accidents and illnesses.
- Swallowing foreign objects
- Broken bones
- Bite wounds
- Torn nails
If it’s not an accident, most medical events can be classified as an illness. Except neutering isn’t an accident or an illness, so is it covered? Not exactly, but there’s another option available.
A wellness plan bridges the gap found between comprehensive coverage and no coverage by including preventative care:
- Annual exams
- Flea, tick, and parasite medication
- Certain diagnostic testing
- Dental work
- Procedures like neutering
Wellness plans are inexpensive compared to comprehensive and accident-only coverage. Purchasing a wellness plan with accident and illness offers the widest range of coverage for your pet’s health to help you control out-of-pocket veterinary costs.
Does Pet Insurance Cover Neutering?
Removal of the reproductive organs is a surgical procedure that veterinarians consider preventative care. Pet insurance companies may not agree, with some placing neutering under preventative care while others consider it an elective procedure.
Regardless if a pet insurance company considers neutering preventative care or an elective surgery, it’s usually not covere