Best Pet Insurance That Covers Neutering

Best Pet Insurance That Covers Neutering

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.

Top 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 Pet Insurance

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.



Pros and Cons of Lemonade Pet Insurance

+ Has a two-day waiting period, which is shorter than many competitors 

+ Provides discounts when you pay in full

+ Offers a 10{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} 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



Lemonade Neutering Coverage Requirements

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:

  • A blood test
  • A heartworm or feline leukemia virus (FeLV) test
  • A fecal or internal parasite test
  • Microchip implantation
  • Six vaccines
  • Spay or neuter surgery
  • Two wellness exams

Lemonade doesn’t cover pets over 14 years old.

To learn more: Lemonade Pet Insurance review

Spot Pet Insurance

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.



Pros and Cons of Spot Pet Insurance

+ No age limit 

+ Unlimited annual coverage option

+ 30-day money-back guarantee

Neutering only covered in most expensive plan

No customer service on weekends

14-day waiting period



Spot Pet Insurance Neutering Coverage Requirements

You must purchase Spot’s Platinum plan to receive neutering coverage. This plan covers the following items: 

  • A Bordetella or feline infectious peritonitis (FIP) vaccine
  • A blood test
  • A fecal test
  • A wellness exam
  • Dental cleaning or spay/neuter surgery
  • Deworming
  • Distemper, hepatitis, parainfluenza and parvovirus (DHLPP) vaccine
  • Flea or heartworm prevention
  • Health certificate
  • Heartworm or feline leukemia virus (FELV) test
  • Rabies, Lyme disease or feline infectious peritonitis (FIP) vaccine
  • Urinalysis

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

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.



Pros and Cons of ASPCA Pet Health Insurance

+ 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



ASPCA Pet Health Insurance Neutering Coverage Requirements

You must purchase ASPCA’s Preventative Prime add-on to receive neutering coverage.

ASPCA’s Preventative Prime add-on covers the following items: 

  • A blood test
  • A fecal test
  • A heartworm test
  • A health certificate
  • A wellness exam
  • Bordetella vaccine
  • Dental cleaning or spay/neuter procedure
  • Deworming
  • DHLPP vaccine
  • Flea or heartworm prevention
  • Rabies or Lyme vaccine
  • Urinalysis

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{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} discount for each additional pet policy you purchase, a 5{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} military discount and a 10{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} 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.



Pros and Cons of Embrace Pet Insurance

+ Offers accessible customer support through online live chat

+ Pays 100{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} 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



Embrace Pet Insurance Neutering Coverage Requirements

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: 

  • Anal gland expression
  • Hospitalization
  • Microchipping
  • Spay or neuter surgery
  • Teeth cleaning 
  • Vet bills and treatment fees for cancer, congenital conditions, dental trauma, chronic conditions, genetic conditions, hip dysplasia and other injuries
  • Vaccinations
  • X-rays

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 Insurance

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.



Pros and Cons of Prudent Pet Insurance

+ 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



Prudent Pet Insurance Neutering Coverage Requirements

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:

  • A fecal exam
  • A health certificate
  • Bordetella or Lyme disease vaccine
  • Dental cleaning or spay/neuter surgery
  • Deworming
  • Distemper, hepatitis, parainfluenza and parvovirus (DHLPP) vaccine
  • Microchipping
  • Rabies vaccine
  • Two wellness exams 
  • Wellness blood screen

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

Figo Pet Insurance

Most pet insurance companies limit the reimbursement amount of vet bills, but Figo allows you to choose 100{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} 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.



Pros and Cons of Figo Pet Insurance

+ Doesn’t have an upper age limit 

+ Includes only a one-day waiting period 

+ Provides the option of 100{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} reimbursement on treatments, including neutering

Doesn’t cover puppies and kittens younger than 8 weeks

Doesn’t cover behavioral treatments



Figo Pet Insurance Neutering Coverage Requirements

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: 

  • A wellness exam 
  • Deworming
  • Microchip or health certificate
  • Spay/neuter or dental cleaning 
  • Testing 
  • Vaccines

Preexisting conditions, experimental procedures, breeding, pregnancy, giving birth, cloned pets, cloning procedures and cosmetic surgery are not covered under this plan.

Pets Best Pet Insurance

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.



Pros and Cons of Pets Best Pet Insurance

+ 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



Pets Best Pet Insurance Neutering Coverage Requirements

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:

  • A blood, fecal and parasite exam
  • A wellness exam
  • Deworming
  • Flea/tick prevention
  • Heartworm prevention
  • Heartworm test or FELV screen
  • Microchip
  • Rabies
  • Spay/neuter or teeth cleaning
  • Urinalysis or ERD
  • Vaccination/titer

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.

Is Pet Insurance for Neutering Worth It?

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.



Does Neutering Have Any Waiting Periods?

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.



Is Neutering Covered as a Preexisting Condition?

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.



The Bottom Line: Should I Purchase Pet Insurance for Neutering?

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.

Other Pet Insurance Resources

Explore some of our other pet insurance resources below:



Frequently Asked Questions About Neutering

Methodology: Our System for Ranking the Best Pet Insurance Companies

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:

  • Monthly pricing (25 points): How much each company charges for its pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
  • Plans (15 points): The top pet insurance companies offer accident and illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
  • Covered treatments (15 points): With this factor, we scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options (10 points): Customizing your policy is a valuable way to ensure you only pay for what your pet needs. Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
  • Customer care (10 points): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
  • Industry reputation (10 points): To determine each company’s industry reputation, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of experience in the industry and their state availability.
  • Waiting periods (10 points): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
  • Eligible age (5 points): Some companies don’t offer policies for pets that are over a certain age. We deducted points from providers that have age limits for covered pets.

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.