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Your veterinarian may recommend sterilizing your pet. This is called neutering for male pets and spaying for female pets. While these are common procedures, they are considered elective and aren't typically covered by a standard pet insurance plan. MetLife Pet offers coverage for spaying and neutering costs with our optional Preventive Care plan, which you can add to your standard policy.
Let’s take a closer look at our coverage options and the benefits of sterilizing your pet.
You can get help covering neutering and spaying costs with a Preventive Care add-on from MetLife Pet Insurance. Depending on the plan you choose, you can get money back according to your reimbursement rate (up to your plan’s limit), or you can be reimbursed according to the benefit limit listed in your plan for sterilization costs.1,2
Our optional Preventive Care plan can expand coverage beyond our standard policies — like kitten insurance and puppy insurance — to help you cover costs for other routine wellness expenses. Here are a couple of examples:
Routine and wellness care can help your pet enjoy a longer, happier life — and could save you money by potentially preventing more expensive veterinary bills down the line.
The cost of neutering your pet depends on several factors — like their species, age, size, and your geographical location. Neutering a dog can cost anywhere from $400 – $500, whereas neutering a cat typically costs between $200 and $300. The cost to neuter a cat can be less expensive than the cost to neuter a dog, and neutering may be less expensive than spaying.3
Regardless of how much the bill is, a Preventive Care add-on from MetLife Pet can help you cover it!
We process a high volume of neutering claims each month. The Preventive Care add-on has repeatedly helped our policyholders from coast to coast. Here are just a few examples:
The cost to spay your pet can vary based on the same factors that affect neutering costs. You could be looking at $300 – $400 for cats or $400 – $600 for dogs.3 Where you’re located, your pet’s size, and age will all play a factor.
The cost to spay a dog can be more expensive than the cost to spay a cat. Spaying may also be more expensive than neutering due to the intensity of the procedure — it’s generally more invasive than neutering.3 But with MetLife Pet’s Preventive Care plan add-on, you could get money back for some of these costs, making these important procedures more financially accessible.
We’ve reimbursed many spay bills over the years, including one for Wendi, a dog from Washington, whose parents received a spay bill for $175. We reimbursed her pet parents $150.4 Or take Peanut’s case, a dog in California who needed spaying surgery. We were able to reimburse her family $100 for her $200 bill.4
Studies have shown that spayed or neutered dogs and cats live longer on average than those who aren’t.5 The choice is ultimately up to the pet parents, but here are some more benefits specific to each procedure.
A few of the benefits of having your pet spayed include:5
Talk with your veterinarian to see what’s best for your pet, as there are always risks to surgical procedures.5
Neutering your male pet doesn’t just help prevent unplanned pregnancy — it can also come with certain health benefits, like:5
As always, consult with your vet before making any major health decisions for your pet!
Neutering or spaying is an important choice for pet parents, and it’s one that can bring many health benefits. Don’t let an expensive bill get in the way of your pet’s wellness. MetLife Pet’s Preventive Care add-on can help you cover routine — but important — vet expenses, from neutering to vaccinations, and more!
Don’t wait for unexpected vet bills to rear their ugly heads. Get started today with a free quote from MetLife Pet, so you can get your pet the care they need and worry less about the cost.
