PET INSURANCE

Does Pet Insurance Cover Neutering? 

Four Minutes
Jun 05, 2024

Pet overpopulation is an ongoing concern, and in many cases, there simply aren’t enough homes to take in the millions of unwanted pets born every year.1 This is just one reason why your veterinarian may recommend neutering your male pets. While it’s a common procedure, many pet insurance providers won’t cover neutering in their basic accident and illness plans, but others — like MetLife Pet — may cover it in their routine wellness add-ons!2

With the Preventive Care add-on, MetLife Pet can help you cover the costs of neutering. Get your free quote for pet insurance with Preventive Care.

MetLife Pet Insurance Can Help Cover Neutering for Dogs and Cats

You can get help covering neutering costs with a Preventive Care add-on from MetLife Pet Insurance. While some providers will only pay out a set amount of money toward neutering costs per year (e.g., $100), MetLife Pet can reimburse up to 90% of covered wellness costs, up to your plan’s annual limit.3,4,5

The Preventive Care add-on also can help reimburse you for other routine wellness expenses, including:

These procedures can help your pet enjoy a longer, happier life — and can save you money by potentially preventing more expensive veterinary bills down the line.

MetLife Pet’s Preventive Care Can Help Cover Neutering Costs

See What It Costs

How Much Does Neutering Cost?

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 $250 to over $500, whereas neutering a cat typically costs between $165 and $250.6,7 Some pet shelters may also neuter your pet prior to adoption, in which case the cost would be rolled into the adoption fee.6

Regardless of where you get your pet neutered or how much the bill is, a Preventive Care add-on from MetLife Pet can help you cover it!

How MetLife Pet has helped real customers cover neuter costs

Jean Luc, a young kitten in California, had a nearly $600 neutering bill that was reimbursed for more than $520 thanks to his Preventive Care add-on.8 Guy, a mixed dog in Washington state, was likewise covered for just over $500 on his more than $550 neutering expenses.9

Why Neuter Your Pet?

Neutering your male pet doesn’t just help prevent unwanted pregnancy — it can also come with certain health benefits. Neutered males are less likely to develop certain diseases, including some cancers.1 Other potential benefits to consider include:10

As always, consult with your vet before making any major health decisions for your pet!

MetLife Pet Can Help With Neutering and Other Routine and Unexpected Costs

Neutering 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 cover routine — but important — vet expenses, from neutering to dental cleaning, vaccinations, and more!

Don’t wait for unexpected vet bills to rear their ugly head. Get started today with a free quote from MetLife Pet, and find out how much you could save.

Our Pet Insurance Wellness Plan Can Help With Neutering Costs 

**As with any insurance policy, coverage may vary. Review our coverage and exclusions.

 

1 “Spaying and neutering,” American Veterinary Medical Association, https://www.avma.org/resources-tools/pet-owners/petcare/spaying-and-neutering

2 “What Does Pet Insurance Cover?” NerdWallet

Based on a March 2024 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

4 "Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply."

Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply.

“Cost of Dog Spay/Neuter: Average Cost, Low-Cost Options & More,” Rover, https://www.rover.com/blog/cost-to-spay-or-neuter-a-dog/

“How Much Does It Cost to Spay or Neuter a Cat?” Daily Paws, https://www.dailypaws.com/living-with-pets/pet-costs/cost-to-spay-a-cat

All claims paid amounts are based on MetLife Pet internal claims data from October 2023. This example is for illustrative purposes only. This is based on a policy with a $100 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

All claims paid amounts are based on MetLife Pet internal claims data from October 2023. This example is for illustrative purposes only. This is based on a policy with a $100 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

10 “Benefits of Spaying or Neutering Pets,” North Shore Animal League of America, https://www.animalleague.org/get-involved/spay-usa/benefits-spaying-or-neutering-pets/

11“Why you should spay/neuter your pet,” The Humane Society of the United States

Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Availability is subject to regulatory approval. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).

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