PET INSURANCE

Does Pet Insurance Cover Spaying?

Three Minutes
Jun 05, 2024

Spaying (aka sterilization for female cats and dogs) is an important procedure recommended by many veterinarians. Not only does it help reduce pet overpopulation, but it can also provide numerous health benefits to your furry friend.

Many pet insurance providers won’t cover spaying in standard accident and illness policies, but others — like MetLife Pet — may cover it in their routine wellness add-ons!1 Let’s take a closer look at coverage and see how you may be able to save on spay costs.

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

MetLife Pet Insurance Can Help Cover Spaying for Dogs and Cats

MetLife Pet Insurance offers a Preventive Care add-on that can help cover spaying costs. Unlike other companies, who may only pay a set dollar amount toward spaying each year (e.g., $100 for spaying), we can reimburse up to 90% of covered spay expenses, up to your plan’s annual limit.2,3,4

Our Preventive Care add-on enhances our traditional insurance plans with coverage for other routine wellness expenses, too, from teeth cleaning to parasite prevention. Optional but recommended wellness procedures like these can make a difference in the health and longevity of your pet. At MetLife Pet, your pets are our pets, and we want them to live long, happy lives.

MetLife Pet’s Preventive Care Can Help Cover Spaying Costs

See What It Costs

How Much Does Spaying Cost?

The cost to spay your pet can vary — you could be looking at $165 – $250 for cats or $250 – $525 for dogs.5,6 Your exact cost depends on a number of factors, mainly the animal’s species, the pet’s size and health, and your location.

The cost to spay a dog can be more expensive than the cost to spay a cat.5,6 Spaying may also be more expensive than neutering due to the nature and intensity of the surgery required.7 But with MetLife Pet’s add-on Preventive Care plan, you could get reimbursed for up to 90% of these costs, making these important procedures more budget-friendly.3

How MetLife Pet has helped real customers cover spay costs

We’ve reimbursed many spay bills over the years, including one for Chai, a dog from New York, who had a spay surgery bill for over $1,400. We reimbursed her pet parents almost $1,150!8 Likewise, we paid out over $500 to the pet parents of Molly, a California cat who got a nearly $650 spay bill.9

Benefits of Spaying Pets

The choice to spay your pet is up to you. But it might help to know some reasons why it can be a good idea. A few of the benefits of having your pet spayed include:10

  • Preventing litters that are unplanned, unwanted, or unable to be cared for
  • Eliminating “heat” or estrus cycles
  • Helping to prevent uterine infections and breast cancer
  • Reducing mating behaviors — like urine marking, roaming, and flagging

Talk with your veterinarian to see what’s best for your pet, as there are always risks to surgical procedures.10

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

Our Preventive Care plan add-on enhances our standard plan with coverage for your pet’s routine care. In addition to spaying procedures, some of the things we can typically cover under this optional plan include:

Plus, a pet insurance policy on its own can help you afford the cost of pet health care. From exam fees and diagnostics to injuries and upset tummies, dog insurance or cat insurance from MetLife Pet can help reimburse vet bills. Get a free quote to see your custom policy price.

Our Pet Insurance Wellness Plan Can Help With Spaying Costs 

Dr. Hunter Finn is an integrative veterinary expert first, and social media star second. America’s favorite veterinarian owns Pet Method in McKinney, Texas, where he cares for pets while prioritizing their emotional well-being. When he’s not at his clinic, he’s starring in viral videos on TikTok (2 million followers) and Instagram (500K followers) — where he’s been known to snuggle puppies and conquer the latest dance trends.

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

1 “What Does Pet Insurance Cover?” NerdWallet

2 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.

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

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

5 “The Cost of Cat Parenthood in 2024,” Rover

“The Cost of Dog Parenthood in 2024,” Rover

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

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 $250 deductible and 80% 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.

9 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 $250 deductible and 80% 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 “Spaying and neutering,” American Veterinary Medical Association

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).

L0624040979[exp0626][All States][DC,GU,MP,PR,VI]