Spay and Neuter Clause

3 min read
Feb 09, 2022

Some pet insurance providers might require a pet be neutered or spayed prior to a specific age. If you do not choose to spay or neuter your pet prior to this timeframe, additional exclusions to your coverage for issues they deem related to not spaying or neutering your dog or cat could come into play. 

How Does this Affect You?

If you plan on breeding your pet, it can create a tight timeline for which your pet is able to mate. But, the bigger impact is the additional exclusions and illnesses that will no longer be coverable if you choose to spay or neuter your pet.
Where Does MetLife Pet Insurance1 Stand?

MetLife Pet does not have any requirements for your pet to be spayed or neutered in order to receive pet health insurance coverage. 

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Nothing in this article should be construed as financial, legal or veterinary advice. Please consult your own advisors for questions relating to your and your pet’s specific circumstances.

1 Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.