Does Pet Insurance Cover Spaying?

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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 Californiacat 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:

  • Teeth cleaning
  • Vaccinations
  • Parasite prevention
  • Behavior training (if recommended by a vet for anxiety or aggression)

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.