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You can download our entire Pet Insurance Guide: Why The Fine Print Matters.
What is this?
Pet insurance providers can require a pet be neutered or spayed prior to a specific age, and if you do not choose to spay/neuter your pet prior to this timeframe, they will add additional exclusions to your coverage for issues they deem related to not spaying and/or neutering your dog or cat.
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 which will no longer be paid for if you choose to keep your pet intact.
List of conditions pet insurance companies may not pay for if your pet is not spayed/neutered by a young age:
These conditions can become very expensive veterinary costs when you factor in all the diagnostic tests and treatments. Here are average vet bills for some of these issues (based on claims by PetFirst Pet Insurance pet owners in 2016):
Which Pet Insurance Companies Have A Spay/Neuter Clause?
Where does PetFirst stand?
While PetFirst is proud to support spay/neuter initiatives to mitigate pet overpopulation, we do not have any requirements for your pet to be spayed or neutered in order to receive pet health insurance coverage.
In this series, we deep dive into the other following areas where coverage could be lacking if you have another pet insurance company’s plan:
Now that you’ve done your research on pet healthcare plans, you can see PetFirst provides the most comprehensive, best pet insurance plan for dogs and cats. With no “gotchas” in the fine print, you can rest easy knowing you are able to give your pet the care they need.
In less than 2 minutes, you can get a customized quote for your pet.