Neutering as a procedure is not particularly a cure for any illness but more like a prevention. So, pet insurance plans that cover accidents and illnesses usually won’t cover the cost of neutering. However, add-on plans are available with some insurance providers (like us) that can help cover the cost of neutering.
Neutering is like taking your pet out of the whole dating (more like mating) drama. It is a simple procedure of removing your dog’s or cat’s sex organs to prevent unwanted pregnancies and pregnancy-related illnesses.
In males, the process is called ‘castration’, where the dog’s testicles are removed. It is mostly a less invasive procedure and is done by making a single incision in the skin of the scrotum and removing the testicles. In case one or both testicles get stuck and remain in the abdomen, surgery may be needed. In females, it is called ‘spaying’ and involves removing the ovaries.(2)
Does Pet Insurance Cover Neutering/Spaying?
Most (if not all) accident and illness plans won’t cover the costs associated to neutering or spaying in dogs and cats. However, Spot Pet Insurance’s wellness add-on can help cover spaying/neutering as well.
When Is the Best Time to Neuter a Dog?
Neutering is usually done between the age of six to nine months. Some dogs can even be neutered at the age of 6 weeks if they are healthy enough. The older the age, the higher the risks of complications due to other health problems, weight, etc. The right age to neuter your pet, however, may depend on multiple other factors. They include - (2)
Breed size - Large breeds tend to mature a little later than the smaller ones; hence, the vet may recommend a late neutering.
Temperament – Neutering can alter the temperament of a dog. If your dog is hyper or does unwanted behaviors frequently, neutering may help improve it. However, if your dog is underconfident and nervous, it can make it worse. The right time, in that case, should be chosen after talking to a vet.
Weight – Overweight or even underweight dogs tend to face complications during or after surgery. You may want to get your dog in good shape before opting for neutering.
Overall health – If your dog is suffering from other health conditions, it would be better to get them treated first and then neuter your pet to avoid any complications.
Read More: How Much Does it Cost to Neuter a Dog?
When Is the Best Time to Neuter a Cat?
Cats usually mature sexually by the time they are 5 months old. Hence, the age of 4 months becomes a good time to neuter cats. It is better to do it after they have completed their primary vaccinations. (1)
Why Neuter a Dog?
No unwanted puppies is the obvious benefit. Here are some more – (2)
No testicular cancer (again, obvious but not a small benefit. It is estimated that about 27% of intact male dogs will develop testicular tumors in their lifetime). (3)
Reduced aggression
Reduced risk of prostate disease and perianal tumors
Decrease in unwanted urination behavior
Reduced chances of the dog getting in a fight with other dogs
It can also make your dog less likely to run away from the house or jump the fence and get involved in a road accident.
Watch Video: Spaying and Neutering in Pet Insurance: Covered or Not?
Why Neuter a Cat?
There are similar benefits of neutering a cat to those of a dog. Apart from the resons listed above, additional benefits include – (1)
Reduced chances of catching feline immunodeficiency virus (FIV), an incurable disease in cats similar to HIV in humans
Reduced risk of breast cancer and infection of the womb (pyometra), both of which can be fatal.
Is Neutering a Pet Risky?
Neutering is a very common procedure in dogs and cats (almost every pet dog and cat needs it, so you can imagine). However, anesthesia can cause some risks if the pet is not healthy enough.
What to Expect After Neutering?
Even if everything goes according to plan, your dog or cat will need care for a few days after surgery. The pet may show some signs of dizziness or get fuzzy about a few things, but that’s normal. Your vet may recommend keeping your pet calm as they heal. Dogs also tend to lick wounds, so something like an Elizabeth collar (a cone) may help. You may see abnormal stool for 2-3 days post-surgery. Again, this is normal.
You may even see some bloody fluid collecting in the remaining part of the scrotum. This should usually go away in 1-2 weeks. If it doesn't, consult your vet. Another surgery may be required to take care of it.
How Much Does Neutering Cost?
The size of your dog, type of clinic, location, complexities (if any), dog’s weight, etc., are some factors that will affect the cost of neutering your dog. On average, it costs around $250 - $5254. You can get it done for a lower cost if you opt for smaller clinics or pet societies. The total cost will also include blood work and pre-exam to make sure the dog is fit for surgery. The average cost of spaying a cat is $25 - $1505.
How Much Does Spaying Cost?
Spaying is usually a costlier procedure than neutering because it is more invasive. The average cost of spaying a dog, considering no complications or underlying health conditions, is $250 - $5254. The cost for spaying a cat ranges from $50 - $500, but pet parents pay $300 on average5.
More About Spot Pet Insurance
Dog Insurance can help provide financial assistance for eligible veterinary care in case of unexpected accidents, illnesses, or injuries. Our plans can help pet parents manage the eligible costs of covered veterinary care and help ensure that their pets can receive the best treatment possible. Here are some ways that Spot pet insurance plans can help:
Covers Unexpected Veterinary Costs: Spot pet insurance plans help cover the eligible costs of unexpected veterinary treatments, such as emergency surgeries, X-rays, and prescription medications for covered conditions.
Customizable Plans: Choose your annual limit, reimbursement rate, and deductible from a range of options, and create the plan that will fit the needs of your pet and your budget.
Peace of Mind: With Spot pet insurance plans, pet parents can know that they can provide the best care for their pet with less worry about the cost.
To learn more about Spot Plans or to get a free quote, click here.
With 10 years of experience as a pet parent, I aim to empower pet owners with insights into pet insurance and maintaining their pet's well-being. I aspire to be a trusted source, combining knowledge with a commitment to the welfare of our beloved pets.
I’m Charlie: canine enthusiast with a knack for figuring out why my dog, Dallas, is more infatuated with tennis balls than me. My lifelong passion for dogs has created a dedication to help other pet parents better understands their furry family members!
Cross, B. (n.d.). Neutering your cat. Blue Cross. https://www.bluecross.org.uk/advice/cat/neutering-your-cat
Neutering a dog: Everything you need to know. (n.d.). Small Door Veterinary. https://www.smalldoorvet.com/learning-center/medical/neutering-dogs-everything-you-need-to-know
Testicular cancer in dogs, Gillette vets. (2024, May 30). https://www.redhillsvet.com/site/blog/2024/05/30/testicular-cancer-dog
Helton, Brooke. “How Much Is a Spay or Neuter? Price & Money Saving Options.” The Dog People by Rover.com, 21 Mar. 2023, www.rover.com/blog/cost-to-spay-or-neuter-a-dog/.
Burgos, Sierra . “How Much Does It Cost to Spay or Neuter a Cat?” Daily Paws, 5 July 2024, www.dailypaws.com/living-with-pets/pet-costs/cost-to-spay-a-cat.
