Deciding to get your cat or dog desexed is a big deal. While these procedures are routine in veterinary clinics, they shouldn't be rushed into. Many pet parents have questions about desexing, such as, What are the costs of spaying or neutering? And, Are these costs covered by pet health insurance?

Below, we'll discuss the financial side of desexing procedures and whether your affordable pet insurance plan will help cover the vet bills.

Choosing to spay or neuter your pet

Some pet parents are clear in wanting to spay or neuter their pets even before adopting them. Yet, for others, the desexing choice weighs heavily on their mind. Maybe breeding is an option. Or perhaps you don't like the idea of your pet going through surgery unnecessarily. This decision is a personal one. There are no right or wrong answers—unless your furry friend needs the procedure for health reasons.

The American Kennel Club recommends pet owners speak with their veterinarians before making a final decision. An informal conversation can help you realize the pros and cons of a desexing procedure. Additionally, you may learn that your state has mandatory spay and neuter laws. For example, if you rescued a pet in Florida or New York, these animals must be desexed.

After weighing all the options, your next question might be, When should my pet be desexed? The best time for pet neutering or spaying is when your dog or cat is very young. Puppies and kittens can have this procedure as young as eight weeks old. However, the sweet spot for cats and dogs is around six months old.

What costs can you expect for this procedure?

The next question on a pet parent's lips is, How much will this procedure be? Spaying or neutering costs can vary depending on where you live. The average vet bill for a spaying procedure can be anywhere from $60 to $600. A neutering procedure can cost up to $300. Many factors can dictate the price of your pet's procedure. One such factor (if your pet is a dog) is their breed.

For example, if you have a female Newfoundland puppy, spaying your fur baby will be considerably more expensive than if it were a Boston terrier. Larger breeds require more sedation, longer surgeries, and more pain medication. However, your clinic may offer a flat fee for spaying and neutering regardless of breed.

One thing that surprises most owners is that you can be charged for additional tests needed for a desexing procedure, such as blood work tests or an EKG. Other services necessary during a desexing procedure include:

  • sedation;
  • IV fluids;
  • pain medication;
  • prep for surgery;
  • post-op recovery monitoring;
  • antibiotics;
  • nail trim;
  • e-collar.

Many vets will build the price of these services into the cost of the desexing procedure. However, always ask how pricing works before booking the surgery. Many pet health insurance and pet wellness plans may cover the expense of various services carried out during a desexing procedure, such as blood work.

Does Wagmo pet health insurance plans cover desexing procedures?

Unfortunately, not all pet health insurance plans cover spaying or neutering costs. Pet insurance plans, like Wagmo's, are designed to cover you for unexpected illnesses and accidents. Spaying and neutering are voluntary procedures, so these expenses won't be part of our coverage.

An infographic showing Wagmo pet health insurance coverage

We understand the essential decisions pet parents make regarding their furry friends' health. That's why we're here to provide support with everything else pet ownership throws in your direction. A Wagmo Pet Insurance plan is designed for the unexpected. From emergency vet visits, hip dysplasia treatment, and laboratory tests to CT scans, we'll provide you with 100% coinsurance reimbursement once you meet your deductible.

Aftercare for spaying and neutering: Pet wellness plans can help

Pet parents managing aftercare costs after desexing procedures love our Wagmo Pet Wellness plans. We believe all pets deserve to live a healthy life at an affordable price. That's why our wellness plans help owners cover the costs of routine care, including vaccinations, dental care, grooming, and regular check-ups.

When your furry friend is due for post-op care, you can rest knowing we'll be there with you (financially, not physically)! Learn more about our pet wellness protection or take our pet health insurance quiz to find a suitable plan.