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Home > General > Does Pet Insurance Cover Pregnancy? Standard Policies & FAQ

Does Pet Insurance Cover Pregnancy? Standard Policies & FAQ

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There are not many pet insurers that cover pregnancy in their policies, but there are insurance plans out there that will—depending on the type of pet and whether you are a breeder or will be dealing with an accidental pet pregnancy.

Most pet insurance companies will not cover the costs associated with pregnant pets because there are too many complications and risks involved with the process.

If you want to choose pet insurance that covers pregnancy, then you will need to check what the insurance covers before you start the insurance plan. Some insurers will charge more to cover pet pregnancies, especially if you are a breeder.


What Is Pet Insurance?

Pet insurance is medical insurance that covers your pet that covers unexpected veterinary visits and procedures if your pet was to fall sick or become injured. This type of insurance is mainly for dogs and cats; however, some pet insurers will cover exotic pets as well.

Knowing what’s covered is important, we recommend checking a few different companies to compare policies and find the one that best fits your needs.

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Many pet insurance policies will reimburse you for any veterinarian visits your pet goes to and they will pay for most procedures your pet needs regardless of which vet you take them to. The price you pay for pet insurance depends on the type of pet you have, such as a dog or cat, their age, and current health status. If you want to cover most of the benefits pet insurance offers, then the coverage fee per month will be higher. Basic pet insurance policies can be quite affordable and necessary if you want to make sure your pet is insured in the case of a medical emergency.

Pet insurance policies typically reimburse the following procedures:
  • Accidental injuries: poisoning, sprains, trauma
  • Common illnesses: infections, vomiting, diarrhea, colds
  • Chronic conditions: allergies and diabetes
  • Wellness procedures: vaccinations, spaying/neutering
  • Tests: X-rays, CT scans, blood tests, and ultrasounds

Will Pet Insurance Cover Pregnancy?

Most pet insurance policies reimburse the basic veterinary treatments necessary for our pets, such as spaying or neutering and vaccinations, but very few will cover the costs of pet pregnancy procedures—even if the pregnancy was accidental. However, some procedures that a pregnant dog requires may be covered by pet insurance.

Pet insurance policies may only cover a few procedures for pregnant pets, such as blood work, ultrasounds, and scans if you are paying for an insurance plan that covers these tests and diagnostics from a veterinarian, but this is unlikely if these procedures are not considered to be an emergency and are only part of a routine vet visit to check the health of your pregnant pet.

pet insurance care concept
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Pregnant pets do not fall under a medical condition, which is why it is difficult to find a pet insurance company and policy that reimburses the necessary pregnancy care your pet would receive from a veterinarian.

Some pet insurances will cover the cost associated with breeding your pet (especially cats and dogs), which will include pre-breeding tests, fertility treatments, prenatal examinations, cesarean section births, and problems during birth.

If your pet is spayed or neutered, then you do not have to worry about finding an insurance policy that has a pregnancy plan for pets. If you plan to breed your pets responsibly, there are local clubs that can help with pregnancy-related procedures, and some pet insurance companies will cover the costs too, but you will need to pay more per month and choose a higher plan option that can be quite pricey long-term.

Does Pet Insurance Cover C-Sections?

Most pet insurance plans will cover the costs of an emergency C-section (cesarean section birth), but not entirely. However, it can be difficult to find pet insurance that does cover this procedure because the policies will usually cover most of the costs associated with emergencies or unexpected events, and if the C-section does not fall under those categories, then the procedure may not be covered.

There have been instances where pet insurance has covered some of the costs of a pregnant pet that needed an emergency C-section because there were complications during the pets birthing process in the case of cats and dogs. However, the costs of these procedures are not fully covered, which means that you can only claim back some of the costs spent on the pet’s C-section.

dog owner talking to vet
Image Credit; SeventyFour, Shutterstock

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If your pet needs emergency procedures resulting from pregnancy-related problems, then most pet insurers will cover some of the costs. It is important to consult with the pet insurance company beforehand so you can choose a pet insurance plan that covers all the necessary procedures your pet might need to be done. If you are a breeder, then you will need to choose a pet insurer and policy that covers most of the pregnancy-related procedures issued by a veterinarian.

Featured Image Credit: Jan Dix, Shutterstock

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