Hi there, my cat is currently in heat, and I’m considering getting pet insurance to cover the costs of her surgery. What are your thoughts on this idea?
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Most health plans will only pay for spaying or neutering. Most of the time, those are only meant to save you a small amount of money. They do this by either forcing you to use a certain care provider (if the doctor offers one) or by getting you to choose care options that will save the insurance money in the long run.
If paying for a spay or neuter is too expensive, I would wait to adopt until I had a little more money saved up. Wow, it’s so easy to rack up a $1k or more vet bill these days.
Pet insurance typically doesn’t cover spaying and neutering as they are considered elective procedures. However, you can often add a wellness plan to your pet insurance policy that includes coverage for spaying and neutering. Generally, purchasing a pet insurance plan with a wellness add-on just for spaying and neutering coverage alone is not usually cost-effective.