Does pet insurance cover pregnancy?

Generally, pet insurance doesn't cover pregnancy or related complications. That's because pet insurance typically covers unforeseeable, unpreventable illness and injury. Most pet insurance views pregnancy and any complications that arise from it as preventable conditions that aren't illnesses or injuries.

2 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

Is there any pet insurance that covers pregnancy?

Some pet insurance providers offer wellness plans that can help with the costs of preventative treatments, including spaying and neutering. Those plans can help avoid pregnancy, but for the most part, pet insurance won't pay for an animal's pregnancy or its related costs. Learn about how pet insurance works.

Does pet insurance cover breeding?

A few pet insurance providers have designed plans or coverage options specifically for those who breed animals professionally. However, you may need to select breeder coverage at the time of first purchase, so it's best to know whether you plan to breed your pet later in life before you buy the animal's first policy.

Breeding coverage may increase your premium. Check your policy's exclusions list even if you find a plan that covers pregnancy. Some plans may exclude breeds that are known to have complicated births or routinely require cesarean sections. You should also pay special attention to waiting periods for pet insurance and other limitations related to your pet's age, which may affect when your pet insurance covers breeding (especially for older or senior pets).

You can customize pet insurance coverages to your pet's budget and health needs. Learn how to shop for pet insurance and how much pet insurance costs.

Get a quote for pet health insurance today

Learn more about our pet insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.