Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 6, 2021

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The Lowdown

  • Pet insurance can cover a variety of surgeries
  • You’ll need to make sure you have the right coverage
  • If you don’t qualify for insurance, some vets will offer discount plans

Does pet insurance cover surgery? If your pet is going through a tough time, you may wonder how to get affordable care. With a firm pet insurance policy, you can guarantee that it will cover your furry one for most medical emergencies.

Does pet insurance cover surgery? Enter your ZIP code into our free quote tool to see what you could pay for a comprehensive pet insurance plan today.

Does insurance cover my pet’s surgery?

When you find out that your pet may be injured and needs serious surgery, you may be stressed at the potential cost. However, it’s possible to save on the cost of major surgery for your pet with the help of a pet insurance plan.

Because medical bills can get costly, it may be worth seeing if your pet qualifies for a health insurance policy.

With these policies, you’ll save on any significant medical treatments your pet will need in exchange for a monthly premium. So if you’re worried about potential surgeries, make sure you choose a comprehensive plan that provides the most affordable options.

What is the best pet insurance for surgery?

Pet insurance prices and coverage will likely depend on your pet’s breed, age, health, and other factors that will come up in a sort-of pet underwriting. The insurer will want to make sure that it will have a chance to make a profit on the policy before it pays out on significant illnesses.

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How does pet insurance work?

Pet insurance works similarly to standard insurance, where you pay a monthly premium in exchange for help paying for medical issues. The insurer won’t pay immediately, though, and you’ll have to meet the deductible before the insurer starts paying.

After you meet your deductible, the insurer will pay somewhere between 50% to 100% depending on your coverage and what you pay into premiums.

What is the cost of pet insurance?

According to the Insurance Information Institute, the average annual premiums for dogs in 2021 were as follows:

  • $218 for accident-only coverage
  • $594 for accident and illness

The monthly pet insurance for dogs is affordable, with the monthly rates coming out to $18 and $49, respectively. Cats may be slightly less expensive due to their safer nature and penchant for being inside animals. Even cheaper still are birds, lizards, and rabbits.

Will pet insurance save money?

When you enroll in an insurance plan, the idea is that it will save you more money in the long run than you end up paying in premiums. You can get reimbursed from 50% to 80% of your pet’s medical expenses with pet insurance. With this insurance, your pet can be taken care of without breaking your bank.

What does pet insurance cover?

As a member of your family, you don’t want to see your pet in any pain or discomfort. Having a comprehensive vet plan can take care of a variety of pre-emptive and emergency conditions, including:

  • Accidents: Cuts, bites, broken bones from accidents, and diagnostic testing
  • Sickness: Conditions like cancer, arthritis, ear infection, hyperthyroidism, etc
  • Behavioral Issues: Some comprehensive policies will help cover the cost of diagnosing and treating excessive licking, chewing, pacing

With a proper pet insurance plan, you can guarantee that you don’t go bankrupt caring for your furry one’s needs.

Does pet insurance cover ACL surgery?

Seeing as the average cost of an ACL surgery for your pet can reach the thousands, it makes sense you’d want help paying for it. Luckily, some pet insurance companies will pay for the surgery. However, whether they pay will likely depend on your policy and any pre-existing conditions that your pet may have had.

Does pet insurance cover emergency surgery?

Most pet health insurance plans will cover emergencies stemming from accidents. This can include anything from an accidental injury to accidental poisoning. More comprehensive policies extend this coverage to illness and will likely cover any emergency surgeries stemming from a general condition.

Does pet insurance cover neutering?

Typically, pet insurance doesn’t cover spaying and neutering services. That being said, some insurance companies may offer you the ability to add on the coverage for those elective surgeries.

Does SPOT pet insurance cover neutering? Yes, the company states that you can add on additional coverage to help pay for that surgery.

What does pet insurance not cover?

As with other insurance policies, there are limitations on the coverage that an insurer will give out. For example, you may have trouble getting coverage for:

  • Pre-Existing Conditions – The insurer won’t cover anything that happened before the policy started.
  • Routine Care – Standard care is typically more affordable, including teeth/ear cleaning, vaccinations, and spaying/neutering.
  • Office Fees – Most vets charge a fee when you visit the office. However, the insurer doesn’t cover these as they act more like copays.

While pet insurance can help with the costs of medical needs, having a pet can get expensive. So, it’s wise to make sure that you have the funds in place before you go in for any vet visit.

Will pet insurance cover grooming and training? Unless it’s a behavioral training specifically outlined in your policy, you likely won’t get grooming or training services covered by your policy.

Are there alternatives to pet insurance plans?

If you find that the policy can’t insure your pet due to pre-existing conditions, age, or some other factor, then you’ll likely be a little stressed as you face the costs. However, there may still be options for you to get more affordable treatment for your pets.

Some vets network together to offer discount plans for specific veterinary procedures. Unfortunately, while it may be helpful, it doesn’t provide the same savings as a pet insurance plan.

What are veterinary discount plans?

Veterinarians understand the costs that come with owning a pet can get expensive, even more when you add in surgeries or medical treatments. So to help save pet owners money, some vets network together to provide cheaper procedures.

However, it does come with risks. This network is entirely optional, and you run the risk of your vet dropping out of the discount plan.

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Pet Insurance and Surgery: The Bottom Line

If you’re worried about what the future may bring for your pet, understand that there are options to protect them. You can insure your pet with a comprehensive pet insurance policy to properly make sure that your furry ones are cared for.

Does pet insurance cover surgery quotes? That depends on the company, so enter your ZIP code below to see what you could pay for a pet surgery insurance plan today.