does pet insurance cover pregnancy?

does pet insurance cover pregnancy?
Posted by Aliya McCullough DVM, MS on Feb 20 2020

Pregnancy can be a stressful and exciting time for both the affected pet and their pet parents. In dogs, pregnancy lasts an average of 59-65 days while in cats it can average 63-65 days. With proper care, most pets do not experience complications during pregnancy, but it does happen. If your pet does encounter a problem, pet insurance may be able to help.

Average costs of pregnancy in pets

If your pet experiences any complications during this time, you will be facing additional expenses on top of the typical costs of monitoring your pet’s pregnancy. Costs can vary depending on your location and the needs of your pet. Examples of costs for a dog or cat without complications include:

  • Prenatal care, including visits to your veterinarian for vaccines, deworming, and routine care. This may cost approximately $150-300.
  • Health clearances, which can include x-rays taken to ensure the parents do not have elbow or hip dysplasia as well as blood testing for inherited diseases. Altogether this can cost approximately $1,000.
  • Brucellosis testing to ensure both parents are free from the bacteria, Brucellosis canis, a cause of spontaneous abortion (miscarriage). This testing may run an average of $30-40.
  • Ultrasounds and x-rays to monitor pregnancy may cost about $100-250.

Pregnancy medications and treatments covered by pet insurance

If your pregnant pet experiences unexpected complications, the fees for these unforeseen treatments, such as a Caesarean section, may be covered under a pet insurance policy as long as the date of breeding falls after the waiting period of the effective date of your pet’s policy.

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Pregnancy medications and treatments not covered by pet insurance

The costs arising out of or related to breeding, pregnancy, whelping/queening (birth), nursing, and treatment of offspring are not covered by most pet insurance policies. Many pet insurance providers do not cover the routine costs of monitoring a pet’s pregnancy, such as exams, x-rays, or lab work to monitor the progress of your pet’s pregnancy.

If you are considering breeding your pet or your pet has become pregnant, talk to your veterinarian about specific recommendations for prenatal care and testing for your pet, so you know what to expect. Consider pet insurance coverage prior to your pet becoming pregnant as well, so you can be prepared should your pet have any complications.

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