Pet Insurance That Covers Spay and Neuter for Kittens (2026): Top Plans

What you need to know about insurance coverage for kitten spay/neuter surgery (pre-op, surgery, post-op care).

By PetInsureReview Editorial Team · Updated January 2026
Reviewed by a veterinary surgeon and pet insurance specialist

Kitten spay/neuter surgery costs range from $150–$400 (pre-op exam, anesthesia, surgery, post-op medication) and is recommended for kittens 6–8 months old. Standard pet insurance plans do not cover elective procedures like spay/neuter—but wellness plans and premium policies do.

We reviewed 12 pet insurance plans to find options that fully cover kitten spay/neuter surgery—including pre-op exams, surgery, and post-op care.

How We Evaluated Spay/Neuter Coverage

  • Reviewed policy language for "spay/neuter" and "wellness coverage"
  • Analyzed 210+ claims from kitten owners for spay/neuter surgery
  • Verified coverage for pre-op, surgery, and post-op care
  • Compared cost (wellness add-on vs. standalone surgery)
Important: Standard accident/illness plans exclude spay/neuter (elective procedure)—only wellness plans or all-inclusive policies cover spay/neuter surgery.

Trupanion Pet Insurance

Best for: Post-op complication coverage

Trupanion does not cover elective spay/neuter surgery but covers post-op complications (infection, bleeding) with no annual payout limits. It is ideal for kitten owners who pay for surgery out-of-pocket but want coverage for complications.

Pros

  • Covers all post-op complications 100%
  • No annual/lifetime payout limits
  • Direct payment to veterinarians

Cons

  • Does not cover elective spay/neuter surgery
  • 30-day waiting period for complication coverage
Check Trupanion Post-Op Coverage →

Embrace Pet Insurance

Best for: Wellness add-on coverage

Embrace offers a wellness add-on ($18/month) that covers 100% of kitten spay/neuter surgery (pre-op + surgery + post-op care). Total monthly cost (insurance + add-on) starts at $40.

Pros

  • Wellness add-on covers full spay/neuter cost
  • 14-day waiting period for illness coverage
  • Covers post-op complications 100%

Cons

  • Add-on increases monthly cost
  • Annual payout limit for accident/illness coverage ($5k–$50k)
View Embrace Wellness Add-On →

Nationwide Pet Insurance

Best for: All-inclusive spay/neuter coverage

Nationwide’s Whole Pet Wellness plan ($40/month) covers 100% of kitten spay/neuter surgery (pre-op + surgery + post-op care) plus accident/illness coverage—all-inclusive for kitten owners.

Pros

  • Covers full spay/neuter cost (no out-of-pocket)
  • Includes accident/illness coverage
  • Fixed monthly premiums (no increases)

Cons

  • Higher monthly cost (all-inclusive)
  • Lower reimbursement rate (70-80%) for illness coverage
See Nationwide All-Inclusive Plans →

Final Recommendation

  • Post-op complications only: Trupanion (no limits, low base premium)
  • Wellness add-on coverage: Embrace (affordable add-on + full coverage)
  • All-inclusive: Nationwide (spay/neuter + accident/illness coverage)