Does pet insurance cover neutering?

Key takeaways

• Pet insurance plans don’t usually cover neutering costs

• Vet fees for neutering are typically between £100 and £400, with spaying for females normally more expensive than castrating male dogs

• Neutering can potentially reduce pet insurance costs as neutered pets are less likely to develop certain health problems

• Neutering can make pets easier to manage as well as preventing unwanted pregnancies

What is neutering?

Neutering is the general term for sterilising pets so they can no longer reproduce. In males this is usually castration, and in females it’s typically spaying.

Neutering is usually a routine surgical procedures carried out under general anaesthetic, followed by post-operative pain relief and aftercare.

There is also a non-surgical option known as chemical neutering, where an injection or implant temporarily reduces fertility in male pets. This method does not involve surgery and is reversible, but it isn’t available for all species and isn’t a permanent solution.

Neutering isn’t limited to cats and dogs — rabbits and other small animals can also be neutered. In some cases, pets with certain health conditions may need an alternative procedure such as a hysterectomy or vasectomy, which removes or alters the reproductive organs but still prevents breeding.

Why should I get my pet neutered?

Neutering your cat or dog can be beneficial for pet health. For females, it prevents life-threatening infections like pyometra and greatly reduces the risk of mammary cancer. For males, it eliminates the risk of testicular cancer and lowers the chance of prostate problems. For both sexes, neutering reduces hormone-driven issues and helps protect pets from injuries linked to roaming or fighting.

Behaviourally, neutering can reduce roaming, scent-marking, and some types of hormone-related aggression, as well as curbing mounting or spraying. It won’t change your pet’s core personality, and it doesn’t automatically cause weight gain. It also prevents unwanted litters, easing pressure on rescues and preventing accidental pregnancies.

Common myths include the idea that pets should have a litter first or that they’re “too old” to be neutered. In reality, there’s no health benefit to having a litter, and healthy older pets can often be neutered safely with appropriate checks. Timing varies by breed and size, especially in dogs, so it’s best to follow your vet’s guidance.

Overall, neutering is a routine, safe procedure that offers the following long-term benefits to pets and owners:

When should I get my pet neutered?

Your vet will be able to advise you about the best time to get your pet neutered.

You can get your dog neutered from as young as six-months-old, with females often being spayed after their first season.

Cats can be neutered after reaching four-months-old, but it's advisable to keep them indoors until the procedure to prevent early pregnancies.

How much does neutering cost?

Neutering typically costs between £100 and £400, with spaying for females normally more expensive than castrating males. Neutering bigger dogs could cost even more.

The cost will depend on:

• The type and breed of your pet.

• The location of the veterinary practice.

• Your pet's gender, age, size, and weight.

• The health and behaviour of your pet at the time of surgery.

How much does it cost to neuter a cat?

According to ManyPets, the average cost to neuter (castrate) a male cat is about £103.82, and to spay a female cat is about £148.83.

PetPlan gives a rough range of £100–£200 for a male, and £150–£250 for a female.

Some cat owners may be able to get help from a charity. For example, Cats Protection runs a neutering financial assistance programme which provides vouchers for neutering via local branches or vet practices. Eligibility usually includes people on certain benefits or with a household income under a threshold.

The Celia Hammond Animal Trust runs two low-cost veterinary clinics (Lewisham and Canning Town, London) that provide neutering for cats belonging to low-income owners, with costs starting from £35 for castration and £45 for spaying.

Some local RSPCA branches also run financial assistance / neutering schemes.

How much does it cost to neuter a dog?

The cost of neutering a dog can vary depending on the dog’s size/weight. For example, Henlow Vets lists:

• Small dog (< 10 kg): £290 for castration, £350 for spaying

• Medium (10–25 kg): £325 for castration, £410 for spaying

• Large (25–40 kg):  £375 for castration, £500 for spaying

Some RSPCA branches offer a reduced cost neutering service for owners on low incomes.

Some vets offer payment plans through a credit company if pet owners need help spreading the cost. Not every vet can offer this, but it's worth asking if this is an option. 

What type of pet insurance includes neutering?

None of the four main types of pet insurance cover neutering as standard. Like pet vaccinations, microchipping, and flea and worm treatment, neutering is seen as routine pet care that owners must pay for out of pocket.

Are neutering and spaying covered by pet insurance?

No, neutering is not usually covered by pet insurance, regardless of the policy type.

This is because sterilisation is considered a preventative or elective measure, not an emergency.

However, if there are complications arising from the surgery, the insurance company may cover those specific treatment costs.

Some lifetime insurance plans may cover part of the cost of neutering if the policy includes a wellness or preventative care element.

Does neutering reduce the cost of pet insurance?

Yes, neutering your pet can lead to lower insurance premiums. Neutered pets are less likely to stray, get into fights, or develop certain health issues. And, obviously, females will not get pregnant.

All these factors reduce the likelihood of needing to make an insurance claim, meaning your pet insurance might be cheaper.

How do I find the right pet insurance for me?

If you're looking for the best pet insurance, MoneySuperMarket is a valuable resource for comparing UK pet insurance quotes. By entering your pet's details, you can find cover options that cater to your needs and budget, ensuring your pet is protected.