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.

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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.

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Learn more about our pet insurance policies.

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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.

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Progressive Advantage Agency, Inc. refers consumers seeking Progressive® Pet Insurance to Companion Protect and to ORIC for such coverage. Neither Companion Protect nor ORIC is affiliated with Progressive.

“Progressive Pet Insurance” is administered by Companion Protect Agency, LLC, a licensed insurance agency known nationwide (except in CA) as “Companion Protect Agency, LLC” (Iowa license #1002314428) (FL License # L106403); in California, it is known as “CP Pet Insurance Services, LLC” (CA license #0N14138). It is located at 11460 Tomahawk Creek Parkway, Ste 300, Leawood, KS 66211. Companion Protect receives a commission on policies underwritten in this program. Premium is paid monthly in advance of coverage. A service or payment fee may also apply if premium is paid by credit/debit card. (See your billing statement.) A deductible and copay are applied to claims. Policyholders have the option of an annual coverage benefit of $5,000, $10,000, or $20,000. You can cancel coverage at any time; a pro-rated refund may apply. For a copy of Companion Protect’s privacy policy, please visit your customer portal at progressive-my.petscovered.com.

The insurer of this program is Old Republic Insurance Company (“ORIC”). This description of the pet insurance coverage provided by ORIC is for informational purposes only. No representation is made with respect to coverage in any specific fact, situation, or circumstance. Companion Protect underwrites and adjusts claims on behalf of ORIC under this program. ORIC’s program administered by Companion Protect is not offered by or sponsored by Companion Life Insurance Company or its affiliated companies.

PAA receives compensation from Companion Protect that may vary based on the policy you buy. Call Progressive at 855-347-3139 for more details.

Discounts vary based upon eligibility. Discounts may not be cumulative. Price, coverage, and coverage terms vary by state and depend upon policy provisions. Please refer to your policy for details.

Progressive Advantage Agency, Inc. (PAA) refers consumers to Pets Best Insurance Services, LLC who offer and administer pet insurance coverages underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company, a Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254. Pets Best (CA agency #0F37530) is a licensed insurance agency located at 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details. Pets Best and the insurers are not affiliated with Progressive.

PAA and Progressive are not responsible for insurer or coverage selections, policies issued, claims, the content or operation of others' websites, or how others handle or use your information. Information you provide to others is subject to their privacy policies and website terms of use, and may be shared with us.

PAA receives compensation from Pets Best that may vary based on the policy you buy. Call Progressive at 855-347-3139 for more details.

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout.

Price, coverage, and coverage terms and conditions may vary between insurers. Coverage and discounts may not be available in all states and situations. Eligible expenses and coverages may vary, depending on your plan selection. All coverage is subject to policy terms and conditions.