Pet Insurance That Covers Pregnancy, Breeding, C-Sections

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Pet Insurance That Covers Pregnancy, Breeding, C-Sections

Most pet insurance policies do not cover pregnancy and C-section and breeding costs. There can be too many complications and mistakes for normal pet insurance to cover.

However, there are pet insurance policies that offer specific products for breeders to ensure the best possible health care for their breeding dogs and cats (and their offspring).

Pet Insurance That Covers Pregnancy, Breeding, C-Sections
Pet Insurance That Covers Pregnancy, Breeding, C-Sections

Pet Insurance That Covers Pregnancy

Very few insurance companies cover pets during pregnancy.
ManyPets offers a range of pet insurance policies that cover complications related to your dog’s first pregnancy.

If you are a breeder, you can purchase pregnancy insurance for your dog from ManyPets Kennel Club. You must add it as part of your package.

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ManyPets Pet Insurance is the best pet insurance for pregnant dogs

Does Pet Insurance Cover A C-section?

A C-section can be a life-saving procedure for both the mother and her puppy. Unfortunately, a C-section is costly and comes with risks such as bleeding, infection, and complications from the anesthesia and the procedure itself.

These risks can lead to increased medical procedures, which will increase your veterinary costs if you’re already scheduling more visits, as puppies often need medical attention in their first year of life.

What are your options – do insurance companies cover pet C-section costs and are there a cap on coverage? Find out if you can purchase C-section insurance for your puppy.

When Do Dogs Need A C-section?

A C-section is necessary for emergency deliveries or due to a breed or health problem when natural birth is difficult. Unfortunately, some dogs have natural birth defects due to breed-specific breeding for exaggerated characteristics. This is the case with French Bulldogs, for example.

How Much Does A C-section Cost In Dogs?

The cost of a C-section in dogs depends on the size of the dog, its health status, and the place and the center where the operation is performed.

On average, a dog C-section costs between $500 and $5,000. We know that this is a wide range, but it is realistic.

That’s why we recommend getting an estimate from your veterinarian ahead of time so you can be financially prepared. If you have the time, you can also ask for a second opinion.

Does Pet Insurance Cover C-sections?

Most pet insurance policies exclude gestation, breeding, puppies, and care from their policies. However, some insurers do cover C-sections if they are medically necessary and meet certain criteria.

Insurers that cover certain types of C-sections include:

Fetch By The Dodo: An emergency C-section is eligible if the time of delivery was after a 15-day waiting period.

Figo: A C-section is eligible if it is deemed medically necessary and the day of conception/delivery was after a 14-day waiting period.

If the animal had complications during pregnancy, documented in the medical record within the 12 months before the date of insurance, or during the waiting period, the complications are not covered and the C-section is not eligible.

If the C-section is performed as a preventative measure and not as an emergency, it is not covered.

Trupanion Pet Insurance: After the waiting period has expired, an elective C-section may be covered due to medical risk factors.

ManyPets Pet Insurance: ManyPets will cover the cost of a C-section for your dog if it is necessary due to complications during conception.

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Breeding
Breeding planning is done by measuring progesterone levels after removal of the uterus or, less accurately, by examining the cells in the vaginal wall (cytology).

When the progesterone level reaches an optimal level (or when the cells show certain characteristics, if cytology is chosen), women ovulate. They are then more receptive to males and reproduction can begin.

In dogs and other breeds, the actual mating process is relatively simple. The male approaches the receptive female and inserts his flaccid penis into her. This is made possible by the glans (shaft of the penis).

Once the man is in the vagina, his penis expands. The male then pulls the female back and remains in a position called “tying” until ejaculation is complete. Then the male and female separate and the process is complete.

Males can mate several times within a few days. Dogs have a very high reproduction rate. This is due to the very long life span of male sperm (up to one week) and the fact that most females only want to mate when they are ready to ovulate.

Artificial insemination is also often used in planned reproduction. The fertilization rate is significantly lower after artificial insemination.

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Is Pet Breeding Covered By Pet Insurance?

Many pet insurance providers have plans or insurance options specifically for those who keep pets professionally.

However, you may need to choose a pet insurance plan when you first purchase pet insurance. So it’s best to find out before you buy your first pet insurance if you plan to raise your pet later.

Pet insurance coverage that has to do with breeding may increase your premiums. Check the policy’s list of exclusions, even if the insurance covers pregnant animals.

Some plans may exclude breeds that are known to have difficult deliveries or for which a cesarean section is routinely required.

You should also be especially mindful of waiting periods and other age-related restrictions, which may affect when your pet insurance covers breeding costs (especially for older animals).

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What Is the Best Pet Insurance For C-Sections And Breeding?

If you are considering adopting your dog and are wondering about a C-section, we recommend pet insurance from Fetch, Figo, Trupanion, AKC Pet Insurance, and Manypets. These five providers offer limited coverage for C-sections.

In addition to C-sections, there are many other factors to consider when choosing pet insurance.

Here are some of the issues you may encounter if you have pets or pregnant animals.

Emergency C-section
This is the surgical removal of kittens or small animals from their mother’s uterus. They are usually performed when the mother cannot give birth naturally and a C-section is scheduled in advance.

However, sometimes complications arise during delivery and the kittens do not come out or are not put to the breast. This requires emergency surgery and an immediate C-section to ensure the safety of the kittens and the mother.

Mastitis
This is an inflammation of the chest, usually caused by a bacterial infection. The treatment of this disease can be covered by breeding insurance.

Eclampsia
Eclampsia usually occurs in nursing mothers when the baby is one to four weeks old. It is a life-threatening drop in blood calcium levels. It can be caused by calcium loss during fetal bone development, milk production, or insufficient nutrient intake for pregnant or nursing mothers.

Pyometra
Pyometra is an inflammation of the uterus in dogs and cats. If left untreated, pyometra can spread throughout the body over time.

It is a serious condition that requires immediate treatment. An inflamed uterus usually needs to be surgically removed.

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How much does it cost to get your dog checked for pregnancy?
Dog Pregnancy Check Cost Between $200 – $300.
Due to the need for a blood draw and processing of the sample, a dog pregnancy test in a veterinarian’s practice costs between $200 to $300.
$200-$300 for a pregnancy blood test; $500-$600 or $300-$350 for an ultrasound; and $180-$250 for an X-ray.
What frequent health issues are connected to pet breeding?
Mammary gland tumors, ovarian cancer, and uterine cancer are more common in female dogs and non-domesticated cats.
Female cats who become pregnant more frequently than usual may also have difficulties during pregnancy. Due to the higher risk, some breeds, like bulldogs, require cesarean births.
Inbred females are more inclined to stray, which raises their chance of getting hurt in fights, getting into car accidents, or experiencing undesired aggressive behavior from other animals if they are left outside.
Pet Insurance That Covers Pregnancy Parting Words

Many pet insurance policies do not cover pregnancy, but some do. If you are interested, check to see if your health insurance company covers reproduction.

This is usually available as an additional option, which can be purchased at the same time as your basic insurance.

If you plan to breed with your dog, it is important that your pet insurance also covers pregnancy.

Unexpected medical expenses during pregnancy can be devastating. If you are considering getting a dog, you should find out before the pregnancy what your insurance will cover and what it will do.

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