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Coverage for Breeding Pets

Trupanion is the first pet insurance provider to cover certain health conditions associated with breeding dogs and cats.

Cats and dogs that are intentionally bred to produce (usually) new purebred cats and dogs, or that are crossbred to produce entirely new breeds can be covered for illnesses and injuries related to breeding, whelping, and queening if you add our Breeding Rider to your policy.

Note: If your pet is pregnant at the time of enrollment, claims related to the current pregnancy are ineligible for coverage.

Real-Life Example

Avery is a one-year-old Sphynx cat from Vaudreuil-Dorion, Québec (Canada) that is insured with Trupanion as a breeding cat. When Avery became pregnant, she suffered from a difficult labor, called dystocia. Avery was admitted to an emergency hospital where she received x-rays, ultrasounds, and labor-inducing medication, among other treatments. Because of Trupanion’s breeding coverage, Avery’s owner was able to recover 90% of the cost of treatment.

What is Not Covered

The following conditions are not covered under our core policy or our breeding pets category. These are planned, expected expenses that can be included in a budget.

  • Planned caesarian births (unless medically necessary)

  • Routine prenatal examinations

  • Pre-breeding tests

  • Fertility treatment

  • Artificial insemination

How to Enroll

To receive coverage for breeding-related conditions, pet owners must classify their pet as a breeding pet at the time of enrollment. Enrollment is fast and easy. Simply start a quote here on our website or call our toll-free Customer Care Center at 855.591.3100 where we have qualified staff ready to serve you 24 hours a day, seven days a week.

Frequently Asked Questions

What are the common health concerns associated with breeding pets?
Male dogs and cats that are not neutered more commonly develop testicular cancer and prostate disease. Female dogs and cats that are not spayed more commonly develop mammary gland tumors, ovarian cancer, and uterine cancer. Females can also develop complications related to pregnancy due to above-normal pregnancy frequency. And some breeds, such as bulldogs, must have cesarean section births because of increased risks.

Both intact males and females have an increased desire to roam, which, if they are let outdoors, increases their risk of sustaining injuries in fights or auto accidents, or unwanted aggressive behavior from other animals.

Are C-sections covered?
If your pet is having a planned C-section because of medical risk factors (e.g., Bulldogs), the C-section is eligible for coverage once waiting periods have been met.

If you plan a C-section due to concerns that the pet may whelp outside of normal business hours (not planned specifically due to medical risk factors), that would be considered preventative/elective in nature and not available for coverage.

All unplanned C-sections are eligible for coverage once waiting periods have been met.

 3 Reasons to Choose Trupanion

  1. One Simple Plan

    One simple and comprehensive plan

  2. 90% Coverage

    We cover 90% of actual veterinary costs*

  3. No Payout Limits

    No dollar limits on the cost of care if your pet becomes sick or injured

Find out more


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