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Coverage for Breeding Pets

This policy information is available in the following states: California and Washington.

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

Dogs and cats that are not spayed or neutered more commonly develop certain health conditions associated with being intact. Trupanion offers the industry’s first policy for breeding dogs and cats, so that breeders have an option to provide for the long-term health of their pets.

Intact pets more commonly develop the following health conditions.

  • Testicular cancer

  • Prostate disease

  • Mammary gland tumors

  • Ovarian cancer

  • Uterine cancer

  • Pregnancy complications

  • Unplanned cesarean section births

  • Planned cesarean births that are deemed medically necessary

  • Injuries resulting from animal aggression or being hit by a car

  • Unwanted aggressive behavior from other animals

An intact pet categorized as a breeding pet will be eligible to receive reimbursement for these conditions as long as they are not determined to be pre-existing to the start of their policy. Intact pets not categorized as breeding pets will not be eligible to receive reimbursement for the above conditions.

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 treatment. 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

1. Why is it important that a special benefits category be developed for breeding pets?

Until now breeders and owners of intact pets have been ineligible to receive coverage for certain health conditions. There are many increased risk factors associated with breeding pets and Trupanion has launched an industry-first pet insurance policy to meet the unique needs of these pet owners.

2. 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 an above normal pregnancy frequency. And some breeds, such as bulldogs must have automatic cesarean section births because of the increased risk.

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

3. How is pricing for premiums determined?

The factors that determine premiums are:

  • The cost and use of veterinary care in your area

  • Your deductible

  • The breed of your pet

  • Your pet’s age at enrollment

  • The gender of your pet

Trupanion takes pride in having the highest claim pay-out ratio in the pet insurance industry. And we’re aiming for even higher. Our focus is to work closely with veterinarians who are entrusted with the best medical care for your pet—Trupanion medical insurance for cats and dogs is an important part of responsible pet ownership and with this comes financial peace of mind.

4. Are C-sections covered?

If your pet is having a planned C-section because of medical risk factors (i.e. bulldogs), the C-section is eligible for coverage once waiting periods have been met. However, if your pet has required a C-section prior to enrollment, it would be considered a pre-existing issue and not able to be approved.

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.

5. How is this different from other pet insurance company’s breeding programs?

Other pet insurance providers offer ‘breeder programs’ but these programs do not insure the breeding pet. These programs are a way for breeders to send their puppies and kittens home with dog and cat insurance - Trupanion also has a breeder program like this. And while other providers may claim to cover breeding pets, no other company covers conditions related to pets being intact, including complications from pregnancy and whelping. We are the first in the industry to offer this type of coverage.

* Terms and conditions apply. See our policy for details. Residents of WA or CA see our policy here. Residents of all other states, Puerto Rico, and Canada, see our policy here

 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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