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Does Pet Insurance Cover C-Sections?

Are you wondering if your pet insurance will cover the cost of having puppies or kittens delivered by caesarean section? Find answers to your questions here with Savvy.   

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, updated on August 31st, 2023       

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Have you just found out that your pet is pregnant, and you’re wondering if your pet insurance covers caesarean sections in case your pet has difficulties giving birth? Find out all about what pet insurance covers, and more importantly does not cover, right here with Savvy.  

Does pet insurance cover the cost of caesarean sections?

Standard pet insurance policies typically do not cover any expenses related to pregnancy, including C-sections or any other costs related to your pet giving birth. These policies are primarily designed to provide coverage for accidents and illnesses in domestic pets, rather than planned dog or cat breeding activities.  

Therefore, if you are an animal owner looking to cover the costs of a C-section for your pet, or any other breeding or birth-related expenses such as scans or blood tests, then you may need to consider specialised pet breeders' insurance. 

What is pet breeders’ insurance?

Breeders' insurance is another form of pet insurance tailored to those involved in animal breeding activities. It provides extensive coverage for a range of breeding-related costs, including C-sections, prenatal and postnatal care, stud fees, and even coverage for the newborn puppies or kittens. This insurance is essential for responsible breeders who want to ensure the health and well-being of their animals and manage the financial risks associated with breeding. 

Keep in mind that the coverage options and terms of breeders' insurance can vary among providers, so it's crucial to research and choose a policy that aligns with your particular breeding activities and requirements. 

What cover does pet breeders’ insurance offer?

Pet breeders' insurance offers specialised coverage tailored to the unique needs of breeders and their breeding animals. This type of insurance typically includes: 

Pregnancy and birth coverage: Pet breeders' insurance often covers expenses related to pregnancy, including prenatal care, ultrasounds, and the cost of a Caesarean section (C-section) if necessary for delivery. 

Newborn puppy/kitten coverage: It may include routine care cover for the health and well-being of the newborn puppies or kittens, such as veterinary care, vaccinations, and microchipping up to a certain age 

Stud fee reimbursement: Some policies offer coverage for stud fees paid to breed your female animal with a male of the same breed. 

Loss of income: In cases where a breeder's animal becomes ill or passes away, leading to a loss of income, this type of insurance may provide compensation for the loss of breeding stock. 

Mortality coverage: Coverage for the death of breeding animals due to accidents, illnesses, or other covered events. 

Liability coverage: Provides protection against potential liability claims that may arise from selling or transferring ownership of the newborn pets. 

It's important for breeders to carefully review and select a breeders' insurance policy that aligns with their specific breeding activities, as coverage options and limits can vary among insurance providers.

Frequently asked questions about pet breeders' insurance

Is pet breeders' insurance necessary for all breeders?

While pet breeders' insurance is not mandatory, it can be highly beneficial for breeders who want comprehensive financial protection. Whether you are a professional breeder or a hobbyist, breeding animals is a significant investment, and unexpected events can lead to substantial financial losses. Pet breeders' insurance offers a safety net, helping you manage the financial risks associated with breeding  

Can I customise a pet breeders' insurance policy?

Yes, many insurance providers offer the flexibility to customise pet breeders' insurance policies according to your specific breeding activities and needs. This customisation allows you to tailor the coverage to match the types of animals you breed, the scale of your breeding operation, and the level of risk you want to mitigate. 

How does pet breeders' insurance differ from regular pet insurance?

Pet breeders' insurance differs from regular pet insurance in its scope and focus. Regular pet insurance primarily covers the health and wellness of individual pets, including accidents, illnesses, and routine veterinary care. In contrast, pet breeders' insurance is tailored specifically for breeders and their breeding activities. It extends coverage to include pregnancy, birth, newborn care, stud fees, loss of income due to breeding issues, mortality coverage for breeding animals, and liability claims related to breeding. 

What factors affect the cost of pet breeders' insurance?

The cost of pet breeders' insurance will vary based on several factors. These may include the breed of animals you specialise in, the number of animals you want to insure, the coverage limits you choose, and the excess amount you select. High-value or rare breeds may have higher premiums due to their market value and potential breeding income. 

Compare pet insurance

Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget. 

site-logos Fetch Care Plan

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$30,000 $100 80%, 90% or 100% pros-item-petins pros-item-petins

Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.

More details
site-logos Petsy Most Popular 80% Cover $150 Excess

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$25,000 $150 80% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

More details
site-logos Fetch Premium Plan

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$30,000 $0 80% or 90% pros-item-petins pros-item-petins

Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.

More details
site-logos Knose Pet Insurance

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$7,500, $12,500 or $25,000 $0 / $100 / $200 70%, 80% or 90% pros-item-petins pros-item-petins

Multi-award winning pet insurance designed with the help of vets.

More details
site-logos Petsy Value Cover 80% Cover $500 Excess

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$10,000 $500 80% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

More details
site-logos Petsy Top Cover

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$25,000 $0 / $150 / $500 90% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

More details

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