Best Pet Insurance That Covers Breeding

Breed-specific complications affect insurance coverage needs and costs. The Kennel Club reports Bulldogs require C-sections for 86% of litters, while French Bulldogs experience dystocia 16 times more often than mixed breeds.

For cats, the Journal of Feline Medicine and Surgery shows Cornish Rex cats need C-sections for 22% of litters, Burmese at 21% and Oriental breeds at 20%. Your pet's breed-specific risks determine which coverage options matter most and prevent overpaying for unnecessary add-ons.

Breeding costs exceed typical pet ownership expenses. Dogster reports veterinary expenses for pregnant dogs include:

Pregnancy confirmation and monitoring

• Bloodwork: $80 to $200
• Ultrasounds: Starting at $100
• X-rays: $150 to $250

Emergency care

• C-sections: $500 to $2,000 or more

Choose annual limits matching potential complications without excessive pet insurance coverage. Breeders managing multiple annual litters should consider unlimited coverage or high annual limits ($10,000+) for catastrophic costs. Occasional breeders may find moderate limits ($5,000 to $7,500) sufficient. Calculate your annual breeding activity and multiply average complication costs by expected litters.

Request quotes from at least three insurers offering breeding coverage. Provide identical information to each provider: pet's age, breed, location, deductible, annual limit and reimbursement rate. Check for available pet insurance discounts or low-income programs.

Review each policy's breeding coverage, as exclusions vary between providers. Some insurers exclude planned C-sections or routine prenatal care from breeding add-ons. Verify coverage for complications during pregnancy, whelping and nursing. Check waiting periods for breeding coverage, typically 14 to 30 days after enrollment.

Check how efficiently insurers process breeding claims before purchasing coverage. Customer reviews on Trustpilot and Reddit reveal approval rates and reimbursement speed for breeding claims. Providers with strong ratings handle specialty claims more efficiently. High denial rates or slow processing offset low premiums.

Purchase insurance before breeding your pet to avoid pre-existing condition exclusions. Most insurers require enrollment at least 30 days before breeding for complications to qualify for reimbursement. Waiting until complications arise eliminates coverage eligibility for breeding-related conditions.