Best Pet Insurance That Covers Breeding

Different breeds face distinct breeding complications that affect pet insurance costs and coverage needs. According to The Kennel Club, Bulldogs require C-sections for 86% of litters, while French Bulldogs experience dystocia 16 times more often than mixed breeds.

For cats, research published in the Journal of Feline Medicine and Surgery shows Cornish Rex cats need C-sections for 22% of litters, followed by Burmese at 21% and Oriental breeds at 20%. Understanding your pet's breed-specific risks helps identify which coverage options matter most for your situation and prevents paying for unnecessary add-ons.

Breeding costs far exceed typical pet ownership expenses. According to Dogster, veterinary expenses for a pregnant dog 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 that cover potential breeding complications without paying for excessive coverage you won't use. Breeders managing multiple litters annually should consider unlimited coverage or high limits ($10,000+) to anticipate catastrophic costs. Occasional breeders may find moderate limits ($5,000 to $7,500) sufficient for emergency situations. Calculate your annual breeding activity and multiply average complication costs by expected litters.

Request quotes from at least three insurers offering breeding coverage to identify competitive rates. Provide the same information to each provider, including your pet's age, breed, location and coverage levels for accurate premium comparisons.

Review each policy's breeding coverage carefully, as exclusions and limitations vary between providers. Some insurers exclude planned C-sections or routine prenatal care from breeding add-ons. Verify whether the policy covers complications during pregnancy, whelping and nursing periods. Also, check waiting periods for breeding coverage, which usually range from 14 days to 30 days after enrollment.

Find out how efficiently pet insurers process breeding-related claims before purchasing coverage. Read customer reviews on platforms like Trustpilot and Reddit that mention breeding claims to assess approval rates and reimbursement speed. Providers with strong ratings often handle specialty claims like breeding more efficiently. High claim denial rates or slow processing can negate the benefits of low premiums.

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