MoneyGeek addresses common questions about the best pet insurance that covers breeding below:
Best Pet Insurance That Covers Breeding
Updated: April 28, 2026
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Best Pet Insurance That Covers Breeding Costs: Fast Answers
What is the best pet insurance that covers breeding?
According to our analysis, the following companies offer the best pet insurance for breeding:
- Rainwalk: Best Breeding Pet Insurance Overall
- AKC: Best Breeding Pet Insurance With Unlimited Coverage
Does pet insurance cover breeding?
Depending on the insurer, pet insurance may cover breeding complications such as emergency complications like C-sections, pyometra (uterine infection), mastitis (mammary gland infection), eclampsia (calcium deficiency) and gestational diabetes. Coverage applies only to unexpected medical emergencies during pregnancy, whelping or nursing periods. Only a few pet insurance companies cover breeding, and they require you to purchase an optional add-on, which increases pet insurance costs.
When should I purchase pet insurance that covers breeding?
Most insurers require enrollment before breeding begins to avoid pre-existing condition exclusions that could result in denied coverage. Waiting periods for breeding coverage range from 14 to 30 days after enrollment. If you wait until complications arise, you won't qualify for coverage.
What's the difference between emergency and planned C-sections for coverage?
Emergency C-sections occur when unexpected complications during labor require immediate surgical intervention to save the mother or puppies. Planned C-sections are scheduled in advance for breeds prone to birthing difficulties. Pet insurance companies that cover breeding generally exclude planned C-sections from coverage, focusing on unexpected medical emergencies that may arise during delivery.
Which breeds need breeding coverage most?
Pet insurance is worth it for breeds with high complication rates. For dogs, Bulldogs and French Bulldogs have the highest risks. For cats, Cornish Rex, Burmese and Oriental breeds experience frequent complications. Even breeds with lower complication rates benefit from coverage, as unexpected emergencies can occur during any pregnancy. Before purchasing coverage, compare multiple quotes and understand the fine print to get the cheapest pet insurance with quality breeding coverage.
MoneyGeek analyzed all 18 direct pet insurance providers, evaluating coverage terms, conditions and customer experience for breeders. We gathered quotes for dogs and cats across 200+ breeds, ages 1 to 20, in all 50 states to ensure accurate pricing representation for your pet.
What Are the Best Pet Insurance Companies That Cover Breeding?
Rainwalk ranks first for breeding pet insurance with a MoneyGeek score of 3.7 out of 5. The company offers strong customer service and competitive pricing. AKC provides another option with unlimited annual coverage limits.
How We Decided the Best Pet Insurance Providers for Breeding
*All scores and rates presented here were based on averages for experiences and pricing for cats and dogs from the age of less than 1 years old up to 20 years of age across over 200 breeds and all 50 states. This allowed us to calculate the most comprehensive score possible while considering all pet owner needs.
Best Pet Insurance for Breeding by State
AKC offers the best breeding pet insurance in 37 states, with monthly rates as low as $37 in Arkansas. Rainwalk takes the top spot in the other 13 states, including Alabama, Georgia, Idaho, Illinois, Kansas, Maine, Michigan, Tennessee, Utah and Virginia.
Data filtered by:
Select
| Arkansas | AKC | $37 |
| North Dakota | AKC | $41 |
| Alabama | Rainwalk | $41 |
| Oklahoma | AKC | $44 |
| Kentucky | AKC | $47 |
| South Dakota | AKC | $47 |
| New Mexico | AKC | $48 |
| Missouri | AKC | $48 |
| Montana | AKC | $48 |
| Rhode Island | AKC | $48 |
| Louisiana | AKC | $49 |
| Kansas | Rainwalk | $49 |
| Indiana | AKC | $49 |
| Mississippi | AKC | $50 |
| West Virginia | AKC | $50 |
| Tennessee | Rainwalk | $51 |
| Iowa | AKC | $51 |
| Georgia | Rainwalk | $52 |
| Wyoming | AKC | $53 |
| Nebraska | AKC | $54 |
| North Carolina | AKC | $54 |
| Vermont | AKC | $54 |
| Utah | Rainwalk | $55 |
| South Carolina | AKC | $55 |
| Ohio | AKC | $56 |
| Michigan | Rainwalk | $57 |
| Idaho | Rainwalk | $57 |
| Alaska | AKC | $58 |
| Hawaii | AKC | $59 |
| Virginia | Rainwalk | $59 |
| Pennsylvania | AKC | $60 |
| Texas | AKC | $61 |
| Delaware | AKC | $61 |
| Nevada | AKC | $61 |
| Maryland | AKC | $62 |
| New York | AKC | $63 |
| Illinois | Rainwalk | $63 |
| Florida | AKC | $63 |
| Minnesota | AKC | $63 |
| Washington | AKC | $64 |
| Connecticut | AKC | $66 |
| Wisconsin | AKC | $68 |
| New Hampshire | AKC | $69 |
| Maine | Rainwalk | $70 |
| New Jersey | AKC | $70 |
| Oregon | AKC | $72 |
| California | AKC | $73 |
| Arizona | AKC | $73 |
| Colorado | AKC | $73 |
| Massachusetts | AKC | $80 |
How We Decided the Best Breeding Pet Insurance by State
*All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Best Pet Insurance for Breeding by Breed
AKC ranks as the best breeding pet insurance provider across over 200 cat and dog breeds we analyzed. Rainwalk is the best option for Affenpinscher and Australian Mist. AKC wins as the better provider, but it often has more expensive coverage than Rainwalk.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | AKC | $25 |
| Small Mix (11-25) | AKC | $28 |
| Small Mix (0-20) | AKC | $29 |
| Small Mix (1-10 pounds) | AKC | $29 |
| Mixed breed Small (up to 20lbs when full grown) | AKC | $29 |
| Small Mix (10 and less pounds) | AKC | $30 |
| Mixed Breed Small (>10 lbs) | AKC | $30 |
| Mixed Breed Small (11-30 lbs) | AKC | $31 |
| Chihuahua | AKC | $31 |
| Domestic Shorthair | AKC | $32 |
| Bombay | AKC | $33 |
| British Longhair | AKC | $33 |
| Small Mix (11-30) | AKC | $33 |
| Australian Mist | Rainwalk | $33 |
| Russian Blue | AKC | $34 |
| Ragdoll | AKC | $34 |
| Small Mix (25 and less pounds) | AKC | $34 |
| Maltipoo | AKC | $34 |
| Siamese | AKC | $35 |
| Small Mix (22 pounds or less) | AKC | $35 |
| Morkie | AKC | $35 |
| Shih Tzu | AKC | $36 |
| Chinchilla | AKC | $36 |
| Devon Rex | AKC | $36 |
| Toy Mix (10 and less pounds) | AKC | $36 |
| Munchkin | AKC | $36 |
| Mixed Breed Medium (31-50 lbs) | AKC | $36 |
| Norwegian Forest cat | AKC | $36 |
| Cockapoo | AKC | $36 |
| Himalayan | AKC | $37 |
| Birman | AKC | $37 |
| Tonkinese | AKC | $37 |
| Bengal | AKC | $37 |
| Cavapoo | AKC | $37 |
| Snowshoe | AKC | $37 |
| Burmese | AKC | $38 |
| Miniature Poodle | AKC | $38 |
| Serengeti | AKC | $38 |
| Jack Russell Terrier | AKC | $38 |
| Medium Mix (20-55 pounds) | AKC | $38 |
| Cornish Rex | AKC | $38 |
| British Shorthair | AKC | $38 |
| Scottish Fold | AKC | $38 |
| Maltese | AKC | $39 |
| Puggle | AKC | $39 |
| Savannah | AKC | $39 |
| Toy Poodle | AKC | $39 |
| Havanese | AKC | $39 |
| Balinese | AKC | $39 |
| Yorkshire terrier | AKC | $39 |
| Cavachon | AKC | $39 |
| Schnoodle | AKC | $40 |
| Medium Mix (31-59 pounds) | AKC | $40 |
| Persian | AKC | $40 |
| Shiba Inu | AKC | $40 |
| Siberian | AKC | $40 |
| Medium Mix (26-50 pounds) | AKC | $40 |
| Medium Mix (20-70 pounds) | AKC | $41 |
| Medium Mix (31-50 pounds) | AKC | $41 |
| Sphynx | AKC | $41 |
| Groodle | AKC | $41 |
| Australian Shepherd | AKC | $42 |
| Exotic Shorthair | AKC | $42 |
| Abyssinian | AKC | $42 |
| Coton De Tulear | AKC | $42 |
| Maine Coon | AKC | $42 |
| Lhasa Apso | AKC | $43 |
| Mixed Dog (21-50 pounds) | AKC | $43 |
| Dingo | AKC | $43 |
| Japanese Chin | AKC | $43 |
| Pomeranian | AKC | $43 |
| Dachshund | AKC | $43 |
| Papillon | AKC | $43 |
| Basenji | AKC | $44 |
| American Hairless Terrier | AKC | $44 |
| Miniature Pinscher | AKC | $44 |
| Large Mix (51-110 pounds) | AKC | $44 |
| Australian Silky Terrier | AKC | $44 |
| Japanese Spitz | AKC | $44 |
| Border Collie | AKC | $45 |
| Peruvian Hairless Dog | AKC | $45 |
| Australian Terrier | AKC | $45 |
| Miniature Dachshund | AKC | $45 |
| Fox Terrier | AKC | $45 |
| Border Terrier | AKC | $45 |
| English Toy Terrier | AKC | $45 |
| Shetland Sheepdog | AKC | $45 |
| American Eskimo | AKC | $45 |
| Goldendoodle | AKC | $46 |
| Labradoodle | AKC | $46 |
| Pekingese | AKC | $46 |
| West Highland White Terrier | AKC | $47 |
| Brussels Griffon | AKC | $47 |
| Husky | AKC | $47 |
| Welsh Springer Spaniel | AKC | $47 |
| Miniature Schnauzer | AKC | $47 |
| Bichon Frise | AKC | $47 |
| Norfolk Terrier | AKC | $47 |
| Miniature Fox Terrier | AKC | $47 |
| Australian Cattle Dog | AKC | $48 |
| English Foxhound | AKC | $48 |
| German Pinscher | AKC | $48 |
| Large Mix (51-100 pounds) | AKC | $48 |
| Norwich Terrier | AKC | $48 |
| Italian Greyhound | AKC | $48 |
| Large Mix (Over 70 pounds) | AKC | $48 |
| Finnish Lapphund | AKC | $48 |
| Giant Mix (111 pounds+) | AKC | $48 |
| Irish Terrier | AKC | $48 |
| Affenpinscher | Rainwalk | $48 |
| Bearded Collie | AKC | $48 |
| Large Mix (61+ pounds) | AKC | $48 |
| Medium Mix (23-70 pounds) | AKC | $49 |
| Mixed Breed Large (51-90 lbs) | AKC | $49 |
| Wire Fox Terrier | AKC | $49 |
| Icelandic Sheepdog | AKC | $49 |
| Norwegian Elkhound | AKC | $49 |
| Petit Basset Griffon Vendeens | AKC | $49 |
| American Foxhound | AKC | $49 |
| Siberian Husky | AKC | $49 |
| Cairn Terrier | AKC | $49 |
| Large Mix (55-90 pounds) | AKC | $49 |
| Boston Terrier | AKC | $49 |
| Beagle | AKC | $50 |
| Whippet | AKC | $50 |
| Australian Kelpie | AKC | $50 |
| Welsh Corgi Cardigan | AKC | $50 |
| German Spitz | AKC | $51 |
| Field Spaniel | AKC | $51 |
| Standard Schnauzer | AKC | $51 |
| Cavalier King Charles Spaniel | AKC | $51 |
| Foxhound | AKC | $52 |
| Pembroke Welsh Corgi | AKC | $52 |
| Welsh Corgi Pembroke | AKC | $52 |
| Mixed Breed | AKC | $52 |
| Mixed Dog (51-90 pounds) | AKC | $52 |
| English Springer Spaniel | AKC | $52 |
| Welsh Terrier | AKC | $52 |
| Pug | AKC | $52 |
| Pointer | AKC | $52 |
| Giant Mix (110 pounds+) | AKC | $53 |
| Large Mix (60-109 pounds) | AKC | $53 |
| Medium Mix (26-59 pounds) | AKC | $53 |
| Small Mix (0-25) | AKC | $53 |
| Collie | AKC | $53 |
| Soft Coated Wheaten Terrier | AKC | $53 |
| Keeshond | AKC | $53 |
| German Shorthaired Pointer | AKC | $54 |
| Samoyed | AKC | $54 |
| Bracco Italiano | AKC | $54 |
| Smooth Collie | AKC | $54 |
| Mixed Dog (91 pounds+) | AKC | $54 |
| English Setter | AKC | $54 |
| Italian Spinone | AKC | $54 |
| Standard Poodle | AKC | $55 |
| Basset Fauve de Bretagne | AKC | $55 |
| Scottish Terrier | AKC | $56 |
| Belgian Shepherd Malinois | AKC | $56 |
| Giant Mix (100 pounds+) | AKC | $56 |
| Rough Collie | AKC | $56 |
| English Pointer | AKC | $56 |
| Harrier | AKC | $56 |
| Vizsla | AKC | $57 |
| Staffordshire Bull Terrier | AKC | $57 |
| Portuguese Water Dog | AKC | $58 |
| Alaskan Husky | AKC | $58 |
| Cocker spaniel | AKC | $58 |
| Irish Setter | AKC | $59 |
| Briard | AKC | $59 |
| Alaskan Malamute | AKC | $59 |
| German Shepherd | AKC | $59 |
| Labrador Retriever | AKC | $59 |
| Clumber Spaniel | AKC | $59 |
| Puli | AKC | $59 |
| Tibetan Terrier | AKC | $60 |
| Corgi | AKC | $61 |
| Airedale Terrier | AKC | $61 |
| Akita | AKC | $61 |
| Old English Sheepdog | AKC | $61 |
| Chow Chow | AKC | $62 |
| Golden Retriever | AKC | $62 |
| Saluki | AKC | $63 |
| Afghan Hound | AKC | $63 |
| Hungarian Vizsla | AKC | $64 |
| Dalmatian | AKC | $65 |
| Alsation | AKC | $65 |
| Miniature Bull Terrier | AKC | $65 |
| Rhodesian Ridgeback | AKC | $65 |
| Petit Basset Griffon Vendeen | AKC | $66 |
| Estrela Mountain Dog | AKC | $66 |
| Pitbull | AKC | $67 |
| Komondor | AKC | $67 |
| Alsatian | AKC | $68 |
| Bull Terrier | AKC | $69 |
| Basset Hound | AKC | $69 |
| American Staffordshire Terrier | AKC | $69 |
| Central Asian Shepherd Dog | AKC | $70 |
| Small Mix (20 and under pounds) | AKC | $70 |
| Greyhound | AKC | $71 |
| Lurcher | AKC | $71 |
How We Decided the Best Breeding Pet Insurance by Breed
*All rates presented here were based on average pricing for cats (7 years old) and dogs (6 years old) across all 50 states.
Best Breeding Pet Insurance Provider Reviews
We examine in detail what sets apart each of our top pet insurance providers for breeding coverage.
Rainwalk: Best Breeding Pet Insurance Overall
pros
Strong customer service ratings
Free 24/7 virtual vet consultations
Optional breeding add-on for emergency complications
cons
Only available in 45 states
Doesn’t cover planned C-sections or routine prenatal care
COMPANY HIGHLIGHTS
Rainwalk provides the best breeding pet insurance overall, combining excellent customer service with competitive rates that average $60 monthly for dogs and $30 monthly for cats. The company provides an optional breeding rider covering emergency C-sections, pyometra, mastitis, eclampsia and pregnancy complications, though adding this endorsement increases premiums. Also, it doesn’t include planned C-sections or routine prenatal care.
Coverage starts after a waiting period of 14 days, featuring up to 90% reimbursement, annual limits between $5,000 and $20,000, deductibles from $100 to $750 and free virtual vet visits for any breeding-related questions. Rainwalk maintains a 4.6 out of 5 rating on Trustpilot and 71% positive sentiment on Reddit, with five out of seven comments reflecting favorable experiences.
AKC: Best Breeding Pet Insurance With Unlimited Coverage
pros
Unlimited annual coverage available
Covers breeding-related complications at an additional cost
Offers breeder discounts
cons
Breeding coverage limited to dogs
Excludes planned C-sections
COMPANY HIGHLIGHTS
As our other pick for the best breeding pet insurance, AKC secures the top coverage score in our analysis for its broad coverage options that include annual limits up to unlimited, financially protecting breeders from catastrophic costs when complications from delivery exceed typical policy limits. The company covers emergency C-sections, mastitis, eclampsia, gestational diabetes and pyometra if you purchase its optional breeder add-on. It also offers a 10% breeder discount for the AKC Breeder of Merit Program and Bred with H.E.A.R.T. program participants. However, this add-on is only available for dogs and doesn’t include planned C-sections and routine, preventative or elective procedures.
How to Get the Best Cheap Pet Insurance That Covers Breeding
Getting pet insurance that covers breeding complications at an affordable cost doesn’t have to be complicated. Follow the steps below to secure quality coverage without overpaying.
- 1Understand breeding-risks specific to your pet
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.
- 2Research breeding costs
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
- 3Determine coverage limits for breeding
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.
- 4Compare quotes from multiple providers
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.
- 5Evaluate the terms and conditions for breeding
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.
- 6Research claim approval rates and customer experience for breeding
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.
- 7Enroll early to maximize breeding coverage
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.
Best Pet Insurance That Covers Breeding: Bottom Line
Rainwalk is our pick for the best breeding pet insurance overall, providing excellent customer service and competitive rates. AKC is the top option for unlimited annual coverage, though its breeding coverage is limited to dogs. Compare multiple quotes, understand the policy’s terms and conditions and read company reviews before purchasing coverage to ensure you get the best value for pet insurance that covers breeding.
Learn more about the top pet insurance companies to determine the best option for your pets:
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Dogster. "What Are the Vet Costs for a Pregnant Dog? 2025 Price Update." Accessed October 30, 2025.
- Journal of Feline Medicine and Surgery. "Feline Dystocia and Kitten Mortality Up to 12 Weeks in Pedigree Cats." Accessed October 30, 2025.
- The Kennel Club. "Birthing Difficulties in Brachycephalic Dogs." Accessed October 30, 2025.