Does Trupanion cover breeding costs?

Trupanion is the first pet insurance provider to create specific coverage for certain health conditions associated with breeding dogs and cats.

Cats and dogs that are intentionally bred can be covered for illnesses and injuries related to breeding, whelping, and queening if you add our Breeding Rider to your policy.

Note: If your pet is pregnant at the time of enrollment, the current pregnancy will be considered pre-existing, and related claims will therefore be ineligible for coverage.

Why do breeding dogs and cats need medical insurance?

Female dogs and cats that are not spayed are at higher risk of developing mammary gland tumors, ovarian cancer, and uterine cancer. Female breeding pets can also develop pregnancy complications due to above-normal pregnancy frequency. Some breeds, such as Bulldogs, must have cesarean section births because of increased risks due to their physiology.

Intact females have an increased desire to roam, which, if they are let outdoors, increases their risk of sustaining injuries in fights or auto accidents, or unwanted aggressive behavior from other animals.

What isn’t 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 caesarean births (unless medically necessary)
Routine prenatal examinations
Pre-breeding tests
Fertility treatment
Artificial insemination

How to enroll

Enrollment is fast and easy. Simply contact our customer care team at 855.210.8749! We're here to help you 24 hours a day, seven days a week.

In the meantime, check out our Breeder Support Program.

Trupanion breeder coverage in real life

Avery, a one-year-old Sphynx cat from Vaudreuil-Dorion, Québec (Canada) was 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 animal hospital where she received x-rays, ultrasounds, and labor-inducing medication, among other treatments. Because of Trupanion’s breeder coverage, Avery’s owner was able to save on 90% of the treatment costs and focus on getting Avery well again.