Is neutering or de-sexing covered by pet insurance?

De-sexing a dog or cat is one of the most common vet procedures in Australia.

As de-sexing is optional for pet owners it is not usually covered by pet insurance. However, with our best insurance plan, comprehensive cover with the extra Routine Care option, we will contribute $70 Annual Benefit towards the cost of de-sexing your pet.

For a monthly premium of $10.96 Routine Care gives you additional annual benefits of up to $165 towards regular preventative vet treatments:

  • $30 – Vaccinations or health check
  • $10 – Heartworm test or blood screen
  • $10 – FeLv/Fiv test or urinalysis
  • $45 – Flea /tick/worm control
  • $70 for one of the following services: de-sexing, microchipping, heartworm preventative medication, teeth cleaning, council registration fees, alternative therapies, prescription diets, de-clawing or cremation / burial.

1300 Insurance’s Pet Protect is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard), is promoted and distributed by Hollard’s Authorised Representative (AR) 1300 Insurance Pty Ltd ABN 83 126 093 696, AR 327609 and is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing. PDS and Target Market Determination available at