Best Pet Insurance For Breeders (2023)


Disclaimer: This article is intended as an educational resource for licensed, ethical breeders and should not be used in replacement of professional veterinary advice. 

Responsible breeding begins with ensuring that the mother of your next litter has access to quality veterinary care before the pregnancy even begins, throughout gestation, during labor, and after delivery. 

Experienced breeders may already be familiar with the costs of prenatal checkups and proper nutrition, but what about if the pregnancy doesn’t go as planned? Emergency complications during whelping or queening can jeopardize the lives of the mother and her litter, requiring immediate medical attention — and likely a couple of grand out of your pocket. 

In researching the best pet insurance for breeders, we’ve nominated the following three providers for their unique inclusions:

  • Fetch
  • Trupanion
  • Nationwide

Our Top 3 Pet Insurance For Dog Breeders





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Annual Deductible

$200, $350, or $500

$0 to $1,000


Average Monthly Cost 



$25 to $60

Multi-pet Discount



5% off

Wellness Add-on




BBB Rating




Why Is Pet Insurance for Breeders Important?

Unlike human pregnancies, the average gestation period for dogs and cats is about 68 days long. And so, while it won’t take long for your dam or queen to reach full-term, just over two months is still plenty of time for medical emergencies, some of which don’t even have to do with the pregnancy itself. 

Pyometra, for example, is a life-threatening infection in the uterus that affects unspayed female cats and dogs, frequently in older ones that haven’t been pregnant in some time. 

In fact, one in five intact female dogs will develop pyometra after the age of 10. Both cats and dogs should be spayed once they’ve been retired from breeding to prevent pyometra and reproductive cancers.

Ovarian, uterine, and mammary cancers are common in unspayed female cats and dogs. While ovarian and uterine tumors are rarely malignant, 90% of mammary cancer cases in cats and 50% in dogs are metastatic and often terminal. Treatment costs for most forms of veterinary cancer can easily soar into the $10,000+ range. 

Several dog breeds, including English Bulldogs, French Bulldogs, and Boston Terriers, commonly require a canine cesarean section for a successful delivery. Whether you specialize in these breeds or not, you should still be prepared to cover the cost of a C-section should birthing complications occur. 

A handful of pet insurance providers will cover the cost of emergency C-sections, but some will only cover the procedure if the animal hasn’t had any past cesarean sections.  

We’ve included the table below for a more consolidated view of what an uninsured breeder might have to pay out of pocket for common health issues affecting queens and dams:


Estimated Expense

Ovarian cancer

$3,000 to $6,500 for diagnosis and chemotherapy/radiation; $100 to 400 for an ovariohysterectomy 

Emergency cesarean section

$500 to $4,000 


$1,000 to $3,000+ for surgery, depending on severity


$300 to $800 for diagnosis and treatment


$500+ depending on severity

How Much Does Pet Insurance For Breeders Cost?

The monthly cost of pet insurance for breeders will depend on the pet’s age, species, breed, and geographic location of the pet being enrolled. On average, dogs cost around $50 per month to insure, whereas cats cost closer to $28. 

Dogs tend to be more expensive to insure than cats simply because dogs are prone to more hereditary conditions than cats and are more likely to need medical coverage through the provider. For the same reason, older pets will cost more to insure than younger ones. 

When you generate a custom quote with any pet insurance provider, you’ll notice that it’ll ask you to provide your ZIP code. This is because your monthly rate will be curated relative to vet costs in your city. Cities and major metropolitan areas with higher costs of living will incur a pricer pet insurance premium than rural, less developed areas. 

Here’s how the price of comprehensive pet insurance coverage for female dogs and cats varies across different regions of the United States


Estimated Cost


$42.42 for dogs; $18.62 for cats


$47.90 for dogs; $18.35 for cats


$51.60 for dogs; $19.47 for cats

New York

$54.39 for dogs; $23.38 for cats

*These estimates are based on a sample policy of accident and illness coverage with a $4,000 annual payout limit, an 80% reimbursement rate, and an annual deductible of $250 for a 2-year-old alias Labrador Retriever and Siamese cat living in the capital city of each featured state. Prices are subject to change. 

Best Pet Insurance for Breeders

The vast majority of leading providers won’t cover costs related to breeding, pregnancy, or labor complications in dogs or cats, which can make shopping for pet health insurance hard if you’re a breeder. 

To help you find a few feasible options, we’ve highlighted three of the best pet insurance companies offering varying levels of coverage for dams, sires, toms, and queens. 

Fetch for Breeders 

Fetch is an excellent option for robust pet health insurance coverage made simple through its stand-alone accident and illness policy, which will cover your pet for emergency care like exam fees, diagnostics, surgeries, prescription medications, specialty care, medical boarding, and more. We also love that Fetch doesn’t have per-item, annual, or lifetime coverage caps. 

This pet insurance company doesn’t offer any coverage for wellness items, so you’ll need to finance proper preventative care, like regular vet visit fees, vaccinations, dental cleanings, parasite prevention, etc., for your dam or sire out of pocket. 

The primary reason we recommend Fetch for breeders is because it’s one of the few insurers on the market that’ll cover the costs of any complications brought on by labor, namely by Cesarean section surgery. 

Breeders should be aware, however, that Fetch will only partially reimburse expenses for medically necessary treatment related to pet pregnancy, breeding, whelping, or nursing so long as the date of pregnancy occurs after the 15-day waiting period. Fetch won’t cover pets for any breeding-related expenses if they entered the policy already pregnant, as it’ll be deemed a pre-existing condition. 

Pros and Cons


  • Has a Healthy Pet Credit program which reduces your premium by 15% for each year you go without filing a claim
  • Offers up to $1,000 worth of VirtualVet visits per year
  • 30-day money-back guarantee


  • Doesn’t have a multi-pet discount
  • No wellness plans or extra add-ons

To learn more about Fetch and its policy details, read our in-depth Fetch pet insurance review

Trupanion for Breeders

Like Fetch, Trupanion distributes its pet insurance coverage under one principal accident and illness plan with automatic unlimited annual coverage benefits for procedures, diagnostic tests, medications, hospitalization, etc., for eligible unexpected injuries and illnesses. Trupanion also doesn’t offer wellness care coverage, so you’ll need to fund that for your animal on your own dime. 

A breeder who enrolls their own cat or dog in a Trupanion policy can add the Breeding Rider to their plan, which covers enrolled pets for injuries and illnesses related to breeding, queening, and whelping. Once this feature has been added to your pet insurance policy, it cannot be removed. There are also a few exclusions to this rider that prospective Trupanion customers should be aware of, such as:

  • Routine prenatal checkups
  • Pre-planned C-sections (unless medically necessary)
  • Pre-breeding congenital condition/hip dysplasia tests like OFA and PennHip
  • Artificial insemination
  • Fertility treatment 

One hallmark of Trupanion’s pet insurance is its Breeder Support Program, which allows breeders to connect pet parents adopting from their latest litter with pet insurance for the puppy or kitten. 

Through this program, pet owners can secure coverage for their new pets with no waiting periods. Breeders will also have access to health data reports on any past litters covered through Trupanion as they grow in their new homes. Trupanion even provides breeders with kits containing new pet parent tips and brochures to send home with each of their adopters. 

Also, when breeders refer other breeders to the Trupanion Breeder Support program, they’ll receive $25 per referral through PayPal, Amazon, or Starbucks with a maximum reward amount of $600 per year. 

Pros and Cons


  • No per-item, annual, or lifetime maximums
  • Direct vet payment option so policyholders who don’t have enough money to cover large upfront vet bills can opt to have their vets compensated through Trupanion
  • Covers your pet when it travels with you anywhere in the U.S. and Canada


  • No multi-pet discount
  • No wellness coverage options

Continue reading about Trupanion in our full Trupanion pet insurance review

Nationwide for Breeders

Though Nationwide has a few standard policy options for its customers to choose from, including an accident-only plan, only the Whole Pet and MyPet insurance plans cover costs arising from whelping, emergency cesarean sections, and mastitis so long as none of these services are for a pregnancy that was present prior to enrollment. Nationwide won’t reimburse breeding-related expenses like progesterone testing, fertility treatment, or artificial insemination. 

When you enroll your cat or dog with accident and illness coverage through the Whole Pet plan, it’ll be covered with an annual limit of up to $10,000 per year for emergency exam fees, hospitalization, prescription pet food, dietary supplements, cancer treatment, chronic conditions, etc. You can choose between annual reimbursement rates of 50 or 70% through this plan.

Because Nationwide’s Whole Pet plan doesn’t cover routine care expenses, it also offers optional wellness coverage for services like physical exams, ultrasounds, prescription medications, spay/neuter benefits, and more. These riders have annual maximums of $400 and $500, depending on the level you select. 

Pros and Cons


  • Offers a 5% multi-pet discount
  • All Nationwide policyholders have access to its 24/7 VetHelpline app, with a veterinary professional on the other end offering medical advice
  • Claims are processed within an average of four days


  • Has age limits, only covering cats and dogs under 10 years old
  • Doesn’t cover postpartum and pre-mating examinations, progesterone testing, or any other diagnostics related to breeding

Visit our Nationwide pet insurance review for further details on this provider. 

Is Pet Insurance For Breeders Worth it?

Though coverage for breeding-related expenses is sparse throughout the pet insurance industry, it isn’t non-existent. By enrolling your dam or queen in the right accident and illness plan ahead of her pregnancy, you’ll have peace of mind that she’ll be covered for some complications that might arise before or after birth.  

If you’re looking for pet healthcare coverage for a retired or non-breeding dog or cat, check out our comprehensive reviews of other leading providers like Spot, Lemonade, Embrace, Healthy Paws, ASPCA, and others. 

Final Thoughts

As much as we encourage prospective pet parents to do their due diligence and screen breeders that they’re considering adopting from, breeders also have the same responsibility to vet potential buyers to ensure their intentions and lifestyles are in the best interest of the puppy or kitten. 

Ethical breeders hold an important role in keeping potential customers away from unethical commercial breeding operations. If you don’t feel like your breed is the best fit for a prospect, don’t just turn them down and send them on their way. Rather, recommend other breeds that you think might be a better match for them and then refer them to another reputable breeder so that they don’t end up inadvertently buying from a puppy mill or shoddy backyard breeder instead. 

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.