Is sterilization or castration covered by animal insurance?


At the base of all human society are words. To understand each other and develop harmonious relations without misunderstanding, it is imperative that everyone gives the same definition to the terms exchanged. This evidence takes on particular importance when it comes to understanding and interpreting the terms of the contract concluded between an insurer and its client. What is it when we talk about sterilization of an animal?

Animal insurance against sterilization surgeries

Sterilization consists of rendering an animal unfit for reproduction, through deliberate and deliberate human intervention. Two veterinary acts can produce this effect:surgical intervention and the chemical sterilization. Depending on their accounting and commercial strategy, insurance companies can offer several coverage options risk:

  • No support, for any type of sterilization,
  • Taking control of all types sterilizations, regardless of the sex of the animal,
  • Taking control of all types sterilization, for a sex defined (male or female),
  • Taking control of one or the other types of sterilization, without distinction sex,
  • Taking control of one or the other types of sterilization for a sex defined (male or female).

The specific conditions of the contract specify the degree of coverage for the option chosen (total, partial or fixed).

Surgical sterilization

Sterilization by surgical intervention is irreversible, whatever the breed or sex of the animal. Common in dogs and cats, it can be performed on all pets, including New Pets (NAC). The advantages of surgical sterilization are legion and its drawbacks are rare and reversible (weight gain, incontinence, etc.). In addition, it helps to increase the life expectancy of pets.

Surgical sterilization of females

The two operating modes main, consist of:

  • To remove the ovarian system, (oophorectomy),
  • To perform, at the same time, the removal of the uterus (ovario-hysterectomy).

The latter solution is often beneficial for the animal. Not only does it suppress the heat and its procession of biennial calamities (menstrual bleeding, nervous pregnancies, milk rush …), but it prevents certain serious conditions, such as hormonal dependent cancers (cysts and breast tumors) as well as the pyometra.

Finally, a third option, the fallopian tube ligation, is possible, but rarely practiced, because it does not generate any real benefit for the animal or for the owner. Of course, it avoids pregnancy, but does not suppress the production of sex hormones, heat, or the health risks that accompany them.

Surgical castration of males

In males, the most practiced solution istesticular removal. It is a simple operation, with many morphological and behavioral effects. Most often, a reduction in vocal manifestations (barking, meowing, howling …), a less aggressiveness with respect to other males, the absence of urine markings of the territory or the reduction in attempts to running away. Castration also prevents the risk of prostate tumors or some testicles.

Another form of surgical sterilization of males, vasectomy, consists of cutting or ligating the vas deferens, between the testes and the urethra, thus depriving the sperm of supply of sperm. It is a purely contraceptive method which in no way modifies the behavior of the animal and does not provide any protection against serious hormonal diseases.

Surgical sterilizations in animal insurance

Male or female, sterilization prevents the risk of certain viral contaminations, often fatal (AIDS, leucosis …) and overcrowding wandering. She even becomes mandatory for classified attack or dangerous dogs in category1 (Pit bulls, Boerbulls, Tosa…). These findings are driving more and more insurers to participate in surgical operations. preventive sterilizations.

When it comes to‘medical indications, surgical sterilization is almost systematically taken care of from the basic formulas. The amount of reimbursements varies from one company to another and according to the chosen formula. “All risk” health formulas generally include both options.

Chemical sterilization of females

Chemical sterilization of the female can be carried out by administering, at the time of heat, an oral hormonal treatment, this is the pill well known. This contraception must absolutely be preceded by a prior veterinary examination, and then be administered at home. It requires a good knowledge of the animal’s fertility cycles and exposes it, in the long term, to serious risks health issues, such as breast tumors.

Contraception by injection of hormones seems less invasive, but more expensive. It requires a first bite after the heat, a reminder 4 months later, then every 5 months.

Chemical sterilization of males

Chemical castration consists of blocking the production of testosterone by hormonal inputs. Two administration techniques are used:

  • Direct injection of progestogen, with a short duration of effect (from 3 weeks to a few months),
  • The implantation under the skin of a device gradually releasing hormones, for a maximum of one year.

These techniques, simple but subject to contraindications and some side effects, can be repeated several times. Their main interest lies in its reversibility. This can be useful during certain treatments, or to control, on the animal, the behavioral effects of castration and thus confirm the relevance of a future surgical castration.

Chemical sterilizations in animal insurance

The chemical sterilization of companion animals is a relatively recent technique, which still fuels a debate, within the veterinary body, in particular for females, in which these medications are most often reserved for therapeutic purposes.

These treatments are still considered, by many insurance companies, as comfort operations. As such, they are generally not supported. The recognized therapeutic use may, for its part, be included in the coverage panel of certain formulas. It is prudent to have the reimbursement conditions confirmed on this subject with your insurer.

The cost of sterilization

The cost ranges associated with sterilizations are wide. They vary according to the sex of the animal, its age, its sexual maturity, its weight, the type of sterilization and the rate freely applied by the veterinarian. Count on average, as an indication:

  • Between 300 and 500 € for ovariohysterectomy in bitch and less than € 180 in the cat,
  • Between 150 and 300 € for surgical castration in dogs and less than 90 € in cats,
  • Between 30 and 80 €, Twice a year for chemical castration.

More generally, the financial consequences of the well-being and the legitimate maintenance of good health of your companion deserve an in-depth examination of the multiple forms of animal insurance. Do not hesitate to consult, free of charge and without risk of commitment, the comparison made available to you on this site.

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