Pet Insurance 101

Does Fetch Pet Insurance cover pregnancy?

Team Fetch

June 8, 2023

minute read

First things first: if you’re here, your pet might be pregnant, or trying to get pregnant. Congratulations on becoming (or close-to-becoming) a grand-pet-parent. For dogs, pregnancy lasts an average of 59-65 days, while for cats, it can take around 63-65 days. With proper care, most cats and dogs do not experience complications during pet pregnancy, but it does happen. It’s always a good idea to stay prepared with Fetch Pet Insurance.

Average costs of pregnancy in pets

As a pet parent, it’s important to understand the vet costs for a pregnant dog or cat. Examples of pet pregnancy costs without complications include:

Prenatal care for dogs, including visits to your vet for vaccines, deworming and routine care. This could cost around $150-300.
Health clearances, which can include X-rays taken to ensure your pet doesn’t have elbow or hip dysplasia, as well as blood testing for inherited diseases. Altogether, this can cost around $1,000.
Brucellosis testing to ensure both dog or cat parents are free from the bacteria, Brucellosis canis, a cause of miscarriage. This testing may run an average of $30-40.
Ultrasounds and X-rays to monitor your pet’s pregnancy may cost about $100-250.

If your pet experiences any complications during their pregnancy, predictably, costs can go up.

Pregnancy medications and treatments covered by Fetch

If your pregnant pet experiences unexpected complications, the fees for these unforeseen treatments, such as a Cesarean section, may be covered under Fetch’s pet insurance policy. The answer to the questions like “does pet insurance cover cesarean?” or “does pet insurance cover emergency c-sections?” depends on variables such as whether the date of breeding falls after the waiting period of the effective date of your pet’s policy.

Pregnancy medications and treatments not covered by pet insurance

The costs related to breeding, pregnancy, whelping/queening (birth), nursing and treatment of offspring aren’t covered by most pet insurance policies. Some pet insurance providers don’t cover the routine costs of monitoring a pet’s pregnancy, such as exams, X-rays, or lab work.

If you’re considering breeding your pet, or your pet has become pregnant, talk to your vet about what they recommend for prenatal care and testing so you know what to expect. It’s also worth considering Fetch’s pet insurance coverage before your pet becomes pregnant, so you can be prepared for any complications and associated costs.

The Dig, Fetch Pet Insurance's expert-backed editorial, answers all of the questions you forget to ask your vet or are too embarrassed to ask at the dog park. We help make sure you and your best friend have more good days, but we’re there on bad days, too.

Dog

Explore our products

Pet Insurance

Dog Insurance

Cat Insurance

This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by XL Specialty Insurance Company, a Delaware Corporation, or AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2024 Fetch, Inc.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. MarketWatch, NerdWallet, Forbes Advisor and Rover are Fetch partners. Unmatched according to The Dodo, May 2022.

Fetch is a registered trademark owned by Fetch, Inc. Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.

Fetch pays back up to 90% of unexpected vet bills