How much does it cost to neuter/spay a pet and will pet insurance cover these costs?


Jade Poole from I write words

neuter or spay a pet

The cost of pet ownership doesn't come cheap, and when it comes to pet sterilisation, the question of pet insurance coverage comes up.

Whether you have recently adopted a new furry member of your family or you are in the process of considering it (it is a big decision to make after all), deciding to sterilise your pet is quite possibly the most important decision you can make for your pet’s health.

In this blog, we dig into the costs of sterilising pets, the benefits of pet insurance and the importance of choosing to spay or neuter your pet.

What is spaying/neutering?

Spaying is a procedure that involves the removal of your female pet’s ovaries and uterus.

Neutering involves removing your male pet’s testicles. Both of these procedures are pretty standard and require minimal hospitalisation.

What are the costs involved in spaying or neutering my pet?


The cost to sterilise a female cat is roughly R1 100 to R1 500. This cost will vary depending on her weight.

The cost to sterilise a male cat is roughly R700 to R1 000. This cost is typically a set price and will not vary based on the weight of your male cat.


The cost to sterilise a female dog is roughly R1 800 to R2 100. This will vary depending on weight.

The cost to sterilise a male dog is typically R1 300 to R1 500.

If there are any complications or additional medication required, these costs will increase. For example, if your female pet is on heat, additional procedures and costs will incur.

When should pets be sterilised?

Most vets recommend that you sterilise your pets at six months old, this is before females come on heat.

What are the consequences and costs of not sterilising your pet?

The consequences of not sterilising your pet are far more than unwanted puppies and kittens that you will have to feed, care for and find homes for.

Unsterilised male pets are more likely to roam about and land themselves into trouble, from getting hit by a car or getting into fights with other pets and in worst-case scenarios, never finding their way back home.

Your female pet will lead a longer and healthier life as spaying helps prevent uterine infections and even breast cancer which is fatal in as many as 50% of dogs and 90% of cats. Spaying your female pet before she comes on heat is an effective way to protect her from diseases such as these.

Did you know that the cost to treat cancer which requires surgery and chemotherapy is estimated between R2 000 to R6 000? And uterine infections which require emergency surgery in life-threatening conditions can cost as much as R8 000?

Adding to this, sterilised pets are better behaved, plus sterilising your pet helps prevent pet overpopulation. There are already far too many pets in need of homes due to unplanned litters that could have been prevented by sterilising pets.

Does pet insurance cover the costs of spaying and neutering?

If you have a pet insurance plan with Oneplan (that’s us), we include the costs of voluntary sterilisation as a Routine Care benefit. This means that your chosen plan needs to have this benefit. The amount of money you can claim for will depend on the limit of your chosen plan.

Boost up your routine care benefits

Thanks to our newly added add-on product, should you purchase Routine Care Plus as an additional benefit to our Hospital, Classic and Super plans, then you can reap the rewards of added routine care limits.

Routine Care” means preventative care for your cats and dogs and includes, voluntary sterilisation, vaccinations, deworming, flea control, and anal gland expression, dental scaling and polishing and nail clipping.

How to claim for routine care events with Oneplan

If you haven’t already heard about our pawsome Onecard and paperless claims system, then you are in for a treat!

When you become a member of the Oneplan family, we will send you your very own Onecard.

Your Onecard allows you to pre-load funds for Vet and Routine Visit claims (as per this Policy Schedule) via our Oneplan App or via our call centre.

It’s basically like a smart and simple debit card! Funds can be pre-loaded before visiting your veterinarian.

All you have to do is:

  1. Login to our Oneplan App
  2. Load a claim
  3. Money is loaded onto your Onecard
  4. Swipe at the vet

Once your veterinary visit is completed, you can swipe your Onecard at the provider to the limit available.

We require a detailed copy of your invoice to validate your claim or to facilitate a refund, this can be snapped and uploaded in the app. Should you utilise the pre-loaded funds on your card and the claim is assessed as being invalid, the claim will be rejected, and you will be required to pay the funds utilised.

There is a one (1) month waiting period from the date of Inception for Health Cover.

It is important to note that all Health Cover Limits form part of the Annual Cover Limit.

If you’ve got any more questions, hit up our team and let’s chat!

Yours in quality pet insurance you could cuddle,


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