Pet Insurance Policies on Surgery
There are numerous reasons why a pet would possibly need a surgical procedure. Techniques can vary from fundamental ones, which include neutering, to more complicated and costly ones, such as foreign object removal, cancer treatment and more. The expenses of these ranges on factors like the animal, the vet, and the situation. For instance, if a dog needs surgery to get rid of a swallowed object, the cost may range from a few hundred bucks or even more than that.

Do pet insurance cover surgery expenses?
Pet insurances might assist in covering the surgery if it is the result of an accident or illness that is coverable under that insurance policy. For instance, emergency surgery required for repairing a broken bone might be covered. A few insurance plans may also include the treatment for deadly illnesses such as cancer. So in case, your pet needs to have a tumor removed, some of the expenses associated with the surgery for tumor removal may be covered. However, the important point to be noted is that the expenses related to pre-existing conditions are generally not covered, according to NAPHIA.

Pet Insurance Companies that offer coverage for surgeries/emergency situations

• Nationwide
  There are two different plans offered by the Nationwide which covers the expenses required for the pet surgeries-
  Whole Pet: This plan provides coverage for the surgeries, hospitalization, exams, lab tests, X-rays, prescriptions, chronic and hereditary conditions as well as wellness exams. The best part is there is no waiting period and the coverage starts at $64/month.
  Major Medical: This plan also covers surgeries and hospitalization; however, a waiting period is applicable to this plan. It also offers coverage for the most common medical expenses which include exams, lab tests, X-rays, prescriptions, chronic conditions, hereditary conditions. The coverage starts at $34/month.
• Pets Best
  The Pet health insurance from Pets Best offers coverage for emergency situations such as surgeries, hospitalization, and accidents. It also offers coverage for illnesses, prescription medications, cancer treatments, MRS, X-ray, CT Scans and more. As soon as you meet the deductible you will receive reimbursement for all the coverable veterinary services. You need to submit the copy of your invoice and a claim online and most of the claims are processed within two business days.
• Petplan
  The Petplan pet health insurance is available in all 50 states of the US as well as in the District of Columbia. Petplan is known for offering customizable plans. Their standard coverage plan includes coverage for accidents, injuries, exam fees, imaging, diagnostic treatments, medications, cancer treatments, dental treatments, surgery, and alternative therapies as well.

Due to the fact the prices can vary so extensively, it is almost impossible to determine the average value of a surgery. To be on the safer side, it is considered sensible to plan for all kinds of scenarios.