Ovariohysterectomy under general anaesthesia, including pre-op bloodwork, IV fluids and pain control at most clinics.
Mid-point of the typical range. San Francisco highlighted.
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90% reimbursement, no payout caps, pays many US clinics directly at checkout.
Get a quote →App-first, low base premiums, optional wellness add-ons for vaccines and dental.
Get a quote →Covers exam fees and dental illness, with a diminishing deductible each claim-free year.
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Most San Francisco clinics charge between $595 and $1,310 in 2026. Specialty and emergency hospitals sit at the top of that range; neighbourhood clinics sit lower.
Vet prices track rent, wages and clinic competition. San Francisco runs about 40% above the national average across our index.
Usually not. It is treated as routine or elective care, though wellness add-ons may reimburse part of it.
Dog size and weight (medication and anaesthesia scale with weight), whether bloodwork or imaging is needed first, after-hours timing, and whether a specialist is involved.
Ask for an itemised estimate, compare two clinics, check veterinary-college teaching hospitals, ask about payment plans, and use insurance if the dog was covered before symptoms started.