They're worth every sleepless night. Now they're covered through every one.
The midnight cesarean. The puppy that won't latch. The stud fee lost to a missed conception. Litter covers it all.
The midnight C-section. Covered.
When your dam needs an emergency cesarean at 2 AM, the last thing you should be calculating is whether you can afford it. Litter covers surgical births from the moment labor stalls — no waiting periods for planned litters.
$3,200
avg. C-section claim paid
“No breed exclusions, ever. Bulldogs, Frenchies, Boston Terriers — all covered at the same rate.”
The stud fee that went nowhere.
A missed conception. A resorbed litter. A dog who cycles off-schedule. These losses are devastating financially and emotionally. Litter covers reproductive loss including stud fees, progesterone testing, and AI costs when conception fails.
$1,800
avg. reproductive loss claim
“Included in every plan. Not a premium add-on. Because you shouldn't have to pay extra to protect what you already paid for.”
The puppy you stayed up all night for.
You tube-fed every two hours. You slept on the floor next to the whelping box. Puppy mortality coverage acknowledges the real cost of the puppies you lose — not just the sale price, but the investment that went into bringing that litter into the world.
10 days
is when most losses occur — we cover from day one
“Coverage begins at birth. Not at eight weeks. Because the hardest losses happen in the first ten days.”
When the show must not go on.
Entry fees, travel, handler costs — a last-minute cancellation because your bitch came into season or your stud pulled a muscle can cost thousands. Litter's show cancellation coverage reimburses non-refundable expenses when a covered event forces you to withdraw.
$900
avg. show cancellation claim
“AKC, UKC, TICA, CFA — all registries covered. International shows included with the Elite tier.”
The stories behind the claims.
Every payout has a story. Here are three breeders who let us share theirs.
“My Cavalier girl needed an emergency C-section at 11 PM on a Sunday. I called the vet and my first thought was the bill — not the puppies.”
Margaret Holloway
Cavalier King Charles Spaniels · Lexington, KY
“Lost a $2,400 stud fee when my dam resorbed the entire litter at day 45. I thought that money was just gone.”
Devon Tran
Shiba Inu · Portland, OR
“As a cattery owner, every kitten I lose is an ultrasound bill I can't recoup. Litter was the first insurance that even understood the question.”
Simone Beaumont
Maine Coon Cattery · Nashville, TN
Everything you asked for.
Finally, in one policy.
Tap any item to expand the full coverage detail. One row has a surprise.
- Covers emergency and planned C-sections when medically necessary
- No breed exclusions — Bulldogs, French Bulldogs, Boston Terriers all covered at standard rates
- Includes anesthesia, surgical facility, and post-op monitoring
- No waiting period for litters already registered at policy start
- Average claim: $2,800–$3,600 depending on region
- Covers stud fees when conception does not result in a live litter
- Includes surgical and transcervical artificial insemination costs
- Progesterone testing and LH surge testing covered
- Resorbed litters covered from confirmed pregnancy (ultrasound)
- Pyometra resulting in spay covered under reproductive health rider
- Coverage begins at birth — not at 8 weeks
- Fading puppy / fading kitten syndrome included
- Covers up to the declared value per puppy/kitten at policy start
- No exclusions for heritable conditions in the first 72 hours
- Neonatal intensive care costs covered up to policy limit
- AKC, UKC, TICA, CFA, and all major registries covered
- Covers non-refundable entry fees, pre-paid handler fees, and travel deposits
- Qualifying events: unexpected estrus, injury, illness, emergency whelping
- International shows included with Elite tier
- Must be filed within 7 days of the show date
- OFA hip, elbow, and specialty clearances covered up to $400/year
- CAER (eye) examinations covered annually
- Breed-required cardiac evaluations covered
- DNA health panel reimbursement up to $250/year
- Covers re-testing if initial results are inconclusive
- Covers your stud dog or breeding queen for illness and injury
- Includes loss of use for breeding purposes due to covered injury
- Fertility testing and semen analysis covered annually
- Semen storage and chilled/frozen shipping covered for proven studs
- Coverage up to declared breeding value, not just replacement cost
No breed exclusions · Cancel anytime · Instant coverage
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