Flawed Reasoning

I am really unhappy with dotsure - I had to take my female dog to get spayed due to behavioral issues caused by her not being spayed - the amount for the spay was R3150 - I did not do this for her not to get pregnant I did this so that she will not be aggressive and bite people and or other dogs.

I was told that that only R475 would be paid of the spay amount.

I really don't understand the reason behind not paying this out in full- I did this out of necessity to avoid a like Third-Party claim which could amount to a hell of a lot more than just R3150. (She already bit a dog twice because of not being spayed and resulted in hospitalization of the dog WHICH I paid for out of my pocket)

So me being proactive and making sure that my pets are healthy and doing things that in the long run would result in fewer claims, I am being penalized for this?

I don't understand the reasoning