Detailed Answer
Whether penile implant surgery is covered depends on your country’s health system and on your insurance plan. Rules differ from country to country and from plan to plan.
The 2025 EAU Guidelines on Sexual and Reproductive Health do not address insurance coverage. They state that a penile prosthesis may be considered for men who are not suitable for different drug treatments or prefer a definitive therapy, and who do not respond to other treatment options.¹ Many plans and health systems look at whether these criteria are met, so your urologist’s documentation of the treatments you have already tried can matter.
Before you schedule surgery, ask your urologist’s office to check your benefits, ask whether your plan or health system needs to approve the surgery in advance, and request a written estimate that covers the surgeon, the facility and anesthesia. See also the average cost of a penile implant.
From the Guidelines
"The surgical implantation of a penile prosthesis may be considered in patients who i) are not suitable for different pharmacotherapies or prefer a definitive therapy; and, ii) do not respond to other treatment modalities." (p. 55)