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Pet Dental Insurance: Does My Plan Cover Cleanings & Extractions?

Keeping your furry friend healthy includes caring for their teeth and gums. Just like humans, pets can suffer from dental problems that require veterinary attention. Regular dental care is crucial for their overall well-being, but the costs associated with procedures can be a concern for pet parents. This is where pet insurance comes in – but does it cover dental care? Let's explore!

Why Pet Dental Care Matters

Dental disease is a common problem in pets, affecting up to 80% of dogs and cats over the age of three. Regular dental check-ups and dental cleanings are essential for preventing plaque and tartar buildup, which can lead to gum disease, tooth loss, and even infections that spread to other organs. Here's why pet dental care matters:

  • Prevents Pain and Discomfort: Dental problems can cause significant pain and discomfort for your pet, affecting their eating habits and overall well-being.

  • Maintains Overall Health: Untreated dental disease can lead to serious health issues like heart disease, kidney disease, and liver problems.

  • Saves Money in the Long Run: Regular dental care is much cheaper than treating advanced dental problems that require surgery or extractions.

Taking Care of Your Pet's Dental Health

Here are some tips to maintain your pet's dental health:

  • Regular Dental Checkups: Schedule annual or biannual dental checkups with your veterinarian.

  • Brushing: Brushing your pet's teeth daily with pet-safe toothpaste is ideal, but even a few times a week can help.

  • Dental Treats and Toys: Provide dental chews and dog toys designed to remove plaque and tartar buildup.

  • Diet: Choose a dental health-focused kibble that can help scrape teeth and control plaque buildup.

Understanding Pet Dental Insurance Coverage

Pet insurance coverage for dental care varies depending on the specific policy. Here's a breakdown of common scenarios:

  • Dental Cleanings: Routine dental cleanings are typically considered preventative care and might not be covered by basic pet insurance plans. Some companies offer optional add-on plans for wellness care that include dental cleanings.

  • Dental Extractions: Extractions due to accidents or illnesses may be covered by some pet insurance plans.

  • Root Canals: These more complex procedures may or may not be covered, depending on the insurance plan.

Pre-existing Conditions: It's important to understand that pet insurance typically doesn't cover pre-existing conditions. If your pet has a dental issue before enrolling in a plan, treatment for that specific condition likely won't be covered.

Expert Insights From Spot

At Spot, we see a lot of claims related to pet dental health. One of the most common conditions is gingivitis, a gum disease that affects pets just like it does people. Our data shows that Spot has received over 764 claims for gingivitis treatment, with an average cost of $782.93. Typically, gingivitis shows up in pets around 4-5 years old. This highlights the importance of good dental hygiene for your pet! Regular dental checkups and cleanings can help prevent gingivitis and other dental problems from developing down the road.


Does Pet Insurance Cover Cat Teeth Extractions?: Yes, pet insurance coverage for extractions applies to both cats and dogs, as long as the extraction is deemed necessary by a veterinarian and falls under the covered conditions within the policy.

Does Pet Insurance Cover Anesthesia?: Anesthesia is often required for dental procedures, and some pet insurance plans may cover it, but it depends on the specific policy wording. Always check your policy details for clarification.

Remember: Consult your veterinarian to determine the best dental care plan for your pet. They can recommend a cleaning schedule and assess any potential dental issues requiring treatment.

Do Spot Pet Insurance Plans Cover Dental?

Does pet insurance cover dental? Spot accident & illness plans include coverage of treatments for dental illnesses and tooth extractions for dental accidents. Spot also offers preventive care coverage options as an add-on for an additional cost, which can cover routine dental cleanings and wellness exams. Pet parents without dental coverage for their pets may want to consider Spot Pet Insurance plans for the following reasons:

  • Coverage for dental illnesses and tooth extractions for dental accidents: Spot offers accident & illness pet Insurance plans that cover dental illnesses and tooth extractions for dental accidents. The plans can help pet parents afford the cost of necessary dental care if their pet develops a dental disease or has an accident.

  • Optional add-on preventive care coverage: Spot offers preventive care coverage options as an optional add-on, which can cover routine dental cleanings to help prevent tartar and plaque buildup and also help prevent dental issues from developing in the future. Learn more about Spot Preventive Coverage.

  • Extensive coverage: Spot Pet Insurance plan options offer extensive pet insurance coverage, including accidents, illnesses, and hereditary conditions. This can help provide peace of mind for pet parents and protection for pets in case of unexpected vet bills. Know more about what are pre-existing conditions in pet insurance.

  • High customer satisfaction: According to pet insurance customer reviews on Trustpilot, Spot Pet Insurance has a high level of customer satisfaction, with many customers citing the ease of signing up, affordable pricing, and quick claims processing.

It is important to note that, like other pet insurance providers, Spot’s plans may have specific coverage limits, waiting periods, and exclusions for dental care. Pet parents should carefully review the policy details, including coverage limits and exclusions, to ensure that the policy fits their needs and budget. Check out some of the top pet insurance FAQs.

Key Takeaways

Pet dental care is an essential part of your pet's overall health and well-being. Understanding pet insurance coverage for dental procedures can help you make informed decisions about your pet's care. (Learn more about cat insurance or dog insurance.) Remember, consulting a veterinarian is crucial for creating a personalized dental care plan and determining if pet insurance with dental coverage is right for you.


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