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Is Dental Coverage Worth It?
Dental coverage can help pet parents get back on expensive dental treatments, including:
Tooth extractions
Dental disease
Dental services like caps, crowns, and root canals
Dental cleanings
Do Dogs Need Dental Coverage?
Over 80% of dogs, 3 years and older, show signs or symptoms of dental disease4. In 2025, dog parents faced with vet bills for this condition pay over $1200*. With a Spot plan, pet parents can get up to 90% cash back on the cost of treatment for dental disease.
Do Cats Need Dental Coverage?
About 85% of cats over 6 years old are affected by periodontal disease5. With an average treatment cost of over $1100, cat parents can struggle when faced with such a high vet bill. Spot plans can help protect your pet and your wallet by reimbursing up to 90% of treatment costs for dental disease in cats.
Do Spot Plans Cover Pre-existing Dental Conditions?
Spot, like most other pet insurance companies, cannot cover pre-existing dental conditions. However, if a condition is curable, cured, and free of treatment or symptoms for 180 days, it will no longer be considered pre-existing and can be covered.
Dental Coverage FAQs
Which dental conditions are covered under an accident only plan?
Which dental conditions are covered under an accident and illness plan?
How often do pets need dental cleanings?
What is the waiting period for dental coverage?
Happy Pet Parents Trust Spot
It is easy to file the claims with Spot…
It is easy to file the claims with Spot Pet. We had to euthanize our dog Max last month and they sent a beautiful sympathy email and also cancelled his insurance without my having to ask. They also called and said how sorry they were that our dog passed.
Love the Spot App
Easy app to maneuver, quick to get reimbursed. These days we like easy, and spot is easy! Make sure you look at your deductible and how much they will pay on a yearly basis, but it’s all there when you sign up, with options.. 5 stars!
The company is really quick on paying claims
The company is really quick on processing the claims and reimbursment.
Very easy to submit a claim and refunds…
Very easy to submit a claim and refunds are there within a week every time!
Excellent and hassle free process
Excellent and hassle free process. The application for a claim was simple and detailed. Turn around was quick and without complication’s.
Excellent experience
Excellent experience. The claim process was very simple and painless. Also I love the speed in which the claim was processed. The payment was fair. The only issue I have is the monthly cost; a little expensive, but given the return it is worth it.
The easy claim process
The easy claim process. And quick payment release for reimbursement. I love doing business with them.
I got the refund of my vet bill very…
I got the refund of my vet bill very fast. It was easy to fill out the claim forms, so I can recommend Spot Pet insurance.
Super Easy Process
The process of submitting claims is easy and only requires a few questions along with documentation of visit and invoice. Then just waiting period for review. The EOB is also great for explaining what is covered and not covered in your policy.
Love the quick review and payment of…
Love the quick review and payment of claims!
*Based on 2025 Spot Pet Insurance Services, LLC. Claims data
(1) Advertised premium is from 12.11.24 based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 33801. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
(2) Advertised premium is from 12.11.24 based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
(3)Animal Dental Services. “How Often Do Dogs and Cats Need Teeth Cleaning.” Animal Dental Services, 30 July 2024, animaldentalservices.net/how-often-do-dogs-and-cats-need-teeth-cleaning/.
(4)Cornell University College of Veterinary Medicine. “Periodontal Disease.” Cornell University College of Veterinary Medicine, 2025, www.vet.cornell.edu/departments-centers-and-institutes/riney-canine-health-center/health-topics/canine-health-information/periodontal-disease.
(5)Pet Health Plus Veterinary Hospital. “Dentistry | Pet Health plus Veterinary Hospital.” Pet Health plus Veterinary Hospital, 2024, www.php-vet.com/services/general/dentistry.