They Think We’re Pretty Cool:
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
Focus on what was important
Easy to submit my claim and fast reimbursement! I was very thankful to have Spot insurance so I could focus on what was important.
Easy to submit claims and receive…
Easy to submit claims and receive reimbursements. Online platform is great!
I submitted a claim on Tuesday and by…
I submitted a claim on Tuesday and by Friday it was approved. I’m so grateful that spot insurance was able to help my cat in a time of need.
Prompt
Prompt, detailed responses, continuous access to my claim. Speedy process.
I'm grateful to Spot for so quickly
I'm grateful to Spot for so quickly, and helpfully, processing my claim.
Claim reimbursement
Timely and helpful
Great so far!
So far they have covered my claims and been easy to work with and prompt to reimburse. Happy with SPOT:)
Great and easy system to use
Great and easy system to use, did not give me a hard time at all to submit my claim. Especially during such a stressful circumstance with my dog.
Placing a claim is so easy
Placing a claim is so easy. No complicated forms to fill out, just easy instructions. Check what dog seen for, and continue on to the end. Communication is great with company, if anything is needed, they send a email letting you know what's needed and also your vet to get what is needed. Payment is fast,and if you have direct deposit, they'll send it right to your bank. Customer service is very friendly and so helpful if questions are needing to be asked. This is the first time I have ever used a Pet insurance, and I am so happy that I chose Spot Pet Insurance.
I have been overall quite happy with…See above. Note- I reviewed the entirety of my experiences with Spot for this review, not just one visit. This includes the reasons why I like Spot.
I have been overall quite happy with Spot Pet insurance for my cat, until my last claim. Whereas my rating would have been at least 4 stars until that time, it is now 3 stars. I am hopeful this will escalate again. My positive comments- Spot claims are easy to submit. Spot has received my invoices and medical records, and then responded within 2 weeks with payment. I had heard that they would repeatedly ask for records they already had on file, but this did not happen (until my last claim.) I am very happy with the Spot coverage not only for vet care, but also for exams, and Rx food. I have Trupanion for all of my other animals, and they do not have these latter two options. In addition, and most importantly, you also offered coverage for my cat starting when he was 14 years old. Whereas, my long term pet carrier Trupanion would not do so, despite me having had numerous past and present pets insured by them. But, you cover senior animals of any age. I am very grateful for this Spot policy, especially since I often have adopted senior animals and expect I will again. Also, regarding your competitor Trupanion, a) I do like the usual 1 to 3 day turn around for reimbursement, and b) the software agreements they have with so many vet practices. This enables me to pay just my 10% of cost, plus the exam fee, when I leave a vet visit. It is not necessary for me to pay the bill in full and then wait for reimbursement. That being said, I can live with a 2 week turnaround from Spot. Because, as I said previously, Spot covers more of the actual full veterinary costs for my animals compared to what Trupanion pays. So, I can wait. So, for all of the above reasons, I had decided that I would go with Spot vs. Trupanion when I bring another cat into my home soon whom I am planning to adopt. She is a much younger cat, so I could go with Trupanion again, as I have done for years. But, overall I have liked Spot's plan better, and decided to go with Spot. HOWEVER, my last claim with Spot was problematic. Here are my negative comments/ feedback. These are offered with the hope that you can use these constructively and enact some changes regarding the issues I encountered with my last claim. This experience has prompted me to rethink whether to go with Spot, or with Trupanion, or perhaps with Pumpkin, for the new cat. Things unfolded with my last claim in a way which matched what people had warned me about concerning Spot, and not just Spot but some other carriers as well. For this claim, I was asked for past invoices for each visit to one of my vets going back in time for a full year. Yet, these very invoices, and those from his other vet as well, had ALL been submitted previously. I had provided these for each of my claims, so these were there in my records with Spot. Nevertheless, I did comply and re-submitted these invoices again. I tried to upload them on my Spot portal site. However, the icon which was sent to me in the email from Spot would only permit me to upload one invoice pdf. I had the additional requested invoices for the past year to resubmit, yet I could not accomplish this. (When we submit an initial claim, we are able to add more than one document. Not sure why this was different.) So, I called Spot. Your representative gave me the email for your Records department. I was told that Records would then pass the invoices on to the claims people. So, I sent these to Records. Then I received another request a week or so later by your claims processor(s) which reminded me that they required that I submit all the invoices for the past year so that they could process the most recent claim I had submitted. I then again called and checked with your Spot representative. I found out that the invoices I had re-sent to your Records email had never been forwarded on to claims review. Or, if these were sent over, they were never attached to my claim. I rely on the reimbursements not just for cost recovery, but also to put in a fund so that I have it available for use for my cat's future vet care. So, my thought was if this is now going to be the new norm for how Spot processes claims after being with them for awhile, then maybe I ought to reconsider another carrier for the new cat. So, that is my feedback. Overall, I am happy with Spot. The majority of experience with Spot is good, and I appreciate your coverage options. However, I do have some new concerns now, which I am hoping you can rectify on your end. If you can, I will keep using your company for my upcoming animals. Thank you for asking for honest feedback.
*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.