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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?
Spot’s accident-only plans can help pet parents get cash back on the cost of tooth extractions or treatment for dental injuries caused by unexpected accidents.
Which dental conditions are covered under an accident and illness plan?
Spot’s accident and illness plans include all the coverage of accident-only plans, with the added benefit of coverage for dental conditions like periodontal disease and other dental diseases.
How often do pets need dental cleanings?
Dogs and cats should have their teeth professionally cleaned at least once a year3.
What is the waiting period for dental coverage?
Spot’s accident-only and accident and illness plans have a waiting period of 14 days before coverage becomes active.
Happy Pet Parents Trust Spot
Having coverage for my dog was one of…
Having coverage for my dog was one of the best decisions I've ever made!
Quick response and reimbursement was…
Quick response and reimbursement was fast thank you
Quick and paid.
Quick and paid.
I have been so thankful for this…
I have been so thankful for this insurance. The response time, clear communication and ease of use has been amazing. We have all 4 pets on it. And although times are tough, this insurance has helped us through so much. Thank you!
Easy to process my claim
Easy to process my claim. Website was wonderful.
filing a claim was easy and quick
filing a claim was easy and quick. response was quick
A Companies Proficient actions.
The proficiency that your company performed, made it easy and a pleasure to do business with.
Personable and Proficient
Everyone there is personable, proficient, and available! We love it there!
Every Dog Needs Insurance
Spot has been the best decision I have made regarding my two darling dogs. We have coverage on so much including some preventive stuff. Most importantly, we just had to have surgery on one dog's knee and having the coverage was a HUGE help.
Easy and quick
Easy and quick
*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.