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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
Easy to file claim and fast to get…
Easy to file claim and fast to get reimbursed.
Best Experience Upon the Death of Our Cat
I bought pet insurance months ago not knowing what to expect. Our cat unexpectedly passed away due to an undiagnosed condition. Prior to this we had no claims submitted. I wasn't expecting much from the insurance but the submission was very easy for his end of life expenses. And their response to our cat's death was so very kind. They called me, sent a message via email, and we received a wonderful card. They proactivley cancelled the insurance which saved us time and future unnecessary charges. We love cats and will be adopting one again soon, and Spot Pet Insurance will definitely be a part of our life. Thank you to all at Spot for your kindness and sympathy during this time.
The Payment was fast!
The Payment was fast to my account and explanation of benefits paid were clearly written.
I have done two claims through Spot in…
I have done two claims through Spot in last 5 years, both over$1500 and other than my deductible they paid to the dime the amount I expected. Claim processed in a week and the first one was received in the 5-10 days by mail as they said and the second claim check I should get this week. Other than my own shortfalls of uploading the documentation the process was seamless. I was unable to find my Credit Union on their site so had to do mail. I spoke to them by phone in which staff answered quickly, gave me additional options on submitting the claim. Also the staff was very sympathetic about my dog. ❤️
After going through such a scary…
After going through such a scary experience, it was so nice to talk to wonderful people at Spot insurance. They made such a difference.
The Meaning of Good Customer Service
My overall experience with Spot Pet Insurance is amazing!! I’m using this adjective to describe them because on the wonderful service (s) the provider for my little furry family member. Some insurance companies will let you go on paying for services you don’t need any longer. When it was time for my renewal the rep really help me in my decision. When you file a claim they are very prompt in paying with no hassles. I’m so happy I selected this company, I’m very happy with them!!!!
They wanted to help
I was having a lot of trouble trying to submit a claim. Your representative knew just what to do. The claim was submitted and processed that week.
Took care of a lot of my very expensive…
Took care of a lot of my very expensive dog surgery and recovery now
Everything from the representatives to…
Everything from the representatives to the service was A1 for me. The representative was so helpful in answering all my questions and making me satisfied with the answers they gave I would highly recommend spot insurance to any other pet owners. Thank you so much for everything.
I had a positive experience
I had a positive experience.They were very responsive, followed up with Via email and provided the solution that I needed.
*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.