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
Easy application
Easy application, pretty quick response.
Spot truly cares about their customers…
Spot truly cares about their customers and their pets!! Claims are processed super quickly, and I can have a peace of mind knowing that if anything were to happen to my cat, Spot will be there for me.
Our puppy was very sick
Our puppy was very sick, we sent the claim in and we shortly received a message that we would get a refund. It was easy to work with them. And we suggest Spot to everyone .Thank you
Easy to file quick processing and fair…
Easy to file quick processing and fair reimbursement
Easy to submit invoices
Easy to submit invoices, fast response. I have not yet received reimbursement checks, but not worried.
Easy to use app
Easy to use app! Easy to enter and track claims!
Review my policy
Once I reviewed my policy and met the deductibles I was able to submit my claim. We all need to read what is covered, my two rescues are my family and need to treat them as such. The policy paid the portion within a couple of days.
Amazing insurance!!!!
Totally recommend
Spot makes it very simple to place a…
Spot makes it very simple to place a claim with lots of options for doing so. I chose to use snail mail and have had no difficulty. Spot lets me know when they receive my claim, when they have processed the claim, and what the payment is. I find Spot a very good pet insurance and will recommend Spot to my friends.
Spot Pet Insurance is helpful!
I called Customer Service several times, and the customer service rep was helpful in figuring out the answer to my question. They covered things that I didn't think would be covered by my policy. It took a little bit of effort for me to submit all the info they required, but once that was done the process moved relatively quickly. Only issue was that the website didn't show updates to what was happening with my claim right away, but I was able to call Customer Service and they verified where we were in the process.
*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.