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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
I had a great experience with Spot
I had a great experience with Spot. Was kind of nervous this being the first time for a claim. Received reimbursement 1 week later to my delight. I was expecting delays & hassles. But everything went smooth. No hold ups. I’m a very happy customer! Staying with Spot.
Spot Pet Insurance is absolutely the…
Spot Pet Insurance is absolutely the best! As being new to this insurance I didn’t know what to expect but it was above and beyond of my expectations Fast and easy to file claim and covered 90 percent which was deposited into my account within a week I highly recommend this insurance to everyone that has a pet!
They are very reliable
They are very reliable
Very quick and excellent service
Very quick and excellent service. I received my refund without any questions. The site is very easy to use.
I HIGHly recommend Spot insurance
I HIGHly recommend Spot insurance. Quick and EASY claim submissions and NO hassle reimbursements sent right to my bank.
Wowie
Wow, your processing time was good and I got paid almost the whole pet bill, if I did not have the deductible. I like the direct deposit aspect also.
Easy From Start To Reinbursement
My experience with SPOT has been A+. Everything from the staff that picks up the phone, uploading documents, vet notes and invoices was very easy and the turnaround time for processing a claim, and the reimbursement were pretty quick and effortless. I love the app as it keeps you updated with what’s happening with your claim. I’m very pleased with SPOT!
great
great thank you!
Brandy was a SUPER help!!!
Brandy was a SUPER help!!!! Restored my faith in the kindness of peoplle! She could give lessons on how to deal with senior citizens. Every generation has a different knowledge base. The younger generaation has a technology base. Seniors, like me (88 yrs old), have a much different knowledge base. I'll bet asking a youngster to do a treble crochet in the back loop, would leave them perplexed.
Easiest Thing Ever
Claim submission is easy, user friendly, and their submission review process is very quick! I have tried other pet insurance companies--none of them are as efficient, or give the most bang-for-your-buck!
*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.