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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
Like having Spot!
Spot has been very easy to work with. They did not hike my rates after the first year, even though my dog needed surgery.
The process online was easy to follow
The process online was easy to follow. The bills are in process quicker this time. Good communication about the process for updates on final status.
Filing claims
I filed several claims at once having 3 dogs. They were all handled quickly and the money was received in a timely manner. It was easy to follow the steps to file a claim and check on the progress. Knowing we have the insurance in case of an injury or accident provides a piece of mind.
The claim submission was easy
The claim submission was easy. I felt the response time back was very good.
Spot Insurance are quick to respond…
Spot Insurance are quick to respond with reimbursement. They have lived up to their end of the coverage for my cat and dog. I highly recommend.
Prompt response regarding reimbursement…
Prompt response regarding reimbursement payments.
Claims were easy to submit and…
Claims were easy to submit and reimbursement process was quick!!! Feel grateful to have signed up!
Easy Process, Going Good
The claims process was relatively easy, and went through with out any issues. I'm very happy with how the company has been.
Quick and fair decision
Very easy process. Thank you!
GREAT SERVICE!
GREAT SERVICE!
*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.