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
They are fast, reliable and reimburse claims
They are fast, friendly and actually reimburse for legitimate vet costs, unlike corrupt companies like Metlife Pet Insurance. Spot also offers a convenient way to file claims online or via email. Their monthly premium is excellent. The only Improvement I can think of. Is for Spot to insure rabbits as well. I highly recommend Spot Pet Insurance to all other dog owners.
It was relatively easily to submit the…
It was relatively easily to submit the claim, and it was processed in a very reasonable period of time.
First time I sent in a claim and it was…
First time I sent in a claim and it was so easy and you responded, paid immediately! Thank you
prompt refund
Great customer services. Easy to file claim.
Accuracy....completion of claim in a…
Accuracy....completion of claim in a timely manner....ease of filing a claim
Great Service Just recommended SPOT to a person in…
Just recommended SPOT to a person in the pet store. Great, quick service and easy app to follow. Our refund was handled in a timely fashion.
I’m so grateful be back with spot there…
I’m so grateful be back with spot there customer service excellence I have no problems with staff specially Ty to Niki
Great user friendly website for claims
I pay monthly, but I've already gotten back a lot of my monthly fees due to my dog having liver enzyme issues.
Ease of enrollment
Ease of enrollment. Had SPOT prior to this it was a fantastic experience. Would highly recommend this insurance.
My dog was recently diagnosed with…
My dog was recently diagnosed with glaucoma at the early age of 4.5 years old. Spot has made it super easy to submit claims and get reimbursed!
*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.