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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
Very pleased with this company
First, I think Spot has better coverage than a lot of the other Insurance products on the market. Second, and more importantly, they processed my case very quickly and issued the reimbursement directly to my bank. Lastly, they are reasonably priced for better coverage. As long as prices stay the same I have no reason to look around for alternatives.
Great service
The process to submit a claim is easy and the response time is fast! So far I’ve had a great experience
The ease and submitting billing is so…
The ease and submitting billing is so nice and stress free.
Great Experience!
Great Experience! Very quick to communicate and let me know the status of a claim. Quick reimbursement following our pup's surgery. Best decision we've made as pet owners! Highly recommend.
I was extremely amazed how easy and…
I was extremely amazed how easy and quick it was to process the claim and to received the refund within a few days - already telling anyone I know if they don’t have insurance they should get spot
you take care of the claims quickly
you take care of the claims quickly, and that is very impressive and thoughtful,
Reliable
I received 100% of the claim that was outlined in my pet’s coverage in less than two weeks.
Super Easy and Beneficial
Found out my dog had two broken teeth, one of which had been abscessed. With the emergency vet appointment and the surgery, the total came to nearly $2000. The process for filing and getting the refund was super easy and took a lot of weight off my shoulders.
Easy website to navigate
Easy website to navigate
Spot Insurance has been fabulous...The…
Spot Insurance has been fabulous...The process is seamless and easy..Thank you
*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.