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
Such an easy claims experience
Such an easy claims experience, I don’t use it often but still quick to navigate. Thank you!
Ease of use
Ease of use, website was great. Update on additional information needed, plus understanding the info was best requested directly from the veterinarian. Reimbursement was received quickly, explanation of benefits paid was clear..
Filed a claim for my dog having a small…
Filed a claim for my dog having a small mass removed from under her eyelid. The claim was handled without any issues and was completed in less than a week.
What I like about spot is you can…
What I like about spot is you can submit your claim through their app and they respond within a few days. Their timely and the insurance is an excellent insurance because it gives back to you what they said they would.
Quick processing of the claim
Quick processing of the claim, However, it would of been nice if you paid for the Bordella vaccine.
Reimbursed for Dog's ACL surgery with no issues
Making a claim is super easy, and they reimbursed me for my dog's ACL (ccl) surgery with no hassle. Thank you!
Excellent service
The ease of filing claims and the timeliness of payment are always "spot on" lol. I've filed for major surgeries as well as other smaller issues
I appreciate all ‘
I appreciate all ‘
Claim handled fast.
Claim handled fast.
Fast processing of claim
I recently submitted a claim for my pet, though I was initially told it would take up to 4 weeks, it was processed in a week. The claim submission process is very simple and easy. Thanks for the awesome 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.