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?
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
Quick response.
Quick response.
Straight forward submission process and…
Straight forward submission process and quick refund!
Fast turnaround
Fast turnaround
EASY!
My claim was settled quickly with a minimum of effort! I emailed the Vet bill and the Vet sent my dog’s records and that was it! Money deposited in my account.
They have been really good paying…
They have been really good paying Ollie’s vet bills on time
PAYMENT BEING PAIDI
I AM HAPPY WITH THE PLAN I JUST WISH IT COULD SPEED UP A BIT WITH PAYMENTS
Top shelf service
Excellent service and responsive.
Thankful
So thankful to have Spot Insurance for our boy that eats everything
That my claim was covered and paid so…
That my claim was covered and paid so quickly
My claim was processed very fast and no…
My claim was processed very fast and no hassles at all.
*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.