Wednesday, June 15, 2022

Does Pet Insurance Cover Dental

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Pet Dental Coverage For Eight Companies

Pet Health Insurance explained | Coya
Yes = Both accidents & dental Illness covered.No = Neither accidents nor dental illness covered. Based on information gathered online in late 2020 by Money staff from the websites of the pet insurance companies, supplemented by research of other types. Confirm these details before you buy, in case coverage has changed.

Does Pet Insurance Cover Surgery

Pet insurance covers surgery for procedures of eligible accidents and illnesses.

Soft palate surgery is a common inquiry by owners of brachycephalic, or flat-faced, breeds like Bulldogs. Your vet may recommend soft palate surgery for your dog to help her breathe normally or if your dog has an elongated soft palate. This condition is part of Brachycephalic Obstructive Airway Syndrome . This is classified as a hereditary condition or breed-related condition, so youll want to make sure the policy you buy doesnt restrict coverage for these items.

Something You Could Have Prevented

Theres this section in a Lemonade pet health insurance policy that talks about neglect and adequate care. We hate this part because it really bums us out to think about pets who arent being taken care of, and we would hate for you to think were suggesting you would ever do that.

But its important to know that a situation could be considered preventable even when a pet parent provides excellent care. The good news is preventable means you can do something about it to keep your pet healthy and safe!

If your dog keeps getting an eye infection after running into the same bush in your front yard, you can invest in doggles . Your policy defines this as a recurring condition, and its not covered. But at the end of the day, we know youll do what you can to avoid these conditions to keep your fur fam safe and healthy.

It should also go without saying that any injury or illness that may result from instances of fighting, racing, or abuse would not be covered. If you happen to witness suspected cruelty to animals, call your local animal control agency, or 311 if youre unfamiliar with organizations in your area.

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Plans That Cover Teeth Cleaning

Pet insurance companies vary in the type of dental coverage they provide. Some might offer dental care that includes teeth cleaning while others may offer dental care but not teeth cleaning. They are also some pet insurance companies that dont really offer any type of dental insurance. Some companies may cover dental issues if they are the cause of a covered illness. Here are five different pet insurance companies and what they offer in terms of dental care or teeth cleaning coverage.

Questions About Our Coverage

Does Pet Insurance Cover Dental Cleaning

We never want you to feel in the dark when it comes to your pet’s medical care. That’s why our award-winning and pet-loving specialists are here for you 24/7.

No treatment for dental illness. Treatment for new dental injuries, if approved by their MedicalDirector.


If there are any signs of dental illness prior to enrolling, there is no coverage for any new andunrelateddental injuries or illnesses.

What’s not covered: As with most pet insurance companies, aTrupanion policy will not cover teethcleaning or its associated fees . We alsodo not cover toothbrushes and toothpastes or dental foods, chews, or rinses.

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Does Pet Health Insurance Cover Pre

The short answer here is: Unfortunately not.

But that doesnt mean pet insurance companies will deny coverage for your pet if they have an ailment like cancer or hip dysplasia before applying. It just means that the plan you get wont cover costs that are directly related to the condition they had been diagnosed with before you signed them up. So while treatment for diabetes resulting from obesity is covered under a basic policy, youll only be reimbursed for eligible costs if your pet started showing signs of diabetes after your policy was already active.

This is one reason that pet health insurance companies require that you submit recent medical records while applying for a policy. If you want a whole lot more info about pre-existing conditions, weve got you.

How To Find The Right Plan

  • The most basic part of this process is to be realistic and identify your needs and your budget. You dont want to be paying more than you need to but more importantly, you need to make sure that in the event your pet gets sick or injured, you are sufficiently covered to avoid huge veterinary bills and having to worry about how youre going to get the medical attention your pet needs.
  • Compare plans. Be sure to compare coverage and be mindful of the inclusions and exclusions. More expensive doesnt always mean better, but cheaper can also mean very limited coverage.
  • Dont be afraid to ask questions and never assume. If you have a question in your head and the answer is not explicitly indicated in the contract, ask for clarification. If you feel like youve found a plan thats almost perfect but lacks one tiny bit of coverage, go ahead and ask your agent about it. Insurances are mostly customizable nowadays. Certain coverages can be added to standard plans or packages.
  • Find out how to make a claim and how long it will take before you receive it. Finding out right from the start lessens the worry in case you find yourself having to bring your pet to the vet or the pet hospital. This also allows you to be prepared in terms of how much cash you need to set aside for emergencies.
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    How Can You Save Money On Pet Dental Care

    Most veterinarians recommend dogs and cats receive a dental cleaning during an their annual check-up. This will help your vet identify the first signs of health issues and ensure your pet is at a lower risk of contracting costly dental diseases later in life.

    You can also take care of your pets dental health by brushing their teeth regularly. According to VCA Animal Hospitals, you should brush your dog’s teeth twice per day or a minimum of three times per week. They recommend the same schedule for cats.

    Dental hygienic treats and chews may also help maintain your pets oral health between cleanings.

    In the meantime, use Pawlicy Advisor to search for a pet health insurance plan that provides dental coverage. Dont forget to check the coverage details under each quote. You can also use Pawlicy Advisor to compare plans side-by-side, helping you find the best dental coverage for your furry friend.

    Comprehensive Dental Coverage For New Unexpected Dental Illness And Injury Including:

    Is Pet Dental Insurance Worth It?
    • Extractions of permanent and baby teeth
    • Coverage for retained baby teeth
    • Advanced dentistry, including caps
    • Endodontic treatments, including root canals
    • Fractured jaw and/or fractured tooth repair
    • Tooth resorption and tooth root abscesses

    We love informed decisions. See our policy for full coverage details.

    As with other pet insurance policies, a Trupanion policy does not cover pre-existing conditions consistent with dental disease.

    To avoid pre-existing conditions, it helps to enroll your pet at a young age.

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    Pet Dental Insurance Options

    Dental problems in your dog or cat could lead to larger health and behavior issues. SPOT provides coverage options for dental injuries, emergencies, and diseases. Plus, SPOT Preventive Care coveragewhich you can add to your policy for a little extra on your premium each monthcan help you pay the bills for routine teeth cleanings.

    What Doesnt My Dogs Dental Insurance Cover

    Even pet insurance that includes dental cover wont cover everything.

    Among the procedures likely to be excluded are:

    • Routine cleaning of your dogs teeth
    • Cosmetic dental treatment
    • Treatment for pre-existing conditions, general tooth decay or anything else that the insurance provider believes you could have prevented by taking better care of your dogs teeth.

    And if youve chosen an accident only policy, claiming for the treatment of illnesses and chronic conditions will be off-limits too.

    Make sure you check the policy wording carefully before you buy, so you know exactly what is and isnt covered.

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    Are There Any Gaps In Dental Coverage With Pet Insurance

    Preventative care coverage like what Pets Best offers is uncommon among pet insurers, which means coverage for preventing dental issues might be a gap in your pet insurance. Remember to always read the fine print on your pet insurance policy to understand exactly what’s covered. For example, with an accident-only plan, a tooth extraction is likely only covered if it was necessitated by a physical accident.

    Are Routine Teeth Cleanings Included In Pet Insurance

    Does Pet Insurance Cover Dental?

    Most of the time, dental cleanings for dogs and cats are considered preventative care and therefore do not classify for coverage under traditional accidental/illness plans. However, most pet insurance providers offer supplementary pet wellness plans you add on for extra coverage, including the cost of routine cleanings.

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    The Importance Of Oral Care For Your Pet

    After your puppy or kitten becomes an adult dog or cat, they often need more thorough inspection. At least once a year, your vet should check for:

    • Tooth abscesses
    • Retained baby teeth
    • Inflamed or bleeding gums

    If something is found, they may need to put your pet under anesthesia to take x-rays and perform a tooth cleaning, scaling, and potential surgery to remove or fix a broken or infected tooth. And none of these dental health concerns are covered by pet insurance, unless its caused by an accident or illness.

    Our pets cant tell us if their teeth or gums are hurt, its up to us to be diligent in checking for ourselves or having a professional do it. Here are some signs your pet could have something going on in their mouth:

    • Bad breath
    • Only eating with one side of the mouth
    • Dropping food or disinterest in eating

    If your pet needs dental care, the costs can easily be over $1,000 or more, especially if they need anesthesia. Luckily for pet parents, there is an affordable stand-alone pet insurance plan or add-on option to complete your comprehensive pet coverage.

    Does Pet Insurance Cover Dental Work

    When youre shopping around for the best pet insurance, you want to ensure your furry friend is covered from nose to tail. Unfortunately, not all insurance companies offer dental health coverage. Some policies cover dental work only in the event of an injury and exclude disease from their plans.

    Most accident and injury plans do not cover routine dental work such as cleanings instead, these services are covered by many pet wellness plans. Accident plans might not cover dental illnesses such as periodontitis, either.

    Additionally, some accident plans that do provide routine dental coverage require that any pet needing emergency dental care has had a recent cleaning. Other insurers exclude particular treatments, like tooth extractions. Among the other treatments and conditions that might be covered by various pet dental insurance plans are:

    • Root canal
    • X-rays
    • Mouth reconstruction following an accident

    But what happens if your cat or dog needs dental work from periodontal disease? Weve found several insurance companies that provide it.

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    Oral Exams And Cohats

    Oral diseases and injuries, such as periodontal disease, oral tumors, and fractured teeth, are painful and can negatively impact your petâs quality of life as well as their overall health. Unfortunately, they are also common.

    Oral examinations and cleanings are important for your petâs dental health, especially because pets may not display symptoms. Regular veterinary health exams can identify oral problems early, but itâs always best to know what symptoms to look for when it comes to oral disease or injury. Schedule a vet visit if you notice any of these signs:*

    • Halitosis

    How To Keep Your Pets Teeth Healthy

    Dental care for your dog

    Keeping your pets teeth clean and healthy is similar to the way humans maintain good dental hygiene.

    For example, you should avoid giving your pet sugary foods, as theyre bad for your pets teeth just as they are for your own.

    You also want to clean your dog or cats teeth yourself, as often as you can. Both dogs and cats can be trained to accept a brushing if you start early enough, and there are chicken or fish-flavoured toothpastes on the market to help with the process.

    That said, while routine care is great, your pet still needs their annual check-up and deep clean. This will ensure you keep on top of tartar build-up, and identify any lurking problems early on.

    Cats in particular can suffer from gum disease for years before it becomes obvious, so that yearly examination can provide peace of mind for you, as well as comfort for your pet.

    You may be inclined to give your dog a leftover bone from dinner to clean their teeth. However, this practice isnt as effective as brushing their teeth, and could actually cause more problems. For example, hard bones can break teeth, and softer splinters could become embedded in your dogs gums and lead to painful abscesses.

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    Dental Cover As Part Of Your Pet Insurance Policy

    It may be well worth it to pay the extra pet insurance premiums for dental care. According to the Australian Veterinary Association, 80% of dogs and 70% of cats over the age of three have some level of dental disease1.

    If youre looking for dental care insurance for your cat or dog, then you may find it in the providers routine care cover package. You may receive an annual benefit payment that can go towards cleaning treatments.

    You likely wont find dental cleaning and treatment included in a standard or accident-only insurance policy. Thats because these policies tend not to include routine procedures and treatments.

    Yes these policies are usually cheaper, but once you factor in the cost of annual vaccinations, check-ups, teeth cleaning and so on, it may make sense for you to pay a few dollars extra each month, and have the peace of mind that your pet is getting the treatment it needs to stay healthy.

    What Dental Problems Can Pets Have

    Bad dental hygiene not only impacts your pets teeth, gums and mouth, it can affect other parts of their bodies too. Common dental problems include:

    • Plaque: If not cleaned, plaque turns to tartar which can lead to conditions such as gingivitis, periodontal disease and abscesses
    • Gum disease: From gingivitis to periodontal disease . Gum disease can lead to serious problems if left untreated
    • Tooth infections: Potential side effects of a tooth infection include eye infection, tooth loss, periodontal disease, and organ failure
    • Chipped or fractured teeth: Chipped or fractured teeth can be very painful. Theyre more common in dogs than cats

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    Best Pet Dental Insurance

    We took a fine-tooth comb and read through every detail in each pet insurance companys sample policy. We list specific coverage and exclusions regarding tooth and dental procedures, injuries, illnesses, and definitions that we thought may be valuable for you to know if youre concerned about a specific accident or illness.

    Some pet insurance companies are more detailed in their policies than others, so some reviews have more information. And keep in mind that any dental illness or injury observed prior to the effective date of the policy or during a pet insurance companys waiting period will not be covered and is deemed pre-existing.

    We chose our winners based on dental coverage alone. However, if you want to know our top picks for the best pet insurance, we suggest reading our pet insurance reviews.

    The information gathered below is taken straight from each companys sample policy.

    As always, we recommend you check with the pet insurance company before enrollment regarding what is and isnt covered. The sample policies we read may be different from whats active in your state.

    Its All About You We Want To Help You Make The Right Coverage Choices

    Does Pet Insurance Cover Dental?

    Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

    Our insurance industry partnerships dont influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

    Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

  • Summary Does pet insurance cover dental?
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    Common Covered Pet Dental Issues

    Just as we need to take care of our teeth for our overall health, our pets need the same care. Its important to brush their teeth regularly to keep them clean and prevent dental disease. Some common dental issues that can occur in dogs and cats that are covered** by the Healthy Paws plan are:

    • Broken or chipped teeth that were the result of an outside accident/trauma to the mouth.

    • Dental malocclusion: Most often a hereditary issue and not related to dental disease, a malocclusion results in overbites and underbites. When there is misalignment of the upper and lower teeth, there can be resulting injury, oftentimes to the roof of the mouth.

    • Stomatitis: Typically affecting cats, stomatitis occurs when the pets gums react to the presence of teeth, resulting in ulceration and/or severe inflammation of the gums. It can only be treated by extraction of the tooth/teeth. Coverage is contingent upon any prior and/or present dental disease.

    • Dentigerous cysts: These are oral cysts derived from the tissues that form the teeth. Oftentimes there will be unerupted teeth, with or without cysts that surround the crown. Unerupted or missing teeth are considered congenital, which makes this eligible for coverage.

    ** The conditions above are eligible for coverage as long as there were no signs or symptoms of the condition prior to enrollment or during any applicable waiting period, and subject to all policy terms and conditions.

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