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Dental-related health concerns are a gray area for many pet parents because they don’t know what is covered or excluded from pet insurance policies. Are the preventive daily dental hygiene products and procedures covered by insurance? And what about the more severe dental accidents and illnesses, like gum disease, endodontic disease, tooth extractions, and more? How do dental cleanings fit into this picture? We’re here to answer your questions so you clearly understand what a pet insurance policy entails.
Does Pet Insurance Cover Dental Cleanings?
Dental cleanings are considered preventative treatment and are not covered by pet insurance policies. If you’re interested in having some level of coverage for dental cleanings, you may be able to add a wellness plan to your pet insurance policies or buy a separate wellness plan like Banfield. However, not all companies offer wellness plans, and of the ones that do, they have varying amounts they cover for dental cleanings. You may need to upgrade to a higher-tier wellness plan to have teeth cleanings included in your coverage.
Dental Cleaning Allotments (From Wellness Plans) By Pet Insurance Company
The table below shows the top pet insurance companies that offer wellness plans, including an annual allotment toward dental cleanings. Please note that these wellness plans also offer routine coverage beyond dental.
Does Pet Insurance Cover Dental Work?
Yes, pet insurance companies typically offer some level of coverage for non-routine dental-related claims. The extent of coverage varies by provider, though. And with all pet insurance, if a condition is deemed pre-existing by the provider, then it is excluded from coverage, this includes dental issues. The table below shows what type of coverage is available from the best pet insurance companies.
Does Pet Insurance Cover Tooth Extractions?
Some pet insurance companies offer coverage for tooth extractions, including Pets Best, Figo, Healthy Paws, Embrace, Lemonade, and Trupanion. However, the extent of this coverage varies by provider, so it’s essential to read your policy thoroughly. If you have questions, you might even consider contacting your provider for preapproval of your vet’s estimate before the procedure starts.
Does Pet Insurance Cover Routine Dental Care At Home?
No, pet insurance or wellness plans do not cover dental hygiene products you would use at home for your dog. These items might include toothbrushes, toothpaste, dental chews, and more.
What Pet Insurance Offers The Best Dental Coverage?
We’ve researched the best pet insurance companies and compared their dental coverage against one another. Our best pet dental insurance comparison explains common dental issues for pets and which companies cover those issues.
Remember that the sooner you sign up for pet insurance, the fewer pre-existing conditions your pet will have excluded from coverage. Unfortunately, all pets are at risk for dental issues throughout their lifetime, especially smaller breeds like Dachshunds, Cavalier King Charles Spaniels, Yorkies, Chihuahuas, Pugs, and more. So, it is wise to consider this aspect of responsible pet ownership in addition to diet, exercise, etc.