Does pet insurance cover dental care?

Dental care coverage can vary greatly between pet insurance policies. Some policies may include coverage for dental illnesses or injuries, while others may offer optional dental coverage as an add-on. Some pet insurance policies will only cover dental illness treatment if your pet has regular preventative dental care with your veterinarian. Remember to review the policy to understand the dental care coverage options and limitations.

There are many common types of dental issues your pet may develop in their lifetime. Small dog breeds are more prone to unerupted deciduous (baby) teeth issues which can cause periodontal disease and require tooth extractions. Basic treatment for Periodontal Disease generally includes x-rays, dental prophylaxis (dental exam, and cleaning and scaling of the teeth), and sometimes tooth extractions.

Without insurance you can expect to pay around $1,700 for treatment but with insurance, you can expect to pay $740 with an 80% reimbursement rate.

Example Vet Bill for Periodontal Disease Treatment

Total Vet Bill $1,700	You Pay This At Time Of Service Need help with up front expenses? Check out Vet Spend
Insurance Coverage -$960	Insurance Reimbursement (Here’s The Math) Total Vet Bill: $1,700 Your Deductible: – $500 Eligible For Reimbursement: = $1,200 Reimbursement Rate: x 80% = $960
Your Final Cost $740	You Saved 56% With Insurance!