When it comes to taking care of our beloved pets, their dental health is just as important as their overall well-being. Unfortunately, dental care for pets can be costly, and unexpected accidents or illnesses can lead to hefty veterinary bills. That’s where pet insurance with dental coverage comes in.
In this comprehensive guide, we’ll explore everything you need to know about pet insurance plans that include dental coverage, including what they cover, what they don’t cover, and how to find the best coverage for your furry friend.
Understanding Pet Dental Insurance Coverage
Pet dental insurance coverage can vary depending on the insurance provider and the specific plan you choose. Generally, pet insurance plans fall into two categories: accident-only plans and comprehensive plans that cover accidents and illnesses.
While accident-only plans provide coverage for dental accidents, comprehensive plans offer more extensive coverage, including dental accidents and illnesses.
Dental Procedures Covered by Pet Insurance
When it comes to dental procedures, pet insurance plans typically cover a range of treatments and conditions. Some common dental procedures covered by pet insurance include:
- Crowns: Coverage for the placement of crowns to protect damaged teeth.
- Damaged Teeth: Treatment for broken, chipped, or fractured teeth.
- Deciduous and Permanent Tooth Extractions: Coverage for the extraction of baby and permanent teeth.
- Dental Malocclusion: Treatment for misaligned teeth or bite issues.
- Dentigerous Cysts: Coverage for the removal or treatment of cysts in the mouth.
- Dentistry Anesthesia: Anesthesia for dental procedures to ensure your pet’s comfort.
- Gingivitis: Treatment for gum inflammation and infection.
- Gum Disease: Coverage for the treatment of periodontal disease.
- Root Canals: Coverage for root canal procedures to save damaged teeth.
- Stomatitis: Treatment for inflammation and ulceration of the mouth.
- Tooth Repair and Extraction: Coverage for repair or extraction of damaged or diseased teeth.
It’s important to note that coverage can vary between insurance providers, so be sure to review the specific details of each plan to understand what procedures are covered.
What Isn’t Covered by Pet Dental Insurance
While pet insurance plans with dental coverage offer valuable protection, there are certain exclusions and limitations to be aware of. Here are some common treatments and conditions that are typically not covered by pet dental insurance:
- Routine Dental Care: Routine dental cleanings and preventive care, such as regular teeth cleanings, are usually not covered by pet insurance plans. However, some insurance providers offer wellness plans or add-ons that include coverage for routine dental care.
- Cosmetic Dentistry: Aesthetic or cosmetic dental procedures, including caps, implants, and filings, are generally not covered by pet insurance plans.
- Endodontic and Orthodontic Services: Specialized dental services such as endodontic procedures (e.g., root canals) and orthodontic treatments are often excluded from coverage.
- Pre-existing Conditions: If your pet has a dental issue before enrolling in a pet insurance plan, that condition will typically not be covered. It’s important to note that pre-existing conditions may vary between insurance providers, so always review their policies and exclusions.
Finding Pet Insurance with Dental Coverage
Now that you understand the basics of pet insurance with dental coverage, let’s explore how to find the best coverage for your furry friend. Keep in mind that not all pet insurance companies include dental coverage in their standard plans. However, many offer dental care through additional plans, add-ons, or wellness packages.
Factors to Consider When Choosing Pet Insurance
When evaluating pet insurance options, consider the following factors to ensure you find the best coverage for your pet’s dental needs:
- Coverage Options: Review the different plans offered by insurance providers. Look for plans that include dental coverage for accidents and illnesses, or consider add-ons or wellness plans that cover routine dental care.
- Exclusions and Limitations: Pay attention to the exclusions and limitations of each plan. Understand what procedures, conditions, or pre-existing issues are not covered.
- Eligibility Requirements: Check if there are any age limits for enrollment or specific requirements for dental coverage.
- Waiting Periods: Determine the waiting periods for coverage to begin. Waiting periods vary between insurance providers and can range from a few days to several weeks.
- Cost and Premiums: Compare the costs of different plans, including monthly premiums, deductibles, and co-pays. Consider your budget and the potential savings versus out-of-pocket expenses.
- Customer Reviews and Ratings: Research customer reviews and ratings of different insurance providers to gauge their reputation and customer satisfaction.
Pet Insurance Companies That Cover Dental Care
To help you get started, we’ve reviewed several pet insurance providers that offer dental coverage. Here are some of the top pet insurance companies that include dental care in their plans:
- Lemonade: Lemonade offers add-on coverage for dental illnesses, including gum disease and stomatitis, as well as routine dental cleanings. Their plans start at $33 per month for dogs and $22 per month for cats.
- Fetch Pet Insurance: Fetch’s accident and illness policy covers dental illnesses and injuries, including gum disease care, extractions, and X-rays. Monthly premiums average around $103 for dogs and cats.
- Spot Pet Insurance: Spot’s standard accident and illness plan covers dental accidents and illnesses. They also offer preventive care plans that include coverage for routine dental cleanings. Monthly premiums range from $85 for dogs to $38 for cats.
- ASPCA Pet Health Insurance: ASPCA’s standard accident and illness plan covers dental diseases and injuries. They also offer an add-on for preventative care coverage, which includes routine dental cleanings. Average monthly premiums are $46 for dogs and $19 for cats.
- Healthy Paws: Healthy Paws’ comprehensive accident and illness plan covers dental needs related to accidents and injuries, such as tooth reconstruction and extraction. Monthly premiums average $57.55 for dogs and $25.23 for cats.
- Figo: Figo covers dental illnesses and injuries under its standard plan and offers additional coverage through add-ons for wellness and veterinary exam fees. Their plans start at an average of $54 per month for dogs and $26 for cats.
- Embrace: Embrace offers one comprehensive accident and illness plan that covers dental illnesses and injuries, including tooth repair and extractions. Monthly premiums average $73 for dogs and $39 for cats.
Remember to review each provider’s specific coverage details, exclusions, and limitations before making a decision.
The Cost of Pet Insurance with Dental Coverage
The cost of pet insurance with dental coverage can vary depending on factors such as your pet’s breed, age, location, and the insurance provider you choose. According to the North American Pet Health Insurance Association (NAPHIA), accident and illness plans, which typically include dental coverage, cost an average of $19.93 per month for dogs and $10.85 per month for cats.
While routine dental care is not usually covered by pet insurance, the cost of dental procedures can add up quickly. For example, the average cost of a dog’s teeth cleaning can range from $500 to $1,000, while a cat’s teeth cleaning may cost between $100 and $400. In more severe cases, tooth extractions or treatments for dental diseases can cost several thousand dollars.
By having pet insurance with dental coverage, you can significantly reduce your out-of-pocket expenses for dental accidents and illnesses. With an insurance provider that offers an 80% reimbursement rate, you could save hundreds to thousands of dollars on dental treatments.
Is Pet Dental Insurance Worth It?
Considering the high cost of dental care for pets, having pet insurance with dental coverage can be a worthwhile investment. Dental diseases are common in dogs and cats, and the treatment costs can be substantial. By having insurance coverage, you can alleviate the financial burden of emergency dental care and ensure your pet receives the necessary treatment without delay.
Let’s take a look at an example to understand the potential savings. According to Spot, a tooth extraction for a dog can cost between $1,000 and $3,000, while for a cat, it can range from $300 to $1,300. Without insurance, you would be responsible for the full cost. However, with insurance coverage that offers an 80% reimbursement rate, your out-of-pocket expenses would range from $200 to $600 for dogs and $60 to $260 for cats.
When you consider the cost of an annual pet insurance premium along with your portion of a covered dental procedure, the savings can be significant. For instance, if you pay up to $1,184 for a dog or $603 for a cat, including the annual premium, you can see the value of having dental coverage.
It’s important to note that pet insurance does not typically cover routine dental care, so daily tooth brushing, dental chews, and regular check-ups are crucial for maintaining your pet’s dental health.
Frequently Asked Questions About Pet Dental Insurance
- Can I buy standalone pet dental insurance? Pet dental insurance is not typically sold as a standalone policy. It is usually included as part of accident and illness plans offered by pet insurance companies.
- How often should I give my dog dental treats? The frequency of giving your dog dental treats depends on the specific treat and your dog’s dental health. Consult with your veterinarian to determine the appropriate frequency and type of dental treats for your dog.
- What are the best pet insurance companies with dental coverage? Some of the top pet insurance companies that offer dental coverage include Lemonade, Fetch Pet Insurance, Spot Pet Insurance, ASPCA Pet Health Insurance, Healthy Paws, Figo, and Embrace. However, the best company for you will depend on your specific needs and preferences.
Pet insurance with dental coverage can provide valuable financial protection for unexpected dental accidents and illnesses in your furry friend. By understanding what pet dental insurance covers, what it doesn’t cover, and how to find the best coverage, you can ensure that your pet receives the necessary dental care without breaking the bank. Remember to thoroughly research insurance providers, compare coverage options, and consider the long-term savings potential when deciding on the best pet insurance plan with dental coverage for your beloved pet.