Pet insurance can be a lifesaver for pet owners, but it's essential to understand what's covered and what's not. Some policies cover dental issues and disease, while others don't.
Not all pet insurance policies cover dental issues and disease, so it's crucial to read the fine print and understand what's included. Some policies might cover routine dental care, while others might only cover emergencies.
Some policies may cover dental issues such as tooth extractions, while others might not. For example, some policies may cover the cost of a tooth extraction, but not the cost of a dental cleaning.
Many pet insurance policies have a waiting period before they start covering dental issues and disease, which can range from 6 months to 2 years.
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Pet Insurance Coverage
Pet insurance can be a game-changer for pet owners. Some pet insurance companies offer dental coverage for cats and dogs.
Several pet insurance providers offer dental coverage, including ASPCA, Embrace, Figo, Healthy Paws, Lemonade, MetLife, Nationwide, Pets Best, Prudent Pet, Pumpkin, Spot, Trupanion, and TrustedPals.
While the cheapest pet insurance companies may vary depending on location, pet's age, and type of animal, it's essential to weigh the pros and cons to find a policy that fits your pet's needs at a fair price.
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What's Covered
Pet insurance coverage is designed to help you financially prepare for unexpected vet bills.
Accidents and injuries are covered, including broken bones, cuts, and other trauma.
Illnesses like cancer, infections, and allergies are also covered, with some policies offering more comprehensive coverage than others.
Chronic conditions like arthritis and hip dysplasia are often covered, but may require a separate policy or rider.
Preventative care, such as vaccinations and dental cleanings, may be covered under certain policies or as an add-on.
Some policies cover hereditary conditions, while others may have exclusions for certain breeds or conditions.
Travel coverage for pets is also available, which can be a lifesaver if your pet gets sick or injured while traveling.
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What's Not Covered
When comparing pet insurance providers, it's essential to understand what's not covered under their policies. Most pet insurance plans won't cover cosmetic procedures, such as caps, implants, and filings.
Pre-existing conditions are also not covered, which means if your pet has an existing condition before enrolling in a policy, it won't be covered even if it worsens later. For example, if your pup cracked a tooth before you enrolled in a policy and then it becomes infected, that would be considered pre-existing.
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Some common examples of not-covered services include endodontic and orthodontic services, which are often related to complex dental procedures. It's crucial to review your policy carefully to understand what's excluded.
Here are some specific examples of what's not covered:
- Cosmetic procedures (caps, implants, filings)
- Pre-existing conditions
- Endodontic services
- Orthodontic services
Keep in mind that each insurance provider may have its own exclusions, so it's vital to research and compare policies carefully to find the best fit for your pet's needs.
Dental Care for Pets
Dental care is an essential part of your pet's overall health, and it's great that many pet insurance providers now offer wellness plans that cover routine dental care.
Dental cleanings fall under preventative care, which is often included in wellness plans as an add-on to Accident & Illness coverage.
Preventative care also covers vaccinations, microchipping, spaying and neutering, and more, so it's worth exploring what's included in your pet's wellness plan.
Some pet insurance providers include routine dental care in their standard coverage, so be sure to check your policy to see what's covered.
In addition to routine cleanings, wellness plans may also cover dental X-rays, extractions, and other treatments, depending on the provider and your policy.
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Choosing a Pet Insurance Company
You'll want to compare your options to find a policy that fits your pet's needs at a fair price. Rates may vary per insurer, so it's essential to weigh the pros and cons of each provider.
Some pet insurance companies offer more comprehensive coverage than others, including dental procedures for cats and dogs. Look for companies like ASPCA, Embrace, and Figo, which offer dental coverage. You can also consider other providers like Healthy Paws, Lemonade, and Pets Best, which may have different coverage options.
To find the best pet insurance, determine which providers have a balance of quality and affordability. The cheapest option may not always be the best, so consider what's most important to you and your pet.
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Best Company
Choosing the right pet insurance company can be overwhelming, but it's essential to ensure your furry friend receives the best care. We've analyzed over 150,000 authentic reviews from pet parents to determine the top pet insurance providers.
Pet parents trust these companies to cover their pets' medical expenses, including dental care. The top pet insurance providers have been ranked based on real reviews from pet parents like you.
One of the key features to consider when choosing a pet insurance company is their dental coverage. Some companies offer routine teeth cleanings as part of their policy, while others may require an add-on.
The BestWellness plan, for example, includes routine teeth cleanings as part of their dental coverage. This plan can also cover other routine measures such as deworming, microchipping, and heartworm prevention.
Ultimately, the best company for you will depend on your pet's specific needs and your budget.
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Is It Worth It
The big question: is pet insurance worth it? Pet insurance can be a lifesaver in unexpected vet emergencies, and the average monthly cost is just $64, or $768 a year. That's a small price to pay for peace of mind.
Considering the average cost of a tooth extraction can range from $500 to $2500, pet insurance makes a lot of sense for pet parents who don't have thousands of dollars saved up for vet emergencies.
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How to Find
When looking for a pet insurance company, it's essential to consider what type of coverage you need. You'll want to think about what's most important to you and your pet.
To find a pet insurance company that covers dental care, look for comprehensive plans that cover accidents and illnesses. This way, unless there are dental exclusions, care for dental-related accidents and illnesses should be covered.
Some pet insurance plans may offer routine/preventative care coverage, which can include dental cleaning coverage and checkups to prevent disease and catch issues early. Pets Best offers routine care plans, such as EssentialWellness, that can provide your pet with different types of dental coverage.
If you're looking for a plan that covers regular teeth cleanings, you may want to consider a comprehensive plan like BestBenefit, which can be paired with EssentialWellness for added coverage.
Here are some things to consider when evaluating pet insurance plans:
Frequently Asked Questions
How much does pet dental insurance cost?
Pet dental insurance costs range from $15 to over $90 per month, with an average of $66, depending on coverage limits and type. Learn more about the factors that affect the cost of pet dental insurance.
Sources
- https://www.progressive.com/answers/does-pet-insurance-cover-dental/
- https://figopetinsurance.com/blog/does-pet-insurance-cover-teeth-cleaning
- https://www.petinsurancereview.com/blog/pet-insurance-for-dental-care
- https://www.moneygeek.com/insurance/pet/coverage/dental/
- https://www.trupanion.com/pet-insurance-faq/article/dental
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