Does dog insurance cover dental cleaning

How to look for pet insurance that covers dental

While pet dental insurance isn't a typical offering, look for pet insurance plans that cover dental care via comprehensive and routine/preventative care coverage:

  • Comprehensive plans typically cover accidents and illnesses — so unless there are dental exclusions to the plan's coverage, care for dental-related accidents and illnesses should be covered. Note that for dental coverage to apply, your pet may need to meet certain qualifications before enrollment and keep up with regular teeth cleanings.
  • Routine/preventive care plans, while far less common, may provide dental cleaning coverage and coverage for checkups to help prevent disease and catch issues early.

Pets Best offers comprehensive pet insurance plans (BestBenefit) as well as routine care plans (EssentialWellness and BestWellness) that can provide your pet with different types of dental coverage. Here's how these different pet insurance coverages work for dental-related care:

BestBenefit dental coverage

The BestBenefit plan provides comprehensive accident and illness coverage that also helps with dental emergencies and illnesses if your pet meets certain qualifications. If an issue such as periodontal disease is caught early by your vet, treatment can often be more successful and less expensive. BestBenefit offers coverage for periodontal disease as long as your pet meets these requirements:

  • Free from dental disease at enrollment
  • For pets aged 3 and up, records of dental cleanings under general anesthesia within the last 13 months as proof of no signs of periodontal disease

EssentialWellness dental coverage

The EssentialWellness plan provides routine care coverage for dogs and cats and is available as an add-on to the BestBenefit plan. This plan offers some coverage for annual wellness exams, which should help catch dental problems like periodontal disease or gingivitis early on. It doesn't include coverage for regular teeth cleanings, but it does cover some of the costs of other preventive measures such as heartworm prevention, urinalysis, and flea/tick prevention.

BestWellness dental coverage

Also available as an add-on to the BestBenefit plan, the BestWellness plan includes routine teeth cleanings as part of your pet insurance dental coverage. The policy can cover up to $150 worth of teeth cleaning costs each year, along with numerous other routine measures such as deworming, microchipping, and heartworm prevention.

Dental insurance for dogs

Dental issues often don't occur until your dog gets older. Having coverage in place now can help you stay prepared for common illnesses like gingivitis and periodontal disease, which can cost hundreds if not thousands of dollars to treat. Dental coverage via a dog insurance plan can help alleviate those expensive vet bills in case of an emergency or if your pup develops a dental disease that requires ongoing care.

Dental insurance for cats

Cats are more independent, making it more difficult to notice signs they're suffering from a dental issue. Having a cat insurance plan that includes preventive care provides coverage for routine wellness checks. And dental coverage that includes teeth cleanings and preventative measures can help you ensure your kitty ages well.

Does pet insurance cover teeth cleaning?

Teeth cleaning is considered a preventative or routine care procedure, and whether it's covered or not will depend on your insurer and policy. Preventative care coverage is uncommon in pet insurance, but Progressive Pet Insurance by Pets Best covers routine dental cleaning up to $150 per year via the optional BestWellness plan that can be added on to your BestBenefit policy.

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.

How to get pet insurance

Online

Get a quote from Progressive Pet Insurance by Pets Best.

Call a rep

Call 1-877-298-0639 and speak with a representative from Progressive Pet Insurance by Pets Best.

Can you claim dog teeth cleaning on insurance?

As long as your pet has had an annual dental check and you've undertaken any recommended treatments within three months of the check, you're covered. Your annual booster appointment is a great time to schedule your annual dental check-up and most vets are happy to do both at the same time.

Is dental care included in pet insurance?

Most dog insurance policies don't include dental work as standard – you'll usually have to pay extra to include it. But even if you've got dental cover for your dog, it's most unlikely to cover your pet for routine dental work like a regular scale and polish.

Why is it so expensive to have your dog's teeth cleaned?

The main reason a dog dental cleaning is an expensive procedure is because of the X-rays and anesthesia required for the procedure. “Dental X-rays are really important to assessing periodontal disease and the health of teeth below the gumline.

How often should I get my dogs teeth cleaned?

How often should my dog get teeth cleanings? Most veterinary dentists recommend professional teeth cleanings once a year for most breeds, but a few individuals, especially smaller breeds, may need 2 visits per year due to prevent loss of teeth.