Pet Insurance That Covers Dental Care
22 June, 2018
By: Lisa Fimberg
We know the importance of keeping our cat and dog’s teeth healthy to help maintain their overall health. And cleaning can get expensive. Most pet insurance companies don’t offer dental care as part of their main coverage, but there are some pet insurance companies that cover dental care as an optional add-on to their normal pet insurance policies.
Why do pets need dental care?
Most of us don’t brush our pet’s teeth, even though it is important and is greatly encouraged! And just as we need to go to the dentist, keeping up with our dog and cat’s teeth cleanings is vital for our pet’s health. Dental care can prevent many diseases and issues in our pets as well as bad breath, tartar build-up, and mouth pain. Proper dental care can also ward off infections, periodontal disease, and misaligned or broken teeth.
Bacteria and plaque-forming foods can cause a buildup on your dog or cat’s teeth. This can harden into tartar, possibly causing gingivitis, receding gums and tooth loss. Regular teeth cleanings, of course, helps combat tooth decay (as it does in people).
In fact, bacteria from any type of oral disease can get into the bloodstream and negatively affect major organs such as your pet’s heart, kidneys, or liver. This is why most veterinarians recommend at least one annual cleaning for dogs and cats to prevent periodontal disease.
What does pet insurance cover for dental care?
Pet dental insurance makes it more affordable to provide the necessary dental care for your dog or cat. The pet dental insurance that comes with the more comprehensive pet insurance plans doesn’t cover teeth cleaning. Most pet insurance companies will cover dental problems or issues that are a result of an accident or even a new disease or injury in their policies.
While many of the insurance companies only cover dental care associated with accidents, you may find that others offer coverage for periodontal disease and extractions in addition to fractures and injuries. For example, Petplan does not offer teeth cleaning as part of their normal pet insurance policies, but does include coverage for the following (as long as they weren’t pre-existing): Periodontal disease, fractured teeth, gingivitis, tooth extraction and abscess.
Pet Insurance with Wellness Plans offer dental care for the routine procedures
Pet insurance companies that offer a wellness plan are more likely to cover routine dental care such as teeth cleaning. Wellness plans, in general, are for the more routine procedures such as vet visits, non-emergency exams, medications, and procedures. Pet insurance routinely only covers accident, illness and injuries while a wellness plan is preventative in nature and pays for vaccines, neutering, routine vet visits, and teeth cleaning.
For many pet owners who want to purchase pet insurance that covers dental care, the goal is to receive some reimbursement when it comes to regular cleanings. Since your dog or cat needs to go under anesthesia to get a proper cleaning, it can get very expensive to keep out pets’ teeth clean.
Teeth-cleaning is generally covered by pet insurance companies that offer wellness plans. Wellness plans will usually pay for part of your dog or cat’s annual dental care, generally without co-payments, deductibles, or waiting periods. When looking into wellness plans, take reimbursement options and specific coverage into account before you enroll in a plan.
To make the best decision, make sure to compare each of the top insurers’ plans to determine the extent of coverage.
Below is a list of the top pet insurance providers that offer dental care:
Embrace Pet Insurance offers three different wellness rewards reimbursement options as an add-on to their pet insurance policies. With their Wellness Rewards reimbursement, you can choose the amount of reimbursement you think is necessary for each pet and each year.
Embrace offers the highest rate of reimbursement that we’ve seen and you can get reimbursed for your dental cleaning and dental illness treatments up to $650.
The Wellness Rewards plan also covers issues that occurred before you purchased your policy since there’s no such thing as a pre-existing condition for Wellness Rewards. There is no deductible, co-pay or waiting period. A big benefit of wellness rewards.
There are three different options and reimbursement levels to choose from:
$250 allowance per policy year – for $18 a month
$450 allowance per policy year – for $32.50 a month
$650 allowance per policy year – for $46.95 a month
With Embrace, you’re able to change your Wellness Rewards amount each policy year, making it perfectly personalized to meet your needs.
Read all about Embrace’s pet insurance policies and their coverage.
Pets Best offers two tiers of wellness or routine care coverage that can be added to one of our pet health insurance plans for additional premium at the time you enroll, within 30 days of enrolling, or at your annual renewal. Benefits are available to you the day after you enroll so you can start using your routine care plan as soon as your policy goes into effect.
PetsBest offers protection from dental injuries that are a result of trauma through their main plan, as well as providing extra dental cleaning coverage through their wellness add-on “BestWellness”.
Main plans start as low as $19/month with PetsBest, and the “BestWellness” add-on will cost $26 a month and will pay up to $150 for teeth cleaning.
Read all about PetsBest pet insurance policies and their coverage.
With PetFirst’s wellness programs, it might not cover all the dental cleaning you might incur, but you can choose from the two higher-end wellness options to offset some of the costs you know you are going to incur.
Routine Care 250:
The Routine Care 250 which ranges from $15 to $19 a month provides up to $50 towards teeth cleaning.
Routine Care 400:
The Routine Care 400 which ranges from $22 to $28 a month provides up to $100 towards teeth cleaning.
Read all about PetFirst’s pet insurance policies and their coverage.
Nationwide is the only pet insurance provider that you can purchase wellness pet insurance on its own and even instead of pet insurance. This is a nice option if you just want to cover the more routine expenses including dental or other non-emergencies like vaccinations and/or microchipping.
Nationwide offers two wellness plans but only the higher end plan includes dental cleaning.
The Whole Pet with Wellness which is $17 to $22 a month will covers up to $500 of annual expenses and includes dental cleaning.
Read all about Nationwide’s pet insurance policies and their coverage.
Dental disease is very common among our dogs and cats and it can even get painful! Pet dental insurance gives you peace of mind that if your pet shows signs of dental disease, you can treat it before it progresses. It is relatively inexpensive to add to your current pet insurance policies (assuming the offer it) and it will make you feel a little more at ease with the rising cost of dental care.
Whatever you decide, make sure to keep up with your pet’s dental care by brushing their teeth, providing dental chews or even food that is prescribed by your vet for dental care.
If you are looking to purchase pet insurance, take a look at our top 7 best insurance providers of 2018 to find the best plan for you!