Many pet parents don’t fully understand the importance of animals’ dental health. Just as you visit your dentist on a regular basis, that should also be the case for your cat or dog.
Today, there are a great number of pet health insurance companies that offer outstanding dental care and treatment for your pets. However, in some cases, pet insurance doesn’t cover dental care, so it’s highly recommended for pet owners to opt for specific insurance that does.
Pet dental insurance is a type of coverage for dental expenses for your household animals along with corresponding treatments. Even one dentist visit can be quite costly, and not affordable by everyone.
That’s why dental insurance is quite important since it aims at reducing the expenses for surgery, medication, hospitalization, and other dental treatments.
What’s Covered under Pet Dental Insurance?
Dental coverage is included in some pet medical insurance policies. Although coverage differs by the insurance provider, there are usually two types of dental insurance: dental accidents coverage and dental illnesses coverage.
Some of the conditions covered by some insurance policies are:
- Dentist work on damaged teeth
- Teeth extraction
- Oral surgery
- Root canals
- Tooth filling
- Crowns for cracked or broken teeth
- Types of gum diseases
- Needed medication
- Hospitalization period
- Dentures and bridges
However, not every dental insurance covers all of these oral problems, so in order to choose the best one suitable for your pet, you have to review the best companies.
If you already own a pet insurance policy, make sure to determine whether there are any requirements for filing a claim with your pet dentistry insurance provider. Some insurance policies only cover dental illnesses if the pet is under 3 years old or has undergone a dental exam under anesthesia in the previous 13 months that revealed no dental abnormalities.
What Isn’t Covered under Dental Pet Insurance?
As every pet dental insurances covers different aspects of dental issues in pets, pet owners should be informed of which dental services are covered by their insurance policy. Sometimes, there are certain expenses that are excluded from the policy, and there are also specific breeds of cats and dogs that insurance policies haven’t included in their offer.
Some of the most common coverage exclusions in the majority of pet dental insurances are:
- Teeth cleaning and polishing, along with associated costs like anesthesia, toothbrushes, tubes of toothpaste, chews, dental food, and rinses.
- Pre-existing conditions that happened before the start date of the coverage
- Cosmetic, orthodontic, and endodontic procedures such as caps and fillings
- Therapy for missing teeth or malocclusion
- Prophylactic medicine and treatments
Rating of Pet Insurance Companies Offering Dental Coverage
Nowadays, there are many pet insurance companies that include dental care coverage, however, we have chosen only the best ones for you.
If you are in a dilemma and can’t seem to decide which insurances are the best one for your pet, we are glad to help.
Here are the top-rated dental insurance companies:
The company’s insurance policy also features an entire section on dental coverage. Trupanion’s pet dental coverage includes a variety of non-routine dental procedures, such as tooth extractions, developmental anomalies, and other procedures.
One of Trupanion’s prerequisites is to enlist your cat or dog for a pet insurance policy before the age of six months, and voilá, your pet is eligible for exceptional, insurance-covered care and 90% dental coverage.
Pets Best‘s dental coverage is extensive, with an entire department devoted to it. What’s best about this pet insurance company is that it offers an optional prophylactic plan that can assist with covering the costs of dental cleanings along with associated dental issues.
Non-routine dental care for issues such as periodontal diseases, tooth removals, and injuries to the teeth, face, and jaw, is also covered.
Embrace is quite upfront when it comes to them assisting you in preventing unpleasant coverage surprises. We are fond of the fact that Embrace offers a variety of wellness plans that cover things like non-routine dental treatments, tooth extractions, and injuries to the teeth, face, and jaw, among other mishaps. The specific dental plan covers routine checks, toothbrushes, toothpaste, dental chewables, and more.
Pet Dental Insurance Plans
Every one of our 3 best-rated insurance companies offers a variety of available plans that differ from one another based on certain criteria.
For instance, Embrace’s pet dental insurance compares well against Trupanion’s when dental cleanings are in play. Trupanion doesn’t provide dental cleaning for your pets, while Embrace’s wellness plan is developed specifically for that particular reason. As a plus, you are eligible for a deductible of $250, $450, or $650.
On the other hand, Pets Best has an amount of $100 set aside for dental care, which is less than what Embrace offers.
When we take the covered diseases into consideration, Pets Best is better than Trupanion because it covers periodontal disease. Periodontal disease, also known as gum disease, is often covered by very few insurances, so it’s a great thing that both Embrace and Pets Best cover it. At Trupanion, only canines and carnassials are eligible for periodontal coverage.
We hope we have narrowed down the choices for you and helped you make an informed decision on which dental insurance to pick.
However, for further more detailed information, it might be best if you check out the official websites of the insurance companies.
Best Pet Dental Insurance for Dogs
Out of the 3 pet dental insurance companies we suggested, we decided that the best option for dogs is Embrace! From the great coverage options it embraces, to the best customer service and short waiting periods, Embrace surely deserves to be the go-to company for dental care for dogs.
Embrace offers three wellness plans to choose from, which offer reimbursement amounts of $250, $450, or $650 annually, and each of them covers the following issues:
- Teeth cleaning on a regular basis by a vet
- Toothbrushes and toothpaste for dogs
- Treatment for gum infection (periodontitis)
- Yearly dental examinations
- An assigned groomer
- Dietary supplements for dental health
The prices for a dental plan for dogs at Embrace are very affordable, ranging between $38.97 and $59.80 for different breeds under the age of 1. However, if your dog is 10 years old or older, you should expect to pay more for a dental insurance plan, starting from $69.76 to $107.04.
Best Pet Dental Insurance for Cats
We have chosen Trupanion as the best pet dental insurance for cats, mainly due to the great quality and affordable prices it offers. Although it doesn’t cover many dental illnesses, Trupanion still holds a reputation for being exceptional.
For cats under the age of 1, Trupanion offers the lowest prices, varying from $29.09 to $31.69. On the other hand, when it comes to older cats, Trupanion’s fees go up, especially if the cat is around 10 years old. The costs vary from $74.15 to $85.72.
Some of the most common cat dental illnesses and mishaps that are covered by insurance are:
- Scaling, cleaning, and polishing of the teeth
- Any ailment that is a hereditary, congenital disease, dental malocclusion, cystic tissue around the teeth
- Periodontal disease (gum disease), which is caused when bacteria pile up along the gum line
- Outstanding veterinary care and regular physical exams, necessary for any illness or condition