pet insurance for dental disease
A pet’s dental health is more than fresh breath and pearly whites. If an accident or illness were to happen to your cat or dog’s teeth, would pet insurance help you cover the cost of their dental care? This is why it pays to get an ASPCA® Pet Health Insurance policy as early as possible, so you get the most out of coverage.
Dental health is more than fresh breath and pearly whites. If an accident or illness were to happen to your pet’s teeth, insurance could help you cover the cost of their dental care. This is why it pays to get a pet insurance policy as early as possible, so you get the most out of coverage.
common questions
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What's covered?
Complete CoverageSM covers tooth extractions for dental accidents. It also covers dental illnesses and a wide range of dental illness treatments, like:
- Gingivitis
- Stomatitis
- Periodontal disease
- Tooth abscesses
- Cancerous oral growths and tumors
- Tooth extractions
- X-rays
- Scans
- Treatments
- Prescription medicine
Accident Only covers tooth extraction for injured teeth ONLY. Complete CoverageSM covers teeth cleanings that are prescribed to treat dental illnesses and diseases. Routine teeth cleanings are included in preventive care coverage, which is available as an add-on to your base-plan for an additional low monthly cost.
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What’s not covered under pet dental insurance?
Our plans don’t cover cosmetic, endodontic, or orthodontic services such as caps, implants, and filings; routine dental care such as teeth cleaning; or pre-existing conditions that occurred before coverage began. Cleanings are only covered under Complete CoverageSM if prescribed as treatment for dental diseases and illnesses, or if you add Preventive Care coverage to your base plan for an additional low monthly cost. For a full list of exclusions, check out a sample policy.
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Does pet insurance cover dental surgery and tooth extractions?
Complete CoverageSM will cover tooth extractions for an accident or illness. Periodontal disease is the most common illness that leads to tooth extractions, but conditions like deciduous teeth, complicated tooth fractures, or unerupted teeth can all require dental surgery.
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Does pet insurance cover routine dental care and cleanings?
Preventive Care covers routine dental care for dogs and cats and is available as an add-on. This plan offers some coverage for annual wellness exams, which should help catch dental problems like periodontal disease or gingivitis early on. Routine cleanings are only covered by the optional Preventive Care Coverage add-on.
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What’s a “dental accident”?
A dental accident can take various forms. Most cats and dogs can fracture a tooth by simply biting something with too much force or playing a bit too intensely.
the cost of pet insurance for dental disease and illnesses
Dental disease coverage is part of the illness coverage included in the ASPCA® Pet Health Insurance plan, Complete CoverageSM. Your premium for Complete CoverageSM will depend on where you live as well as the species, breed, and age of your pet. Other factors that impact premiums are the reimbursement percentage, annual deductible, and annual coverage limit you select. We keep these features customizable, so it’s easier to find a plan that fits your pet’s needs as well as your monthly budget.
Accident Only covers tooth extraction for injured teeth ONLY. Complete CoverageSM covers teeth cleanings that are prescribed to treat dental illnesses and diseases. Routine teeth cleanings are included in preventive care coverage, which is available as an add-on to your base-plan for an additional low monthly cost.
Complete CoverageSM
Complete CoverageSM can help cover the cost of your pet’s dental treatments, procedures, diagnostics, and medications related to dental illnesses.
It pays to get a pet insurance plan as early as possible, so you can get the most out of coverage. Get a quote for a customized ASPCA® Pet Health Insurance plan today.
Fetch a Quotecommon dental issues in pets
Maintaining your pet’s dental health is essential for their overall health. Left untreated, dental disease can cause chronic pain, eroded gums, and deciduous teeth. Having pet dental insurance in place 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 disease coverage through an ASPCA® Pet Health Insurance plan can help alleviate expensive vet bills if your cat or dog develops a dental disease that requires ongoing care.
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Dental Disease Insurance for Dogs
If your pup is over four, chances are high they’ve developed periodontal disease; 90% of dogs* do. Other common canine dental issues include deciduous teeth, gingivitis, malocclusions, and unerupted teeth.
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Dental Disease Insurance for Cats
More than 70% of cats* over two have developed periodontal disease, which can damage the gums, ligaments, and bone, leading to serious health problems. Along with periodontal disease, feline dental issues include stomatitis, abscessed teeth, and gingivitis.
more info on pet insurance basics
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What's Covered
From unexpected accidents to unfortunate illnesses, Complete CoverageSM is our most comprehensive plan and gives you the comfort of knowing your pet is covered.
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Is Pet Insurance Worth It?
Pet insurance helps us give our pets the kind of medical care we want for them with less stress about the cost.
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What To Know Before You Buy
Our Preventive Care coverage add-on, available as an add-on for an additional low monthly cost, gives you cash back for routine services that help keep your pet healthy, including routine dental care and cleanings.
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How Does Pet Insurance Work?
Pet insurance is insurance for your pet. It covers the eligible cost of treating certain illnesses and accidents, so you don’t have to pay for veterinary services out-of-pocket.
helpful resourcesfor pet parents
Browse categories
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Dog Stomatitis, Gingivitis, and Gum Care
It’s so important to take great care of your dog’s teeth. Poor dental hygiene can lead to gum disease and serious health issues.
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What Is Cat Stomatitis and Gingivitis? Cat Gum Care
Most cats have initial signs of gum disease by the time they are 3 years old, according to the American Veterinary Medical Association.
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Dental Care for Cats
Taking care of your cat’s teeth is about much more than aesthetics. All cats need good dental care to help avoid periodontal disease and other issues.
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How to Brush a Dog’s Teeth
How often do you brush your dog’s teeth? If you answered rarely or never, it’s time to brush up on dog dental care.
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At-Home Pet Wellness Check-Ins
Pet wellness can include many things relating to their physical health. There are many ways to prioritize your pet’s health between veterinarian appointments, including dental care.
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Your Pet’s First Vet Visit
Learn about some general services recommended for young pets, such as spaying/neutering, dental cleaning, and microchipping.
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