Pet Insurance That Covers Dental
If you are looking for pet insurance that includes dental coverage, you can explore policy options and compare plans with Savvy today.
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Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget.
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Just like humans, pets can suffer from dental issues that can lead to discomfort, pain and even serious health complications, so their dental health should not be overlooked. If you are looking for a pet insurance policy that covers dental treatments for your animal companion, Savvy can help.
Our free online comparison tool allows you to compare different policies from our panel of trusted insurers, filtering on coverage, benefits and exclusions to find a policy that suits your pet's needs. Get started on your no-obligation quote today.
Does pet insurance include dental cover?
While pet insurance covers a wide range of health conditions, dental cover is not generally included as standard and is only available on select comprehensive plans, usually as an optional extra. Basic treatments may be available under routine care, or your insurer may offer more extensive dental illness cover. What is covered varies between policies, but may include:
- Gingivitis: a common gum disease that can lead to irritation, redness and swelling around the base of teeth.
- Abscesses: infected, pus-filled pockets in the mouth or root of teeth, often caused by infection or bite wounds.
- Tooth removal: medically necessary extraction of teeth due to dental disease arising from infection, cavities, fractures or retained deciduous (baby) teeth.
- Periodontal disease: a gum infection caused by a build-up of plaque.
- Tooth resorption: the breakdown and absorption of teeth, which is a common condition in cats.
- Oral tumours: benign or malignant tumours that may occur in the mouth.
- Dental trauma: dental injuries resulting from accidents or trauma.
- Preventative care: regular dental check-ups and teeth cleaning.
Waiting periods often apply before you can claim dental treatments on your pet insurance, usually between 6 months and 2 years. Additionally, policies may have exclusions, benefit and claim limits, and excess payments so it is important to check your policy terms and conditions to understand what is covered.
What does pet dental insurance not cover?
Dental insurance can provide valuable financial support for your pet’s oral health, but there are certain treatments and conditions that may not be included in the coverage. This may include:
- Pre-existing conditions
- Orthodontic treatment, crowns or root canals
- Cosmetic dental surgery or corrective treatment aimed solely at enhancing the appearance of your pet’s teeth
- Elective treatments or non-medically necessary procedures
How can I tell if my pet has dental issues?
Dental problems can be uncomfortable and painful, but pets will not be able to directly communicate their discomfort. It’s therefore important to be vigilant and looks out for signs that your pet might be facing dental issues. These might be:
- Bad breath: foul or persistent bad breath can be a sign of dental problems.
- Difficulty eating: if your pet shows reluctance or discomfort while eating, it might be due to dental pain.
- Excessive drooling: drooling more than usual could indicate oral discomfort or issues.
- Pawing at the mouth: pets might paw at their mouth if they are experiencing dental pain.
- Bleeding gums: gums that bleed during eating or when touched can suggest gum disease.
- Discoloured teeth: teeth that are broken, discoloured or covered in tartar may indicate dental problems.
- Changes in appetite or behaviour: a decrease in appetite or changes in behaviour could signal dental issues.
If you notice any of these issues, you should contact your vet for a diagnosis and treatment.
How can I prevent dental issues in my pet?
Maintaining your pet’s dental health is not only about addressing issues as they arise but also about taking proactive steps to prevent dental problems from occurring in the first place. Just like regular check-ups and brushing are essential for your own oral health, there are several preventative measures you can take to promote your dog or cat’s dental well-being:
- Regular teeth brushing
- Dental-friendly foods
- Dental chews and toys
- Regular veterinary check-ups
- Professional cleanings
- Water additives and oral rinses
- Watch out for early signs of dental problems
- Avoid human dental products
Types of pet insurance you can choose from
This is the most basic type of pet insurance, covering costs for accidental injuries such as car accidents, poisoning, burns, fractures, snake and spider bites, but not illnesses and other conditions.
This type of insurance provides cover for accidental injuries as well as illnesses like cancer, gastrointestinal problems and eye, ear and skin conditions, but not routine care for your pet.
This offers the highest level of protection, covering accident and illness and potentially routine care such as vaccinations, dental care, worm and flea treatments and microchipping.
Why compare pet insurance with Savvy?
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Choice of insurers
We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.
How to get your pet's dental issue treated
Recognise the signs
Pay attention to your pet’s behaviour. Look for signs like persistent bad breath, excessive drooling, difficulty eating, pawing at the mouth or changes in appetite. These can indicate potential dental issues.
Consult a vet
Schedule an appointment with your veterinarian. During the visit, the vet will conduct a thorough examination of your pet’s oral health, including teeth and gums. They will diagnose the issue and recommend necessary treatments.
Agree a treatment plan
If dental treatment is required, your vet will outline a treatment plan. This may include teeth cleaning, extractions or other procedures. They will explain the procedure, expected outcomes and potential risks.
Undergo treatment
Schedule the dental procedure. On the day, the veterinary team will perform the required procedure, potentially under anaesthetic. Your vet will also provide post-operative care instructions, which may include pain management, antibiotics or a special diet to ensure a smooth recovery.
Submit your claim
If you have pet insurance with dental coverage, gather all relevant documents from the vet visit and procedure. This may include invoices, treatment details and medical records. Submit a claim to your insurance provider according to their guidelines. Once approved, you’ll receive reimbursement for eligible expenses.
Alternatively, if your plan has GapOnly cover, you may be able to claim on the spot, removing the need to pay up front and claim later.
