Does Pet Insurance Cover Dental Cleaning?

By | 2018-06-10T14:33:10-04:00 June 2nd, 2018|Pet Insurance|0 Comments

Routine checkups with your veterinarian are an essential part of being a responsible pet owner. From weight or growth checks, to heartworm medication refills, and simply being an opportunity to discuss concerns with your vet, these routine visits play an important role in maintaining the health of your pet. Routine dental cleanings are an important aspect of ensuring the good health of your dog or cat.

Important Information About Dental Cleaning and Treatment Coverage

  • Routine dental cleaning is often included as a add-on within a wellness plan.
  • Not all pet insurance companies offer wellness plans, but many do, read more below.
  • Non-routine dental accidents are often included even without an add-on wellness plan.
  • Coverage for dental accidents varies by company and by location.

Just as your own dental health can have an impact on the rest of your physical health, the same holds true for your pet. A cracked tooth or excessive tartar buildup can quickly turn into an abscess that leads to the health of your pet spiraling down. Dental cleaning can keep your pet’s teeth and gums in tip top shape, removing tartar buildup that can otherwise potentially lead to inflammation, infection, and gum disease.

While there is some variation to be expected, based on the age of your pet, type of pet, and the billing practices of your veterinarian, on average you could see a dental cleaning cost in the range of $200 to $500 per pet.

The type and size of your pet, and his or her mouth, could also potentially impact the amount that you pay for the dental cleaning.

Having a solid insurance policy for your pet can potentially help to offset some of the costs that you face each time that you pay a visit to your veterinarian. It is important to note that not all pet insurance plans cover wellness coverage which includes dental cleaning. This is because most insurance plans for pets are designed to provide that extra level of coverage for injuries or serious illnesses that your pets may go through, and not wellness.

When you are researching the right pet insurance policy for your needs, you can look for a policy that includes routine care and wellness procedures. There are several plans available that specifically address routine checkups, including dental cleanings, and those wellness and preventative procedures that will help you to keep your pet healthy and happy.

Companies That Offer Dental Cleaning Coverage

Investing in a wellness plan can help you to ensure that you have the right coverage for your pet’s dental health needs.

  • Pets Best Insurance offers a plan that includes coverage for your pet’s dental cleaning, and will cover up to $150 of the procedure. 
  • Hartville offers an add-on Preventive Care package which includes partial reimbursement for dental cleanings.
  • Embrace offers up to $650 reimbursed for dental cleaning and treatments if you have their Wellness Rewards plan.

The additional monthly costs of these plans, as compared to the other non-wellness plans offered, may make it worth the investment when compared to the out of pocket cost you’d otherwise be facing at your veterinary clinic for this and other procedures that are covered under the policy. However, many popular companies such as Healthy Paws and Figo do not cover routine dental cleanings and do not offer wellness plans.

It can be tempting to skip the dental cleaning, and other wellness procedures. However, keeping up with dental cleanings can help to save you a significant amount of time and money over the life of your pet. Dental concerns can quickly escalate if they are allowed to proceed unchecked. An annual dental exam and cleaning will not only keep your pet’s teeth and gums healthy, but it will allow your vet to identify any areas of concern that can be addressed before they can escalate and turn into a serious infection or other complication that may even require surgery.

Be certain that you discuss any underlying health concerns that your pet struggles with, so that your vet can be aware of them prior to the dental cleaning. Your pet will need to be put under anesthesia for the cleaning, and some pets may have a sensitivity to the medication used for the procedure itself. Older pets may also be susceptible to side effects from the procedure, so it’s important to consider the age and other related risk factors unique to your pet and your type of pet.

About the Author:

As a pet owner, Kerry has personal experience with pet insurance and all it does and doesn’t cover. With an unbridled passion for the written word, Kerry brings more than 12 years of experience providing the highest quality written work. Kerry specializes in writing about pets, dental health, and medical topics.

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