Pet Insurance for Dental Care

Cat Yawn Teeth

Find dog and cat insurance policies that cover dental care

It can be difficult to find pet insurance that includes dental cover, and sometimes it might seem like you’re spending more time on your pet’s teeth than your own. Both cats and dogs are susceptible to similar dental issues as people, and it can be worth looking for a pet plan with effective dental care.

It’s important to check for dental cover because standard pet insurance policies will often exclude it. This guide runs through some of Australia’s pet dental options as well as alternatives you might want to consider.

Compare pet insurance policies with dental care cover

Details Features
Major Medical Cover
Major Medical Cover
Reimburses 80% of veterinary treatment related to Accidental Injury and Illness.
  • $15,000 annual benefit limit
  • 80% of vet bill covered subject to terms and conditions
  • $1200 emergency boarding fees per year
  • 5% discount for each additional pet insured up to 15%
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Comprehensive Cover
Comprehensive Cover
Price Beat guarantee on comparable pet insurance policies.
  • Accidental Injury and Illness Cover Plus Routine Care
  • $12,000 annual benefit limit
  • $1,500 annual tick paralysis benefit
  • Up to $1,200 emergency boarding fees
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Ultimate Cover (Accident & Illness)
Ultimate Cover (Accident & Illness)
Get up to $11,000 cover every year on eligible bills. Benefit from a 10% multi-pet discount.
  • $11,000 annual claim limit
  • Up to 80% of eligible vet bills back*
  • No excess
  • Premiums go towards supporting the RSPCA
  • Optional routine care cover
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Premium Accident & Illness Cover
Premium Accident & Illness Cover
Get 10% of the premiums you’ve paid back after the first 12 months with The Real Reward.
  • $12,000 annual claim limit
  • Up to 80% of vet bill covered subject to terms and conditions
  • Take your pet to any licensed vet practice in Australia
  • Optional routine care benefit
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Comprehensive Plan
Comprehensive Plan
Free online dog training course valued at $99 for successful applications.
  • $8,000 or $12,000 annual benefit limit
  • Up to 80% of vet bill covered
  • Excess of $0, $100 or $200 per each unrelated condition
  • Optional Routine Care Cover
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Sovereign Accident & Illness Cover
Sovereign Accident & Illness Cover
With every additional pet, you get a 10% discount. Offers optional coverage for routine care.
  • Cover up to 85% of eligible vet bills*
  • Claim up to 14,000 per year
  • Optional routine care
  • No excess
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Gold Accident and Illness
Gold Accident and Illness
With no joining fee and no excess to pay, it’s affordable protection for your four-legged friend.
  • Cover up to 75% of eligible vet bills*
  • Maximum claim of $12,000 per year
  • You’re free to choose any licenced vet in Australia
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Accident and Illness Cover
Accident and Illness Cover
Cover 75% - 85% of your veterinary treatment costs up to $12,000. Multi-pet discount up to 10%.
  • Annual limit up to $12,000
  • $500 tick paralysis treatment cover
  • 10% multi-pet discount
  • $300 in consultations covered per annum
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What does pet insurance typically cover?

All pet insurance policies in Australia can be divided into three parts:

  • Accident cover. Pays for costs relating to physical injuries or resulting from accidents such as snake bites or being hit by a car
  • Illness cover. Pays for sickness and illness treatment costs
  • Routine care extras. Reimbursement for certain routine care expenses, such as microchipping, neutering or teeth cleaning.

Is dental covered under pet insurance?

Many policies will specifically exclude dental treatment from these forms of cover.

If your dog suffers tooth damage after being hit by a car, for example, an accident policy might only cover broken bones and other injuries, but not dental issues such as fractured teeth.

More importantly, the same can also apply to illness cover. You cannot assume that oral diseases such as gingivitis or periodontal disease are covered by your pet insurance policy, even with sickness cover.

  • If you have not specifically purchased a pet “dental illness” extra, you probably aren’t covered for any major pet dental treatments.
  • The “dental illness” extra is not available with all insurers, and you will need to specifically look for it

What do pet dental plans actually cover?

Including pet dental cover with your policy will cost more than going without, but can be a valuable investment. It can be a good idea to consult your vet before taking out a policy for an idea of how likely you are to use these benefits and to learn how to properly care for your pet’s teeth.

Dental plans usually cover the following:

  • Gingivitis
  • Abscesses
  • Tooth removal
  • Dental diseases resulting from infection
  • Retained deciduous teeth
  • Cavities
  • Tooth fracture

These encompass most of the common dental conditions likely to affect cats and dogs, but any other oral diseases or dental conditions are not covered. Ensure you read the PDS properly as each policy is different.

What dental treatments are never covered?

Pet dental plans do not cover the following treatments:

  • Cosmetic dental procedures
  • Orthodontics
  • Root canals
  • Odontoclastic resorptive lesions (one of the most common dental issues in cats)
  • Other oral treatments not listed above

Regular pet dental care can help minimise the chances of these and other dental issues. The routine care extra, available with many pet plans, can reimburse you for teeth cleaning costs to help keep your pet’s teeth in good shape.

Is dental illness cover worth it?

Pet dental is useful, but may not always provide value for your money. Even with this type of cover, you will still not be able to claim all dental treatments that may be required.

Compare policies with dental cover to those that don’t include it, and consider whether it’s worth the additional cost. Once again, consulting your vet beforehand can help you understand the health risks your pet is likely to encounter over the years.

You must also take proper steps to maintain your pet’s health in order to use this type of cover, which often means spending a bit more on essential pet products, but you will probably be doing this anyway. Picking up discounts can also help you reduce your premiums.

If the premiums of pet insurance with dental cover are too high for your circumstances, it’s also worth considering other policies. The routine care extra, with benefits for teeth cleaning, is much more widely available and more affordable than dental illness cover.

To compare the costs, consider getting quotes from the insurers above, which do offer dental cover, and see how much it costs compared to the insurers below which do not include it.

Andrew Munro

Andrew writes for finder.com.au, comparing products, writing guides, sniffing out deals and looking for new ways to help people get the most out of their money.

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