Pet Dental Insurance
Cats and dogs need dental treatment too - and the costs can quickly add up. The good news is, pet insurance can help.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
It can be tough to find pet insurance that includes dental cover, and sometimes it can 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 can leave your little buddy in pain. Pet insurance can help take away some of the pain - and the pain of the cost, too.
A quick Google search might suggest that there are a lot of comprehensive pet insurance policies out there that cover dental care for pets. Unfortunately, most (if not all) of these policies only cover routine dental (i.e. things like cleaning) - and that too, only up to a maximum of $50 per year. Just make sure you read the fine print to know what you're getting!
Compare pet insurance policies with up to $2000 of annual dental cover
Is dental covered under pet insurance?
Most pet insurance policies specifically exclude dental treatment.
If your dog suffers tooth damage after being hit by a car, for example, an accident policy might cover broken bones and other injuries, but not dental issues such as fractured teeth.
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.
It's important to know:
- 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 a bit more than going without, but can be a valuable investment. It's 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:
- Tooth removal
- Dental diseases resulting from infection
- Retained deciduous teeth
- Tooth fracture
These are 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. Also good to know: there's normally a waiting period before you can claim for dental benefits - and this can be as long as 2 years, so make sure you take out pet insurance sooner rather than later.
What dental treatments are never covered?
Pet dental plans do not cover the following treatments:
- Cosmetic dental procedures
- 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. A routine care extra, usually only available with comprehensive pet plans, can reimburse you for teeth cleaning costs to help keep your pet’s teeth in good shape.
More guides on Finder
How much do veneers cost in Australia?
Find out how much veneers cost in Australia and how you can avoid being hit with a big bill.
How much do dentures cost in Australia?
Find out how much dentures cost in Australia and how you can get cover with mid-level health insurance.
How to start a pet sitting business
Do you love working with animals? Find out how to start your pet sitting business.
Life insurance if you have a pacemaker
Can you get life insurance if you have a pacemaker? We explain how it works.
Does homeowners insurance cover rodent damage?
Is it possible to get insured against damage caused by pesky rodents? Find out here.
Granny flat insurance
Find the right granny flat insurance, whether you're renting yours out or you've moved into one.
TPD insurance in super
Find out if TPD insurance in super is right for you.
Standalone vs bundled life insurance
Find out about standalone and bundled life insurance.
Find out the ins and outs of art insurance and what type of cover is right for you.
Life insurance for people with dementia or Alzheimer’s
It’s possible to get life insurance if you or a loved one has been diagnosed with dementia and Alzheimer's. Find out how.
You might like these...
How much does it cost to insure a dog in Australia?
Ask an Expert