Pet insurance including dental cover
Here’s a bunch of pet insurance options to keep both you and your furry bestie smiling.
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We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
Key takeaways
- Pet dental insurance distinguishes between illness cover, routine care and accidental injury for various treatments.
- Policies commonly cover issues like gingivitis or tooth fractures but usually exclude cosmetic or orthodontic work.
- Compare policies closely as dental illness cover is often an optional add-on and benefits vary between providers.
How does pet insurance cover dental?
Dental illness cover
This can help pay for dental illnesses your dog or cat has such as gingivitis, abscesses and tooth removal. It's often only available as an add-on. Only a handful of insurers offer this type of cover and, in most cases, you'll see it referred to as dental illness cover.
Routine care
Routine care is usually an optional add-on with most pet insurance policies and covers your pet for some basic preventative treatments like teeth cleaning. It also covers things like desexing, general health checks and vaccinations, but it doesn't cover dental illnesses.
Accidental injury
Accidental injury is usually covered as standard with most pet insurance policies. Some treatments regarding teeth can be covered under this category. For example, a fractured tooth could be covered.
What can dental insurance for pets cover?
Pet dental insurance policies can cover you for the following:
- Gingivitis
- Abscesses
- Tooth removal
- Dental diseases resulting from infection
- Retained deciduous teeth
- Cavities
- Tooth fracture
For a full list of inclusions, be sure to read your product disclosure statement (PDS). This will clearly outline what your pet insurer covers, under what category and if it’s included as standard or if you need to purchase it as an optional extra.
What does pet dental insurance not cover?
You'll generally find that the following treatments are never covered by any pet dental insurance policy:
- Cosmetic dental procedures
- Orthodontics
- Root canals
- Odontoclastic resorptive lesions (one of the most common dental issues in cats)
- Other oral treatments not listed above
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is full dental care included in my quotes. no routine dental care. i want a quote for basic and comprehensive care
Hi Yvonne, All the plans listed here include some dental cover, but every policy differs in what’s included, and no policy has utterly comprehensive care — all include limits on totals payable, for instance. If you pick a provider and get a quote, you’ll see much more detail on what applies for your pet. Hope this helps.