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Pet Dental Insurance Pre Existing Conditions – Dental disease (and the accompanying vet bills) is expensive to treat, so it’s a good idea to find pet insurance that includes dental coverage. But not all pet insurance plans are created equal. Benefits, exclusions, and eligibility conditions for dental coverage vary widely.
To help you navigate the complicated world of pet dental coverage, we explain the terms and services that pet insurance plans may include, those that may not, as well as the restrictions you may need. to know
Pet Dental Insurance Pre Existing Conditions
Dental (AKA periodontal or gum) disease is one of the most common ailments seen in dogs and cats. About 70% of cats and 80% of dogs develop dental disease by the age of three, but pet owners often don’t see it. Left untreated, dental disease can cause:
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It can even cause dangerous diseases that spread to major organs, such as the heart, lungs, liver and kidneys. When the disease is detected, treatment can be costly and time-consuming, especially if it is diagnosed in the later stages.
Severe cases of gum disease or periodontal disease can wreak havoc on a pet’s mouth and body, eventually leading to an increased risk of heart, kidney and liver disease. Between 2017 and 2020, the average claim cost for dogs with periodontal disease was $1,942 – just think of all the food you could buy with that!
Given the severity of advanced periodontal disease, protecting your pet’s teeth is critical to their overall health and well-being. Considering the high price, coverage for diagnosis and treatments for dental disease is a vital part of your pet’s overall insurance coverage.
Tip: A regular toothbrushing schedule can help prevent periodontal disease. If you can’t brush your pet’s teeth every day, try to clean those teeth at least once a week!
Does Pet Insurance Cover Vet Visits?
Note that pet insurance does not always include dental disease coverage. Many pet insurance plans exclude dental disease coverage or have preventive care requirements that you must meet before your pet will be covered. It pays to check the policies of the plans you are considering to fully understand what is included in their dental coverage.
With plans, we’re proud to offer dental coverage because we know it’s a necessity, not a nice-to-have. Dental conditions can happen to any pet at any age, so having this coverage is essential.
Teeth cleaning is a form of preventive care (also known as wellness care). While regular cleanings are key to reducing dental health issues, pet accident & illness insurance plans are not designed to offer coverage for general oral health and hygiene maintenance.
Some insurance plans that offer dental disease coverage, including plans, do not cover annual dental exams or cleanings unless they are used to treat an illness, such as gum disease.
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This is where coverage can get confusing. Sometimes, a dental cleaning (usually preventive) is prescribed as a treatment for an existing dental disease. When prescribed as treatment for a covered condition, dental cleanings may be covered under your pet insurance plan.
To help pay for preventative care, some pet insurance providers offer a wellness plan or wellness package that can be used for dental services. Depending on the provider, you may be able to purchase this separately or as an add-on to your insurance plan.
Your pet may need a tooth extracted for a variety of reasons, from periodontal disease to dental injuries from biting something they shouldn’t. Most pet insurances that offer dental disease coverage, including plans, cover tooth extraction for accident or illness.
Periodontal disease is the most common disease that leads to tooth extraction, but a broken tooth, tooth decay, or an unbroken tooth (when a tooth is stuck below the gum line) are other common conditions that call for the this surgery.
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Without insurance, veterinary bills for tooth extractions can be costly. The procedure requires cleaning, x-rays, general anesthesia, blood work, IV fluids, and post-surgery hospitalization, all of which add up to about $500 to $900 per tooth, making coverage essential to pet owners.
Some pet insurance plans cover dental treatments for illnesses and accidents. This can include a wide range of conditions that your pet may have, including:
Here is a list of elective or cosmetic dental procedures and services that pet insurance plans typically do not cover:
Other than these services and procedures, most preventive dental services are not eligible for reimbursement with a pet insurance plan. Plans likely won’t cover medications, appliances, or treatments related to routine oral hygiene, such as toothbrushes and toothpaste, toothpaste, or dental supplies.
What Does Pet Health Insurance Not Cover?
Preventive dental care refers to services you perform or pay for that are intended to help prevent dental disease. This can include regular dental cleanings or buying teeth-friendly snacks and toys.
Yes, there are a few. If your pet has a pre-existing dental condition, this would not be covered by most pet insurance policies. Likewise, if a dental illness occurs or symptoms appear during the waiting period, this may not be covered.
Before treating your pet’s dental treatments for ailments, some pet insurance plans require you to bring your pet in for an annual dental exam and teeth cleaning – and pay for it out of pocket. Additionally, they may only give you up to a certain amount (like $1,000) per year or condition.
Fortunately, insurance plans do not require you to bring your pet in for an annual dental cleaning. dental plans do not have a separate annual limit, so you won’t get any extra surprises when it’s time to take your pet to the vet. If your pet needs expensive surgery for gum disease, plans will reimburse you for eligible expenses up to your plan’s annual limit.
Can I Use My Hsa For My Pets?
You may not find pet dental insurance as a separate type of insurance from a pet accident and illness insurance plan. This is why it is extremely important to ensure that dental disease coverage is included in your pet insurance plan.
You may be able to find a wellness plan that includes routine dental care as a benefit, but this will not help you pay for expenses related to dental illnesses or accidents.
A great pet insurance plan will include dental disease coverage in its policy. That said, dental coverage varies greatly from provider to provider. The best insurance plan for you and your pet will depend on your individual needs, budget, and coverage requirements.
For help comparing different pet insurance providers, we have a helpful comparison page here. This page provides an in-depth look at plans from providers such as AKC, Embrace, Trupanion, Figo, and Healthy Paws.
How To Pick The Best Pet Insurance
Taking regular care of your pet’s teeth is a big help when it comes to keeping dental issues at bay. While brushing your dog’s teeth can be a pain, and brushing your cat’s teeth to clean can be a chore, it’s worth it.
We created a full guide to caring for your pet’s dental health, but we’ll give you the quick version here:
Dental problems are no fun for you or your pet, and dental disease coverage can save you thousands of dollars over your pet’s lifetime. However, it’s important to remember that not all insurance plans are created equal – and neither is all dental coverage. Do your homework and find out if the pet insurance plan you’re considering offers this coverage—and don’t forget to read the fine print! Next, take your research a step further and see what specific benefits the plan offers, as well as exclusions, requirements, and limitations you may be aware of.
Your best friend deserves only the best pet dental care, and pet insurance can help make that possible. Discover more ways plans can keep your four-legged friends healthy and happy!
Pet Dental Insurance: All You Need To Know (2023)
* Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductibles, coinsurance, benefit limits and exclusions may apply. For full terms, visit / insurance policy. Products, discounts, and rates may vary and are subject to change. Insurance Services Inc. () is a licensed insurance agency, not an insurer. Insurance is underwritten by the United States Fire Insurance Company, Crum & Forster Company and issued by . receives compensation based on the premiums for the insurance policies it sells. For more information visit /subscribe-info ** Preventive Essentials is not an insurance policy. It is offered as an optional non-insurance benefit. is responsible for production and administration. For full terms, visit /customer agreement. PERFORMANCE INFORMATION: Comparative information is provided using publicly available information as of 11/21/2021 and is intended only to summarize program characteristics, not a specific plan. Review the provider’s plan terms for more information. The description of the provider’s plans is not provided by that company. If you have questions about other plans, contact that company’s representative. It is our aim to provide fair and accurate comparison information. We try to keep information up to date but it may change from time to time. If you are aware of any error or change in the information provided, please let us know by email [email protected]. All brands
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