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Does pet insurance cover cat dental care?

Does pet insurance cover cat dental care?

A cat’s teeth do a lot of work, so they need a lot of looking after. That’s why it’s so important to understand whether your pet insurance covers a trip to the cat dentist. We take a look at common questions around cat insurance and dental cover. 

Tom Harrison
Content writer
minute read
posted 8 OCTOBER 2019

Does pet insurance include dental cover?

Sometimes. It depends on what insurance policy you buy. Some will offer a degree of dental cover, but it’s really important to read the policy terms and conditions carefully to check what’s included.

Dental insurance for cats can be offered at different levels depending on what policy you buy – another reason to read the small print as you don’t want to find out when you claim that the type of tooth problem your cat has isn’t covered.

Some dental insurance will cover any issues affecting your cat’s teeth that were caused by an accident or illness. However, some dental cover can be very limited indeed. For example, a plan might only pay out in cases of external damage or for extractions of milk teeth.

Dental cover won’t include routine check-ups and cosmetic dental treatment.

How much does it cost to take a cat to the vet?

If you’re taking your cat to the vet for dental treatment, the cost can vary. Specific dental treatment costs include:

Common procedures Average costs
Scale and polish £100
Tooth extraction (1-3 teeth) £110-£120
Tooth extraction (multiple teeth) £130-£140
X-Ray £80-£200

Can cat dental cover be an 'add-on' or be bought as separate policy?

No, dental cover for cats isn’t usually covered by a separate policy. So if it’s important to you, check the terms and conditions of the policy you’re considering. 

What dental conditions do cats suffer from?

Unfortunately, cats can have problems with their teeth and gums. These include:

  • gum disease – an estimated eight in ten cats over the
  • age of three have tooth and gum problems
  • fractured teeth
  • ulcers
  • tooth-related irregularities
  • tooth damage from accidents

Can I prevent dental problems in my cat?

You can reduce the chances of needing to make a dental insurance claim if you look after your cat’s teeth. You can try:

  • brushing their teeth every day – charity Cats Protection recommends this, although they warn that cats need to be trained to let you do this.
  • Buying dental chews and toys – these can help keep their teeth healthy.
  • Trying special dry food diets to help enhance your cat’s oral health.
  • Regular check-ups – it’s a good idea to let your vet check your cat’s mouth for gum disease and clean away any plaque to prevent dental diseases.

Why is it important for my cat to have dental cover?

A visit to the cat dentist can be very pricey, with bills running into the hundreds of pounds. So there are clear benefits from choosing pet insurance that includes dental cover, although it can be more expensive.

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