A simples guide

Does dog insurance cover dentistry?

Not all dog insurance policies will include cover for dental treatment, but many do include this benefit to some extent. When comparing pet insurance, if you decide dental cover is important to you – make sure you compare product features and not just prices on offer.

Is dental covered as standard for dog insurance?

Typically, the more comprehensive your cover, the higher your premium will be, so a policy that includes dental cover is likely to be more expensive than one which doesn’t. However, if you choose to buy a policy that does not include dental cover, then be aware that the costs of unexpected dentistry could amount to hundreds pounds. Extractions, or the need for anaesthetics or antibiotics could swiftly push up the costs.

If, when choosing a policy, it a does include dental cover, cosmetic dental treatment may still not be included – which is why you should carefully check the policy wording before you buy. Some dental insurance cover can be limited, for example a plan might only cover external damage or for extractions of milk teeth.

Finally, it is unlikely that you will be able to find an insurance provider that will cover the costs of routine cleaning of your dog’s teeth. Insurance providers will almost certainly not cover general tooth decay or anything else that they believe was preventable had you taken greater care of your dog’s teeth.

Does dog insurance cover dentistry?


Why is the health of my dog’s teeth so important?

Always take care to keep your dog’s teeth healthy, and take them for regular check-ups. One of the most important reasons for this is that your insurance provider may only accept a claim for dental treatment if your dog had a routine dental examination within the previous 12 months. So, if you have dental cover included in your policy and you find that you need to make a claim for dentistry work, but haven’t had your dog’s teeth examined in the last 12 months, your claim could be void – meaning you have to cough up.

Another important consideration is that a dog’s teeth need a lot of looking after as their teeth have to do a lot of work. You can use a knife and fork to cut up food into manageable chunks, but your dog cannot use cutlery and so their teeth are required to a much greater extent.

When you take your dog outside, how often do they start licking the ground? All manner of items could end up going into their mouth and on to their teeth in this way.

Infections that start in your dog’s teeth can quickly spread to other organs such as kidneys and the heart and cause complications.

This all means you need to make sure you brush your dog’s teeth often. Also give your dog dental chews, feed them healthy food and buy rubber toys specifically designed for their teeth.

If your dog develops any of the following, it could indicate dental problems and you need to seek treatment:

  • Bad breath
  • Excessive drooling
  • Discoloured or swollen gums
  • Yellow teeth

Which dog insurance options are available?

Types of dog insurance policy include:

  • Accident only – cover is only available for accidents, and not for illnesses
  • Time limited – cover is only available for a defined period, such as 12 months
  • Maximum benefit – claims can only be made up to a set maximum sum
  • Lifetime – cover is available throughout your dog’s life

If your plan includes dental cover, then this will typically be on the same terms as the rest of the policy, so for example an accident only policy will only cover dental treatment resulting from an accident; if you have a time limited plan then dental cover is only available for that limited period; and if you purchase maximum benefit insurance then the payout for dental treatment will be restricted to that maximum benefit level.

So use our pet insurance comparison service today, compare policy features and see how much you could save on pet insurance for you dog.