Most pet insurance plans don’t cover dental care, but it’s still an important part of your pet’s overall health. Here’s what you need to know about pet dental insurance, including what’s covered and how to find affordable care.
What’s Covered Under Pet Dental Insurance?
Most pet insurance policies will cover at least a portion of the cost of routine dental care for your pet. This can include things like teeth cleaning, x-rays, and extractions. Some policies will also cover more specialized or advanced dental procedures, like root canals or gum surgery. However, it’s important to check with your particular policy to see what is and isn’t covered, as coverage can vary greatly from one policy to the next.
In addition to routine dental care, some policies will also cover the cost of emergency dental care for your pet. This can include things like treatment for a cracked tooth or dental trauma. Again, coverage will vary from policy to policy, so it’s important to check with your insurer to see what is and isn’t covered.
Generally speaking, pet insurance policies will only cover dental care that is considered “medically necessary.” This means that procedures like teeth whitening, braces, and cosmetic dental surgery are typically not covered. However, there may be some exceptions, so it’s always best to check with your insurer to be sure.
What Isn’t Covered Under Dental Pet Coverage?
Preventative dental care, like teeth cleaning, is typically not covered under pet dental insurance. Some policies will cover diagnostic and therapeutic treatments like x-rays, teeth extractions, and oral surgery, but they may come with a deductible or co-pay. Most dental pet insurance policies have an annual maximum benefit, so it’s important to read the fine print and understand the coverage before you enroll.
How to Find Affordable Pet Dental Care
There are a few things you can do to find affordable pet dental care.
First, consider getting dental insurance for your pet. Dental insurance for pets works similarly to human dental insurance, and can help offset the cost of routine and necessary dental care.
Second, look for discounts and specials. Many veterinary clinics offer discounts for new clients, seniors, and military families. Some clinics also offer package deals for routine care, which can include dental cleaning and exams.
Third, consider alternative financing options. CareCredit is a popular option for pet owners and can help you spread the cost of dental care over time.
Finally, don’t forget to shop around. Get multiple quotes from different veterinary clinics before making a decision.
By following these tips, you can find affordable pet dental care that meets your needs and budget.