Taking care of your pet’s teeth is just as important as any other type of medical treatment. Pet dental insurance helps you take care of your pet’s teeth and smile, and allows you to afford the treatments they need. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.
Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.
Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.
Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.
Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.
When we think of our pet’s health, we may not often think about their dental health as a priority. However, many serious issues pets can experience throughout their life can stem from dental problems.
Most dental issues pets experience can often go unnoticed for a long period of time. Many times, it is not until the dental issues have progressed significantly that owners recognize the issue and seek treatment. By then, the severity may have progressed to where it requires serious treatment to be able to fix. In the most severe cases, these dental issues can progress to a point where they begin to cause irreversible damage to other parts of their body.
Keeping up with your pet’s dental health requires consistent vet visits, including wellness checks and teeth cleanings to make sure their mouth is healthy. However, regular visits can be expensive, and many owners may not be able to afford dental procedures along with other illness and injury coverage.
Pet dental insurance makes it easier for owners to afford dental treatments to be able to prioritize their pet’s dental health. Taking advantage of these plans give you the ability to care for your pet fully, helping them live a longer and healthier life.
Pet dental insurance coverage depends on the overall pet insurance plan. Many insurance plans offer coverage for illness-only treatments, injury-only treatments, or a combination of the two. Included in these plans are options for dental treatment.
For specifically dental insurance coverage, many plans cover the following:
Depending on whether you have an illness-only, injury-only, or combination plan, you will also be covered for dental issues that come as a result of these unexpected circumstances.
Most pet dental insurance plans do not cover routine or preventive care. This includes teeth cleanings or cosmetic procedures. Additionally, they often do not cover any pre-existing conditions your pet may have. To get coverage for routine or preventive dental care, you will need to take advantage of a wellness plan, which is often offered in addition to your pet insurance coverage.
Insurance premiums are determined based on a number of factors specific to your pet as well as the dental coverage you are getting under your plan. These circumstances include:
Additionally, the specifics of your plan will influence your monthly premium, including the reimbursement percentage included, your yearly deductible amount, and the coverage cap of your overall plan.
You have a lot to consider when deciding on the best dental insurance plan for your pet. Here are some important things to keep in mind as you are searching for the right plan: