Dental problems are among the most common health issues in pets, with an estimated 80% of dogs and 70% of cats showing signs of dental disease by age three. Yet dental cover is one of the most inconsistent areas of pet insurance. Understanding what is and is not covered can prevent an unpleasant surprise when you need to claim.
What Dental Treatment Is Typically Covered?
Most pet insurance policies cover dental treatment that results from an accident — for example, a broken tooth caused by a collision or fall. This is classed as accidental dental injury and is included in the majority of policies as standard.
Where policies differ significantly is in their cover for dental illness — conditions like gum disease (periodontal disease), tooth decay, tooth root abscesses, and stomatitis. Many budget and mid-range policies exclude dental illness entirely. Premium policies may cover it, but often with specific conditions such as a requirement that your pet has had a dental check-up within the last 12 months, proof that regular dental care (brushing, dental chews) has been maintained, and a separate sub-limit for dental claims that is lower than the main vet fee limit.
What Is Usually Excluded?
Routine dental cleaning (scale and polish) is almost universally excluded, as insurers classify this as preventive care rather than treatment. Cosmetic dental work is excluded. Dental treatment for pre-existing conditions is excluded. Some policies also exclude dental treatment entirely for the first 12-24 months of the policy, even if the condition was not pre-existing.
How Much Does Pet Dental Treatment Cost?
Dental treatment can be surprisingly expensive. A simple tooth extraction under general anaesthetic typically costs £300-600. A full dental clean, assessment, and multiple extractions can reach £800-1,500. Specialist dental surgery (such as root canal treatment for a fractured canine tooth) can cost £1,000-2,500. For cats with chronic stomatitis, full-mouth extraction — sometimes the only effective treatment — can cost £1,500-3,000.
Which Providers Offer the Best Dental Cover?
Providers vary significantly in their dental cover. When comparing policies, look for those that explicitly include dental illness (not just dental injury). Check whether there is a separate dental sub-limit or whether dental claims count towards your main vet fee limit. Ask about any dental care requirements you must meet to keep the cover valid. Read the policy wording for any waiting periods specific to dental claims.
How to Protect Your Pet's Teeth
Prevention is always cheaper than treatment. Regular tooth brushing (daily is ideal), dental chews approved by the Veterinary Oral Health Council, annual dental check-ups with your vet, and a diet appropriate for dental health can all reduce the likelihood of expensive dental problems. Some insurers may also offer lower premiums or better dental cover if you can demonstrate a regular dental care routine.
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