A variety of dental care is covered by our plans so long as the pet parent has taken the necessary steps to ensure that their pet’s teeth have been routinely examined and cleaned upon recommendations from your vet. If a pet parent has neglected to care for their pet’s dental health and contrary to your veterinarian’s recommendations, then dental coverage may not be covered. Read on for further information on what’s covered and what is not.
How Does Prudent Pet’s Dental Coverage Work?
Both our Accident-Only and Accident+Illness policies may provide coverage for extractions due to injury, such as a broken tooth. Our Accident+Illness policy may also provide coverage for extractions and dental cleanings related to an eligible illness or injury, provided the condition is not considered pre-existing under the terms of the policy.
- Extractions may be covered if, during the course of a routine dental cleaning, the veterinarian determines that extractions are medically necessary. In this situation, the routine dental cleaning itself would not be covered, but the eligible extractions may be covered.
- If a pet is brought in specifically for medically necessary extractions and the veterinarian performs a dental cleaning because it is necessary as part of the treatment or to reduce the risk of infection, both the extractions and the associated dental cleaning may be eligible for coverage.
- If Grade 2-3 or higher dental disease is noted prior to the policy effective date or during an applicable waiting period, it may be considered pre-existing. Related non-routine dental procedures may therefore be ineligible for coverage. A subsequent dental cleaning does not necessarily remove the pre-existing nature of previously documented dental disease. Dental disease is considered a progressive disease.
- Grades 1-2 dental disease may be considered curable following a dental cleaning if the pet subsequently remains free of related symptoms and treatment for at least 12 months. Meeting this timeframe does not automatically guarantee coverage; future eligibility is determined based on the pet’s medical history, the condition being treated, and the applicable policy terms.
The coverage for the procedures under your Accident-Only or Accident+Illness policy will be reimbursed based on your policy selections. Like human health insurance, you must meet your annual deductible before you can get reimbursed. The percentage you receive back is based on the reimbursement percentage you chose when you purchased the policy.
Does Wellness Coverage Help Cover Dental Costs?
We also offer pet dental care coverage in our wellness coverage, which provide coverage for routine dental cleanings. Prudent Pet offers three options for reimbursement under the wellness add-ons with coverage for dental cleanings up to $60.
Are you still deciding if pet insurance is right for your dog or cat? Our FAQs and Pet Insurance 101 should do the trick in helping you get the answers you need to make the best decisions for you and your furry friend.
