It is a type of cover that can be added to pet insurance to pay the cost of:
Fixing damage to teeth caused by an accident
Treating an abscess or broken tooth
Teeth removal or extraction if they cannot be treated
Illness or disease that directly damages your pet's teeth or gums
Most insurers do not pay for routine care, like teeth cleaning. They also do not cover problems which can be prevented by you, like gum disease.
Do you need cover?
Dental treatment for your cat or dog can cost hundreds of pounds, but dental insurance can cover the cost. You need to choose the right type of cover, as this affects what you can claim for:
Accident only: This only covers damage to your pet's teeth caused by accidents. This is usually cheapest but it does not cover abscesses or illnesses.
Time limited: This covers you for a set period of time, usually 12 months. If your pet needs ongoing treatment, you will need to pay for this yourself once the 12 months are up.
Maximum benefit: This covers your pet up to a set limit per condition, e.g. £6,000. Once you have claimed up to this limit, you will not be able to make any more claims for this condition.
Lifetime: This is the most comprehensive level of cover because the set cover limit renews every year. It costs more, but it means that any ongoing problems are covered for your pet's life.
Compare quotes online and check the maximum dental cover limits, so you get the best price for the cover you need.
How to save money
You can save money on your pet insurance by:
Getting multi pet cover: If you have more than one pet, you could save on your pet insurance by taking out multi pet cover. Here is how to insure multiple pets at once.
Paying in full: Insurers charge an interest rate if you pay for your policy in monthly instalments. Pay for your insurance up front with a debit or credit card instead.
Buying online: Most insurers offer discounts if you take out cover direct through their website. Buy your policy online by following the links in this comparison.
Picking a higher excess: A higher voluntary excess can save you money on your premium, but make sure you can afford to pay it if you need to claim.