Dental Insurance for Pets
Owners have to take their pets to the veterinarian when something is wrong with their health. However, veterinarian procedures could have high costs (Davies). Pet insurance can assist owners in managing their expenses “in the event of an insured animal falling ill or being injured in an accident” (Davies). Regarding the pets’ oral health, dental insurance for pets could greatly help people save money at the clinic.
Pets need dental care at home and the clinic, but procedures could be costly. Owners not only need to regularly take care of their pets’ teeth at home, but also take their pets to “a vet for a professional teeth cleaning once a year” (Lees; Healthy Paws 2017). In addition to routine care, pets may also need dental treatments for other reasons. For instance, Healthy Paws, a non-profit foundation and a pet insurance company, states, “Many of the same dental illnesses and conditions humans develop are also developed by pets,” such as “periodontal gum disease” and “cavities” (2017). Pets can also damage their teeth by accident (Lees). Treating dental problems at the veterinarian’s office could be pricey. For instance, x-rays, which “can assess periodontal disease and teeth health,” and anesthesia, which veterinarians give to pets before cleaning their teeth, may cost a lot (“Does Your Pet Need Dental Care?”; Healthy Paws 2017).
Owners should research different pet insurance policies, considering their premiums and their coverage for certain dental treatments. Pet insurance companies determines their monthly premiums based on a variety of factors (“Does Your Pet Need Dental Care?”). Owners may pay higher premiums depending on their pets’ breeds since, for example, “[certain] cat and dog breeds statistically have higher chances of health issues…” (“Does Your Pet Need Dental Insurance”). Owners with older pets may pay more for insurance because these pets “also have a higher risk of developing health issues…” (“Does Your Pet Need Dental Care?”). In addition, the prices of “pet services” in an insured’s location affects these premiums (“Does Your Pet Need Dental Care?”). Regarding policies with dental coverage, most pet insurance companies “only cover dental care associated with accidents” and “others offer coverage for periodontal disease and extractions in addition to fractures and injuries” (“Purchasing Pet Insurance with Dental Coverage”). Though, some pet insurance policies do not cover every dental treatment. Unlike humans’ dental insurance, which usually provides coverage for cleanings, “[pet] dental insurance that comes with most major medical plans, for example, will not cover regular teeth-cleaning” (“Purchasing Pet Insurance with Dental Coverage”). Wellness plans could pay for those cleanings and “will often pay for your pet’s annual dental care, generally without co-payments, deductibles, or waiting periods” (“Purchasing Pet Insurance with Dental Coverage”).
Dental insurance for pets could help owners with their financial needs at the veterinarians’ office. With insurance, owners can afford the necessary dental treatments for their pets.
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