What makes Bought By Many dental cover different?

Everything about our dental cover is designed to be better for owners.

Does pet insurance cover dental treatment?

Not all pet insurance providers or policies cover full dental treatment for dogs and cats, but all of our policies have some cover for dental treatment.

Our Complete policy will cover your pet for £15,000 as part of your vet fee limit, with dental accident and illness cover included as standard.

All our other policies will pay for treatment your pet needs if they injure their teeth or mouth in an accident.

Dental cover on our policies

Choose award-winning policies for your pet’s dental cover.

What dental treatment isn’t covered by pet insurance?

Pet insurance is designed to cover unexpected injuries or illnesses so even a policy with a high level of dental cover like our Complete policy won’t pay for:

  • The cost of regular dental check-ups
  • Preventative treatment like a routine scale and polish
  • Treatment that’s needed as a result of your pet not having annual dental check up

Routine dental care and check-ups for your cat and dog can seem expensive, but think of it like you would your pet’s trips to the groomer, or flea and worm treatment - they’re another important ongoing cost to keep your pet happy and healthy.

If you budget for it in the same way you would your pet’s other expenses, it’ll seem easier to manage.

Do other providers include dental cover?

Other insurance providers don’t always cover dental treatment and when they do many policies only cover accidents and not dental illnesses.

Always read the small print to understand if the policy has:

  • Accident-only cover that doesn’t include dental illness
  • A lower limit for dental treatment claims than claims for other conditions
  • No cover for pre-existing dental conditions - the policy might not mention dental conditions specifically but many don't cover pre-existing issues. All our policies cover conditions that ended at least two years ago
  • Time-limited policies that only treat dental conditions for 12 months

That’s where we’re different. All Bought by Many policies include dental cover for accidents and you get cover for dental illness with our Complete policy.

All our policies offer annual cover with a vet fee limit that refreshes each year you renew – which means we can keep covering a dental problem that last longer than 12 months or crops up again in the future.

And your pet’s previous dental problems can also be covered, as long as long as your vet hasn’t given any treatment, medication or advice for them in the past two years.

Which pet insurance companies cover dental illness?

Petplan, LV, Tesco Pet insurance, Co-op Pet insurance and More Than all have pet insurance policies that cover dental illness, as well as accidents.

But we believe our Complete policy has more dental cover than any other, with a £15,000 vet fee limit that includes dental illness that refreshes annually and FirstVet 24/7 video consultations.

Just look at how it stacks up for dental cover compared with other providers’ top-level policies in October 2021:

Bought by Many - Complete policy

Annual dental claim limit £15,000

Annual claim limit for all claims £15,000

Free 24/7 video vet advice FirstVet – video consultations with a vet

Pet Plan - Ultimate policy

Annual dental claim limit £12,000

Annual claim limit for all claims £12,000

Free 24/7 video vet advice No

LV - Lifetime policy

Annual dental claim limit £10,000

Annual claim limit for all claims £10,000

Free 24/7 video vet advice FirstVet – video consultations with a vet

Tesco Pet Insurance - Premier policy

Annual dental claim limit £10,000

Annual claim limit for all claims £10,000

Free 24/7 video vet advice Vetfone – veterinary nurse advice by phone

Co-Op Pet Insurance - Select Plus policy

Annual dental claim limit £5,000

Annual claim limit for all claims £5,000

Free 24/7 video vet advice No

More Than - Premier policy

Annual dental claim limit £2,000

Annual claim limit for all claims £12,000

Free 24/7 video vet advice Vetfone – veterinary nurse advice by phone

How much does pet dental treatment cost?

The three most common dental claims for dogs and cats are:

  1. Tooth disorder
  2. Tooth injury
  3. Gingivitis (gum disease)

In just one year, between 1 November 2020 and 31 October 2021, we paid out over £1m for claims for these three conditions - an average of over £470 for each claim.

If your dog or cat needs repeated treatment, those costs can soon mount up, making it well worth considering pet insurance that includes dental cover for both accidents and illness.

But no pet insurance will cover the cost of routine, preventative measures or an annual dental check-up with your vet, so make sure you budget for those.

  • Top tip: See if you can save an extra trip to the vets by combining your dog or cat’s annual dental check with their vaccination appointment.

Dogs and cats usually need to be anaesthetised for a scale and polish, which means it can cost a few hundred pounds, depending on your vet. That won’t be covered by insurance either, so allow for those costs, just as you would for your vaccinations or flea and worm treatments.

Frequently asked questions about dental cover

Everything else you need to know about your cat or dog's teeth and pet insurance.

What dental work can I claim for on pet insurance?

You can’t claim for regular preventative treatment like a scale and polish, but you can claim for any other dental treatment you’re covered for under your policy.

Your policy documents will say whether dental treatment’s covered and if it’s for accidents only or for accidents and illnesses.

Does pet insurance cover tooth removal?

If your pet insurance only covers dental treatment for accidents, having your dog or cat’s teeth removed will only be covered if the treatment’s needed because of an accident.

For example, if your cat broke a tooth in a fall from the roof and it needed to be removed as a result.

If you’re covered for accident and illness, dog and cat tooth removals should be covered as any other illness in your policy would be, as long as you’ve kept up with regular preventative care and veterinary dental appointments.

Sometimes your pet's deciduous teeth (baby teeth) don't naturally fall out as they should and your vet might recommend that they're removed as a preventative measure against plaque build-up and other problems.

But having them removed won’t be covered by your pet insurance unless they’ve caused an illness.

Why might my claim for dental treatment be refused?

Your dental pet insurance claim could be refused if you haven’t kept up with any regular appointments and preventative care specified in your policy documents.

We ask that your cat or dog has a dental check with the vet at least once a year as a condition of providing our dental cover.

How do I keep my dog’s teeth healthy?

You can look after your dog’s teeth by brushing them at home. Read our guide to brushing your dog’s teeth, as well as lots of other ways to look after their dental health.

Why should I look after my pet’s teeth?

It’s not just important to look after your dog’s teeth to avoid expensive vet trips and pet insurance claims, it'll also help your pet stay healthy and happy. Gum disease can cause bacteria to spread through your pet’s bloodstream, causing problems with organs like their kidneys.

Read dental health guides written by our pet and vet experts

Everything you need to know to maintain that Cheshire cat grin and avoid dog breath.