ManyPets accident and illness coverage for healthy gums and chompers
When the tooth hurts, save on unexpected dental conditions with no annual payout limits. Coverage includes:)
ManyPets dog insurance and cat insurance policies do indeed include coverage** for unexpected dental conditions, as long as the required treatment is related to an injury (like a cracked tooth caused by an accident) or an illness (like periodontal disease).
And while the ManyPets insurance policy won’t reimburse for preventative dental care, the non-insurance ManyPets Wellness Plan is designed to do just that.
(FYI, “dog dental insurance” and “cat dental insurance” are not add-ons; rather, coverage for unexpected dental conditions is just a component of the standard ManyPets insurance policy.)
Here's what ManyPets covers when it comes to dental:
| Policy Details | Cat Insurance | Dog Insurance | Wellness Plan (Optional) |
|---|---|---|---|
| Dental illnesses | ✔️ | ✔️ | Covered by insurance |
| Dental accidents and injuries | ✔️ | ✔️ | Covered by insurance |
| Preventative dental care | ✔️ | ||
| Annual reimbursement limit for dental care | None | None | $150 |
| Pre-existing conditions rules | Covers conditions that were cured 18 months ago | Covers conditions that were cured 18 months ago | No exclusions! |
Pet insurance covers unexpected illnesses and injuries, but it won’t cover the routine and expected costs of managing your pet’s dental health, including:
Preventative dental supplies (brushes, chews, etc.)
Routine dental exams
Treatment resulting from insufficient routine care (e.g., having skipped an annual dental check-up or routine vaccinations)
(Just keep in mind that other standard exclusions, like those for pre-existing conditions, also apply.)
Fortunately, dental exams are generally part of any routine annual checkup. And speaking of routine care, ManyPets’ (non-insurance) Wellness Plan can reimburse you for cleanings, dental supplies, and routine exams.
All ManyPets policies include coverage for any approved claims related to dental injuries or accidents. Most other insurance companies also include coverage for dental injuries. But unlike ManyPets, some companies will never cover dental illnesses.
Plus, ManyPets’ terms for pre-existing conditions may still allow coverage for a past dental condition if your pet has been free of symptoms, treatment, or diagnosis for 18 months. Some other companies permanently exclude all past conditions from coverage.
One other thing to keep in mind: Unlike ManyPets, some companies exclude coverage for hereditary conditions that are common to specific breeds, which may include dental illnesses.
So before you settle on an insurance company, read their policy and make sure you’re satisfied with their dental coverage!
Looking for pet insurance that covers dental conditions? Some companies offer more coverage than others.
| Accident & illness policy (insurance) | ManyPets | Nationwide | PetsBest | Fetch | HealthyPaws | Trupanion |
|---|---|---|---|---|---|---|
| Dental illness | ✔️ | ✔️ | ✔️ | ✔️ | ||
| Hereditary conditions | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | |
| Wellness Plan (optional) | ManyPets | Nationwide | PetsBest | Fetch | HealthyPaws | Trupanion |
|---|---|---|---|---|---|---|
| Up to $150 for dental cleanings | ✔️ | Not included | ✔️ | No Wellness available | No Wellness available | No Wellness available |
Comparisons are based on quotes manually taken from each competitor's website in 2022. These are subject to change at any time.
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ManyPets offers insurance* for dogs and cats of all ages, including puppies and kittens, adult dogs and cats, and older dogs and cats. Get information on options for the whole furry family.
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Everything else you may want to know about ManyPets dental coverage
No, pet dental insurance is not a separate policy that you’ll need to add on to your main policy. Your ManyPets insurance policy simply includes coverage for dental injuries and illnesses, just like any other type of health condition.
Your Accident & Illness insurance policy may cover treatments for dental injuries or dental illnesses.
This means surgeries, medications, hospitalizations, or other treatment related to an illness or disease that affects the teeth or gums, or related to an accident that causes dental injuries.
Standard exclusions, including those related to pre-existing conditions or to your waiting period, do apply.
It depends on the situation. If your vet needs to remove a tooth after diagnosing a medical condition (for instance, an infection, mass, or injury), then a tooth removal may be covered so long as no other exclusions apply. But a tooth removal that occurs during a routine dental cleaning will not be covered under insurance — though dental cleanings may be covered under an optional (non-insurance) ManyPets Wellness Plan!
No, ManyPets insurance will not reimburse you for routine teeth cleanings. But the optional (non-insurance) ManyPets Wellness Plan is indeed designed to reimburse you for dental cleanings and other types of preventative care.
ManyPets insurance is designed to cover accidents and illnesses, which means that any preventative treatments (like routine dental cleanings and exams) are only eligible for reimbursement under the optional (non-insurance) ManyPets Wellness Plan. And other standard exclusions, like those related to pre-existing conditions and waiting periods, apply to dental coverage as well.
Also, do be aware that ManyPets can’t cover conditions if they arise due to insufficient routine care. You’ll need to keep your pet up-to-date on their annual health and dental check-ups, as well as routine vaccinations, or your claim may be denied. For a full list of exclusions, read our example policy.
You may be surprised by how much a veterinary dental treatment can cost, especially if it involves surgery. ManyPets has received numerous dental claims that have run well over $1,000. Also, keep in mind that your insurance policy is designed to reimburse you for many types of accidents and illnesses, not just dental conditions!
There are numerous types of pet dental conditions, including tooth disorders or injuries, oral masses or lesions, periodontal or gum diseases, and much more. Such conditions may be covered under your insurance policy. Then there are preventable dental issues, like bad breath, that may be addressed through routine dental cleanings or the use of at-home dental products like brushes and chews. The optional (non-insurance) ManyPets Wellness Plan is designed to reimburse you for such preventative treatments.
The best way to keep your pet’s teeth healthy is to stay on top of their preventative dental care before they ever experience a dental health condition. This includes regular brushing at home and professional teeth cleanings when necessary. The optional (non-insurance) ManyPets Wellness Plan is designed to reimburse you for preventative treatments including teeth cleanings, over-the-counter dental supplies, and routine dental exams.
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*The ManyPets Wellness Plan is not pet insurance but rather a separate reimbursement-based program promoting the general health, safety, and wellbeing of your pet. The plan can be purchased in addition to your insurance policy but is optional.
**ManyPets analyzes every claim on its own merits, subject to the terms and conditions of your policy. Exclusions apply, including those for pre-existing conditions. Only claims unrelated to an excluded treatment or condition are eligible for coverage.
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