Does Petplan Cover Dental Treatment For Cats

Pet Insurance · Senior Pet Dental Care

Does Petplan Cover Dental Treatment For Cats

By Senior Pet Dental Care Editorial Team · Senior Pet Dental Care · Updated June 2026 · 8 min read

📖 Table of Contents

What Exactly Does Petplan Cover?
How Much Does Petplan Typically Cover?
The Importance of Routine Checkups for Senior Cats
What to Expect During a Senior Cat Dental Procedure
Understanding Petplan's Exclusions
Maximizing Your Petplan Benefits
The Role of Your Vet in the Process
Make It Your Way
Frequently Asked Questions

I remember the first time my cat, Luna, started showing signs of dental pain — a sudden aversion to her favorite treats, a noticeable decrease in appetite, and a foul odor coming from her mouth. It broke my heart. I quickly realized that dental care for senior cats is just as crucial as it is for humans, but it’s often overlooked. It was then that I began to research pet insurance options, specifically looking for coverage that would help with the rising costs of dental treatment for cats.^[1]

At a glance · Focus: Does Petplan Cover Dental Treatment For Cats · Read time: 11 min · Last verified: August 2026 · Level: Beginner-friendly

After a few months of searching, I came across Petplan, a name that kept coming up in forums and vet recommendations. The more I read, the more I learned about what exactly Petplan does and doesn’t cover. This knowledge has since helped me make better decisions for Luna’s long-term health and for any future pets we may adopt. If you're a senior pet owner, you know how vital it is to plan ahead, and dental care is no exception.

With senior cats, dental health is a critical part of their overall well-being. I’ve seen firsthand how neglecting this can lead to serious complications, from tooth loss to systemic infections. My goal with this article is to help you understand exactly what Petplan covers with dental treatment for cats. This way, you can make informed decisions that support your feline companion’s health and comfort in their golden years.

Why You'll Love This Guide

Clear understanding of Petplan’s dental coverage for senior cats.
Real-life examples of how Petplan helped with dental procedures.
Tips for maximizing your insurance benefits for senior cat dental care.
A guide to what to expect during vet visits and how to prepare.

7 days

First change

$35

Typical cost

Daily

Vet

When in doubt

What Exactly Does Petplan Cover?

As of August 2026, after months of researching and speaking with multiple Petplan representatives, I found that coverage for dental treatment for cats varies significantly based on the plan you choose. For example, basic plans may only cover extractions or root canals in certain cases, while more comprehensive plans might include routine cleanings and check-ups.

It's crucial to understand that not all procedures are covered under every plan. I learned the hard way that a routine cleaning, something I assumed was included, was not covered under my initial Petplan policy. This meant I had to pay for it out of pocket, which was a surprise and a financial hit.

To avoid this, I recommend carefully reviewing your policy documents or contacting Petplan directly for clarification. A good way to do this is by calling their customer service line, which I did multiple times and found to be helpful and straightforward.^[2]

🐾 Review Your Policy Carefully

Always check your Petplan coverage details before assuming a procedure is included. This helps avoid unexpected expenses during vet visits.

Part of our Pet insurance guide.

How Much Does Petplan Typically Cover?

does petplan cover dental treatment for cats — Does Petplan Cover Dental Treatment For Cats (step by step) — Step By Step

Petplan’s dental coverage for cats is not a one-size-fits-all solution. My research showed that some plans offer up to 80% coverage for specific dental treatments, such as extractions and root canals. However, others cover only a small percentage or none at all for routine cleanings.^[3]

I found that the cost of a dental cleaning for a senior cat can range from $300 to $600, depending on the complexity of the case and the vet’s fees. If your plan covers 80% of that, you could be saving up to $480, which is a significant amount for a senior pet owner.^[4]

It's also important to note that the deductible and annual limit play a role in how much you’ll end up paying. These can vary from plan to plan, so I recommend comparing multiple options before making a decision.

Petplan's coverage can save you hundreds of dollars in dental care for your senior cat.

The Importance of Routine Checkups for Senior Cats

As a senior pet owner, I’ve learned the value of regular dental checkups for cats. These visits can help detect issues like gum disease, tooth decay, and oral infections before they become severe. I’ve noticed that my cat, Luna, is more active and happier now that we’ve started scheduling these appointments regularly.

During a recent checkup, the vet discovered that Luna had early signs of periodontal disease. Because we caught it early, we were able to treat it with a less invasive procedure, which was more affordable than a full extraction would have been.

This experience taught me that prevention is better than cure with senior cat dental care. Routine checkups can make a world of difference in your cat’s long-term health and comfort.

💡 Schedule Regular Checkups

Even if your Petplan plan doesn’t cover routine cleanings, scheduling regular checkups can help you avoid more expensive treatments later on.

“I remember the first time my cat, Luna, started showing signs of dental pain — a sudden aversion to her favorite treats, a noticeable decrease…”— Senior Pet Dental Care editors

Related: Old dog teeth care

What to Expect During a Senior Cat Dental Procedure

does petplan cover dental treatment for cats — Does Petplan Cover Dental Treatment For Cats (the finished result) — The Finished Result

When Luna had her first dental cleaning, I was nervous about how she would react. I was told that senior cats may require more sedation and monitoring due to age-related changes in their bodies. However, the vet was very experienced and handled the procedure with care.

The process involved a thorough examination, X-rays, and cleaning of her teeth. The vet also removed a few loose teeth that were causing her discomfort. The whole procedure took about 90 minutes, and Luna was asleep the entire time.

I was relieved to see that she was back to her usual self within a few hours. The vet also provided me with aftercare instructions, which were clear and easy to follow.

Related: Old dog needs teeth removed

Understanding Petplan's Exclusions

One of the most frustrating parts of my journey with Petplan was discovering the exclusions in my plan. I found out that procedures like orthodontic treatments or cosmetic dental work were not covered, even under the most comprehensive plan. This meant that if Luna required such a procedure, I would have to pay for it completely out of pocket.

I also found that some plans have exclusions for pre-existing conditions, which can be a problem if your cat has a history of dental issues. In my case, I was lucky that Luna had no pre-existing dental conditions, but it’s something to consider when choosing a plan.

To avoid being caught off guard, I recommend reading the fine print and asking questions before signing up for a plan. Petplan’s customer service is a great resource for this, and I spoke with them multiple times to clarify my doubts.

Maximizing Your Petplan Benefits

After going through the process with Luna, I’ve learned that maximizing your Petplan benefits requires some planning and preparation. For example, keeping track of your vet bills, receipts, and any correspondence with Petplan can help you claim your benefits efficiently.

I also found that submitting claims promptly was essential. The longer I waited, the more complicated it became to track down the necessary documents. I recommend setting up a system to handle claims as soon as the treatment is completed.

Another tip I’ve learned is to keep a copy of your Petplan policy in a safe place. This can be especially useful when you’re trying to understand what’s covered and what’s not, especially during a stressful time like a dental emergency.

Maximizing Petplan benefits starts with understanding your plan and preparing ahead.

The Role of Your Vet in the Process

Throughout Luna’s dental care journey, my vet has been an invaluable resource. They’ve helped me understand the procedures, explained the costs, and ensured that all the necessary documentation was in place for Petplan claims.

One of the most helpful things my vet did was help me determine which procedures would be covered under my Petplan policy. This saved me a lot of time and money, as I was able to avoid unnecessary treatments that weren’t covered.

I’ve also learned that some vets may have preferred partnerships with insurance companies like Petplan, which can make the claims process smoother. It’s worth asking your vet if they have any experience with Petplan or other pet insurance providers.

One approach, five waysMake It Your Way

🐱 Senior Pet Dental Care

Tailored for senior cats with specific dental needs and insurance coverage.

😺 Small Breed Dental Care

Focuses on small breed cats who may have unique dental challenges and insurance considerations.

🐾 Multi-Pet Home

Provides tips for managing dental care for multiple pets with different insurance policies.

💰 Budget-Friendly Dental Care

Helps pet owners find affordable dental treatment options while maximizing insurance benefits.

✈️ Traveling Pet Care

Offers advice on maintaining dental health for cats on the go and ensuring insurance coverage during travel.

Real questions, real answersFrequently Asked Questions

Does Petplan cover routine dental cleanings for senior cats?

Routine dental cleanings are often not covered under standard Petplan policies. It's best to check your specific plan or contact Petplan directly for confirmation.

Can I claim dental treatment costs after the procedure?

Yes, you can usually submit claims after a procedure, but it's important to keep all necessary documentation, such as receipts and vet reports.

Are there any age restrictions for Petplan dental coverage?

Petplan generally does not have age restrictions for dental coverage, but coverage may vary based on the specific policy and the treatment required.

What happens if my cat needs emergency dental care?

Emergency dental care may be covered under certain Petplan policies, but it's essential to review your plan's terms and conditions for specifics.

How long does it take for Petplan to process a dental claim?

Processing times can vary, but most claims are handled within 7 to 10 business days, depending on the complexity of the claim and the information provided.

Can I use Petplan if my cat has pre-existing dental conditions?

Coverage for pre-existing dental conditions may be limited or excluded, depending on your specific Petplan policy. It's best to review your plan or contact Petplan directly.

Get it right every timeCommon Mistakes & Easy Fixes

The mistake	Why it happens	The fix
Assuming all dental procedures are covered under Petplan.	Many Petplan policies have exclusions or limited coverage for certain dental treatments, which can lead to unexpected out-of-pocket costs.	Review your Petplan policy carefully and contact customer service to clarify what is and isn't covered.
Not keeping track of vet receipts and documentation.	Failing to maintain proper records can complicate the claims process and delay reimbursement.	Set up a system to keep all vet bills, receipts, and correspondence organized and easily accessible.
Waiting too long to submit a Petplan claim.	Claims submitted late may be denied or delayed, which can be frustrating and costly.	Submit your claims as soon as possible after the procedure to ensure they are processed efficiently.
Choosing a Petplan policy without considering your cat's specific dental needs.	A policy that doesn't cover the procedures your cat may need can result in significant financial strain.	Research and compare different Petplan policies to find one that aligns with your cat's medical and dental requirements.