The short answer
Accident-only pet plans cover broken or knocked-out teeth. Accident-and-illness plans cover extractions and periodontal disease only if you completed the insurer's annual dental cleaning requirement — miss it and the exclusion kicks in. Routine cleanings need a wellness rider.
Frequently asked
- What's the annual dental cleaning rule?
- Insurers like Nationwide, Trupanion, and Healthy Paws require documented annual cleanings from age 3 for dental illness coverage.
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