Advice for cat insurance including possible tooth extraction

nicolanicola

I just got a maine coon a month ago. I took him to the vet because he had trouble eating. The vet said he had gingivitis and it's a common thing with maine coons. He said as well that sometimes teeth need to be extracted because they can't fight the disease and for some reason removing the back teeth clears it up.

So anyway I went home and looked at getting him insured but all the insurers I looked at don't cover dental treatment. I'm unsure though if tooth extraction due to an illness qualifies as dental treatment.

Any ideas, or can anyone recommend a company that would cover any tooth extraction?

Fridaycat

I do have pet insurance for my two Bengals with PetPlan, but I'm in no way an expert on these things... but I do think you face another problem even if dental treatments were covered: your MC now has a pre-existing condition which, regardless of it being dental or not, you will find it v difficult to get cover for anyway Sorry...

nicolanicola

Fridaycat wrote: »

I do have pet insurance for my two Bengals with PetPlan, but I'm in no way an expert on these things... but I do think you face another problem even if dental treatments were covered: your MC now has a pre-existing condition which, regardless of it being dental or not, you will find it v difficult to get cover for anyway Sorry...

I know, but I checked with the vets and they haven't put it down in his notes so his visit was just classed as a consultation and worming treatment

h007

my two cats have not long had dental scale and polish due to gingivitis. £200 each!!!!

one is with petplan and they will pay out for a scale and polish if it is for medical reasons. and would of paid for extractions too no problems.


the other is with marks and spencers and she had to have 2 teeth out as well as the scale and polish. they do not pay for the scale and polish part and subtract that from the total cost so they only paid out about £40.

the only reason she was with marks and spencers is because they particularly say they pay for dental work so i was pretty annoyed when i was left out of pocket.

hope this helps!!!

nicolanicola

h007 wrote: »

my two cats have not long had dental scale and polish due to gingivitis. £200 each!!!!

one is with petplan and they will pay out for a scale and polish if it is for medical reasons. and would of paid for extractions too no problems.


the other is with marks and spencers and she had to have 2 teeth out as well as the scale and polish. they do not pay for the scale and polish part and subtract that from the total cost so they only paid out about £40.

the only reason she was with marks and spencers is because they particularly say they pay for dental work so i was pretty annoyed when i was left out of pocket.

hope this helps!!!

Thats a great help, thank you so much. I'm going to go with PetPlan then.

bethie

petplan also paid when my cat had his teeth extracted. : )

sophief333

I have the same problem with my kitty, unfortunately he is already insured with direct line and they don't cover dental work I think I'm going to have to fork out for it myself.

bouncydog1

Just remember though that you are unlikely to be able to claim straight away and your poor cat is going to have to wait to get his problem sorted until you have passed the wait period to submit a claim.

The insurers are also likely to be suspicious that there was no mention of gingivitis during the check up, particularly if it is bad enough to require extraction.

All sounds fishy!

Fridaycat

bouncyd!!! wrote: »

Just remember though that you are unlikely to be able to claim straight away and your poor cat is going to have to wait to get his problem sorted until you have passed the wait period to submit a claim.

The insurers are also likely to be suspicious that there was no mention of gingivitis during the check up, particularly if it is bad enough to require extraction.

All sounds fishy!

I agree, and even if the OP does decide to do nothing for the 14 day exclusion period, the fact that a claim will then be put in pretty soon after it finishes (presumably) makes the fishiness even more fishy! They're not stupid these insurance people

KVet

The insurance company will ask to see your vets records when you claim and/or join the, to check for any pre existing conditions. If your vet has mentioned gingivitis etc in the notes, it will be excluded outright. Hence always insure before going to your vets, even with puppies. I've picked up so so many bad heart murmurs at first puppy vac and have legally had to write it down in the notes.