Dental Cover for Cats
70% of cats over 3 have dental disease — is yours covered?
Add-on from $5/month
Compare ProvidersDental disease is one of the most common health issues in NZ cats, yet it's often excluded from base insurance plans. Dental illness cover pays for treatment of dental disease — not routine scaling, but the extraction and treatment of diseased teeth, which can cost $500–$2,000.
What's Covered
- Dental disease treatment
- Tooth extraction for diseased teeth
- Periodontal disease treatment
- Dental abscesses
- Stomatitis (severe mouth inflammation)
- Oral tumours (on comprehensive plans)
What's Not Covered
- Routine dental scaling/cleaning
- Preventive dental care
- Dental injury from external trauma (covered under accident)
- Pre-existing dental conditions
Providers Offering Dental Cover
Petcover
Canstar Most Satisfied Customers Award 2025 — NZ's top-rated cat insurer
What's Covered
- Up to $14,000 annual benefit limit
- Vet consultation fees included
- Optional: alternative/complementary treatment
- Optional: boarding fees if owner hospitalised
Key Limitations
- Pre-existing conditions excluded
- Dental illness on premium plans only
- Optional extras increase premiums
Southern Cross Pet Insurance
Pet Easy-Claim lets your vet bill Southern Cross directly — no waiting for reimbursement
What's Covered
- PetCare plans with $2,500–$15,000 annual limits
- Pet Easy-Claim: vet bills insurer directly
- Skin conditions, cancer & chronic diseases covered
- Accidental injuries including broken bones
Key Limitations
- $250 annual excess applies
- 20% co-payment on all claims
- Pre-existing conditions not covered
SPCA Pet Insurance
Highest NZ annual limit ($25,000) — every policy supports SPCA animal welfare
What's Covered
- $25,000 annual benefit limit — highest in NZ
- Up to 90% reimbursement on Total Cover tier
- Designed for large, unexpected surgeries
- 10% multi-pet discount
Key Limitations
- Higher premiums on comprehensive plans
- Co-payment on lower-tier plans
- No direct vet billing
FAQs: Dental Cover
Does cat insurance cover dental cleaning?+
No — routine dental cleaning and scaling is considered preventive care and is not covered by any NZ cat insurance policy. However, treatment for dental disease is covered on plans with dental cover.
Which NZ cat insurers include dental cover?+
Southern Cross PetCare Ultimate, Petcover Superior, and SPCA Total Cover all include dental illness cover. PD Insurance Deluxe also covers dental illness.
Get Dental Cover
Compare All Providers
See how all 5 NZ cat insurers stack up — premiums, limits, excess, and coverage — in one place.
Compare All Providers