Do you cover dental?

June 8, 2026

Yes, we cover dental as long as it's not pre-existing or it hasn't happened within the waiting period.

We do not cover routine treatment or preventative dental healthcare such as descaling, polishing and cleaning of your pet’s teeth, even if recommended by your vet.

We would only cover treatment such as descaling, polishing and cleaning of your pet’s teeth if it was a treatment for an accident or illness.

To qualify for claims:

• The accident or illness can’t be pre-existing. At Napo, we define pre-existing conditions as anything that had any signs, symptoms, treatment, medication or advice in the 24 months before your policy start date.

• The accident or illness can’t have happened within the waiting period. You won't be able to claim for accidents that happen in the first 24 hours or anything else that happens in the first 10 days from your start date.

• In order to claim for dental treatment, your pet has to have had an annual dental check-up in the 12 months prior to the symptoms of the injury or illness being identified.

• The treatment must have taken place within 6 months of the vet's recommendation.

You can see how much dental work you're covered for in your dashboard.

What’s covered

• Dental treatment due to an accident.

• Dental treatment due to an illness such as general dental disease (including tartar removal, root canals and dental extractions).

• Dental treatment due to an illness including tartar removal, general dental disease, root canals and dental extractions.

What isn’t covered

• Any dental treatment that is pre-existing or has happened within the waiting period of your policy start date.

• Any dental treatment your pet receives when your pet hasn’t had an annual check-up in the 12 months before the first symptoms appear.

• Any claims made within, or relating to, the waiting period.

• Any dental treatment not carried out within 6 months of the date your vet first recommended the treatment, unless your vet confirms they couldn’t provide the treatment within those 6 months.

• Any dental treatment not prescribed by a vet.

• Any cosmetic or elective dentistry.

• Descaling, polishing, and cleaning teeth, unless it’s the only treatment for an illness of the teeth or gums.

• Any routine or preventative dental healthcare such as descaling, polishing and cleaning of your pet’s teeth, even if recommended by your vet.

• Any claims relating to crowns.

• Any claims relating to the vet fee’s exclusions.

• Any amount higher than your policy maximum benefit limit.