In order to claim for dental treatment, you have three months from the date of the recommendation.
We know that's a real deadline and life gets in the way, so it's worth booking as soon as your vet raises it. If treatment is delayed by more than 3 months, we won't be able to cover that claim.
If you're struggling to get an appointment inside the window, talk to your Customer Champion before the three months are up rather than after.
We won't be able to pay a dental claim until a vet has checked their teeth and recorded it.
If it's been longer than a year, book a check-up now. It doesn't retrospectively cover a problem that's already there, but it may help for anything that comes up afterwards.
Only when a vet recommends it to treat an illness of the teeth or gums.
If it's recommended as routine or preventative care (keeping healthy teeth healthy), that's not something we cover. It's the same principle as the rest of the policy: we cover treatment, not maintenance.
Four things:
• Anything relating to a pre-existing dental condition
• Crowns, for any reason
• Elective or cosmetic dental work
• Removing baby teeth, unless your vet confirms they're causing a medical problem
Routine and preventative care isn't covered either, including a scale and polish that isn't treating an illness.
Any dental problem your pet had signs or symptoms of before your policy started, or in the first 14 days of your policy aka your warm-up period.
If a dental symptom shows up in your warm-up period, your vet will need to confirm whether it's connected to something that was already there. Bad breath, a chipped tooth or sore gums noticed before you joined would usually count as does any new dental conditions where dental history has not been noted on your pet's history in the past.
No, it sits inside it!
So if you've chosen a £5,000 annual limit, up to £1,000 of that can go towards dental treatment. Both reset when your policy renews.
Extractions are covered when they're treating an accident or illness, up to the £1,000 dental limit, as long as the check-up and 3-month conditions have been met and it isn't a pre-existing problem.
Extractions are one of the most common dental claims we see, and one of the more expensive procedures, so it's worth knowing where you stand before you need it.
Generally not. If it's cleaning rather than treating a diagnosed illness of the teeth or gums, it falls under routine and preventative care, which we don't cover.
If you're not sure whether a specific procedure qualifies, ask your Customer Champion before you book.
It does. All your limits reset at renewal, including the £1,000 for dental.
The annual check-up requirement carries on across renewals though; it isn't a one-off at sign-up.
At Waggel, you always have the right to dispute your claim outcome. Talk to your Customer Champion first. A lot of dental queries come down to what's in the clinical records, and that's often resolvable.
If you're still unhappy, you can make a formal complaint, and if you're not satisfied with our final response, you can take it to the Financial Ombudsman Service. It's free and independent. Full details are in your policy wording.