The things I remember about Palo Alto while growing up:
Pet Dental Insurance: Coverage And Cost Guide (2023)
Compare Pet Dental Insurance Companies Many pet insurance providers offer dental coverage that ranges from cleanings to tooth extractions to dental and gum illnesses. Use the table below to compare monthly costs, dental coverages and more. Who Are The Top Pet Insurance Companies That Cover Dental Work? We reviewed the following pet insurance providers to see how their coverage offerings compare for dental accidents, illnesses and preventive treatments. What Does Pet Dental Insurance Cover? Pet dental insurance coverage can be divided into two categories: dental accidents and dental illnesses. Dental accidents are usually covered like any other injury under an accident-only or accident-and-illness policy. As long as the damage came from an accident and was not pre-existing, such as Fido chewing on a rock instead of his rawhide, the resulting care will be covered by most companies. Dental illnesses get treated a bit differently. Because they're so common — 80% of dogs and 70% of cats develop periodontal illness by age 2 — providers typically offer only limited coverage and often impose special conditions on included care. You may encounter stricter sub-limits on annual payouts, age caps for eligibility or coverage for only some teeth in your furry friend's mouth. Each policy can differ significantly. Dental pet insurance usually covers procedures, such as: Broken, chipped or fractured teeth Crowns Gingivitis and periodontitis Root canals Stomatitis Tooth extractions What Is Not Typically Covered with Pet Dental Insurance? Pet insurers never cover pre-existing conditions and may put eligibility requirements on covered dental procedures. Dental pet insurance plans don't usually take care of the following conditions, which providers consider exclusions: Cosmetic dentistry Fillings Implants Pet orthodontics Routine dental cleanings Tools or supplies for at-home or routine dental care How Much Does Pet Dental Insurance Cost? Pet dental insurance is sold as part of providers' broader accident-only and accident-and-illness pet insurance plans. Accident-illness plans cost an average of $19.93 a month for dogs and $10.85 for cats, according to the North American Pet Health Insurance Association's (NAPHIA) 2022 State of the Industry Report. NAPHIA also publishes average monthly pricing for accident-and-illness plans, which are $48.66 for dogs and $28.57 for cats. How to Find Cheap Pet Dental Insurance Here are five tips for how to find cheap dental insurance for your pet. Sign your pet up early. Because some dental diseases develop in most dogs and cats by age three, it's imperative to enroll your pet in an insurance policy as early as possible. If your animal shows signs of periodontitis or other dental diseases prior to coverage or during the waiting period, it is considered a pre-existing condition and won't be covered. Consider preventative care. Not all dental care is included under a pet insurance policy. Important preventative care, like annual dental cleanings, is usually offered in a separate wellness plan or as an add-on to a pet insurance policy. Opting for this coverage can smooth out the out-of-pocket expenses of preventative dental care while reducing your pet's risk of developing more painful (and more costly) issues. Practice at-home dental care. You can do your part to prevent dental illness by caring for your pet's teeth at home. Regularly brushing your pet's teeth can help to prevent periodontal disease by removing plaque and tartar. According to PetMD, you should brush your dog's or cat's teeth two to three times a week. It's inexpensive to purchase toothbrushes and toothpaste specialized for pets, and other supplies, such as specialized chews and treats, to help preserve your pet's dental hygiene. Is Pet Dental Insurance Worth It? Most pets require dental care at some point. Without it, your pet can experience many dental infections, plaque buildup, periodontal disease, gingivitis and other painful issues that make it difficult to eat or exist without pain. Because many dental treatments require anesthesia, addressing dental problems can get expensive. The right dental pet insurance plan and deductible can significantly reduce the amount you pay out of pocket for dental care and treatment. Besides the financial benefit, having pet dental insurance ensures your pet gets the care it deserves and stays healthier longer. Does Pet Dental Insurance Have Any Waiting Periods? Although most pet dental insurance policies kick in the day after enrollment, there are waiting periods to file a claim for certain conditions. How long the waiting period is varies by provider. Some waiting periods last only a couple of days, while others require several months. The length of time also can vary by condition. Here's how the providers in this article compare: Is Dental Work Covered as a Preexisting Condition? Most pet insurance providers that cover dental won't cover any pre-existing conditions. However, some providers on this list will make exceptions for conditions deemed curable or that haven't presented symptoms within a specific period — usually 12 months. Here's how each provider on this list handles pre-existing conditions. Lemonade: Excludes coverage for all illnesses and injuries that occur before waiting periods are up. Spot: Excludes coverage for illnesses and injuries that occur before wait periods are up unless the condition has been cured and without treatment or symptoms for 180 days. Trupanion: Excludes coverage for illnesses and injuries shown within 18 months before the policy start date. Fetch Pet Insurance: Excludes coverage for illnesses and injuries that occur before wait periods are up. Embrace: Excludes coverage for illnesses and injuries that occur before wait periods are up unless the condition has been symptom-free for 12 months. Healthy Paws: Excludes coverage for all illnesses and injuries that occur before wait periods are up. Figo: Excludes coverage for all illnesses and injuries that occur before wait periods are up. Read more: Best pet insurance for pre-existing conditions Is Pet Dental Insurance Worth It? Your dog or cat will likely need some dental care in its lifetime. It's a good idea to have a pet dental insurance policy to offset the costs of treatments and anesthesia when required. If your pet is already showing signs of dental issues, these likely won't be covered by a new policy. However, most providers will cover any future dental needs entirely or partly.Shih Tzu Puppy Receives VetStem Cell Therapy
Ten-month old Oliver was treated for arthritis in his elbows with the treatment in conjunction with surgery
After noticing Oliver, a 10-month-old Shih Tzu, was limping, his family decided that it was time to take him to his veterinarian, Kimberly Carlson, DVM, DACVS, from Lenity Vet Specialists and Emergency Care in San Mateo, California. Carlson determined Oliver was suffering from elbow dysplasia and arthritis in both is front legs and recommended surgical repair in conjunction with VetStem Cell Therapy.
According to an organizational release,1 Carslon has been providing VetStem Cell Therapy to patients since 2007 and has treated nearly 300 patients with stem cells. In Oliver's case, stem cell therapy can reduce pain and lameness and delay the progression and reduce the severity of his arthritis.
Oliver, a Shih Tzu from California (Image courtesy of VetStem)
Once in surgery, Carlson collected fat tissue from his abdomen that was then aseptically packaged and sent to the VetStem laboratory in Poway, California. The technicians at the laboratory then processed the fat in order to extract and concentrate the stem and regenerative cells within. Those cells were divided into doses and 3 injectable doses were sent back to Carlson to use for Oliver's treatment.
Forty-eight hours after the first fat collection procedure, one dose was administered to Oliver into each elbow and one intravenous dose. Besides the 3 doses shipped to Carlson, multiple doses were also put into cryopreservation. This can help Oliver in the future if he needs more treatment because he will never have arthritis-free elbows. They will remain available to Oliver for the rest of his life.
In a study published in Veterinary Therapeutics, 4 companion animal regional referral veterinary practices in the United States recruited 14 outpatients' dogs suffering from chronic osteoarthritis (OA). Each of the selected dogs had a history of fragmented coronoid process with surgical removal and/or osteochondritis dissecans.2
The investigators consisted of multiple diplomates from the American College of Veterinary Surgeons, one diplomate from the American Association of Pain Management, and 1 veterinarian certified in acupuncture. At the completion of the study,2 it was discovered that stem cells can reduce pain and lameness in canines suffering from chronic osteoarthritis in the elbow for an extended period of time.
Oliver's owners shared that he had a good response to the treatment plan. "Now at nearly 1 and one-half years old, all his pain is gone, and he runs, fetches and plays with all-size dog friends. He is so happy and gets to enjoy his young dog life now pain-free! We are so glad we went with the doctor's recommendation. To see Oliver go from a slow, painful gait, to a vibrant energetic puppy is a wonderful gift!" expressed his owner.
References
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