Sorry KittyJ, I obviously have no experience with pet insurance in America.
Most pet insurance we have here, do not cover dental issues. I don't know how it is where you are, but it may just be worthwhile to bear that in mind, when choosing insurance cover.
I have opted for one which offers dental cover.
This dental cover, however, does not cover routine dental checks or 'scale and polish'.
No company offers this here.
All I can say, pet insurance premiums are high; but so are vet bills. Even simple x-rays, sedation, can run into hundreds of pounds.