Pet Insurance Dental Cover: Coverages and Costs In 2023

Pet Insurance Dental Cover
Pet Insurance Dental Cover

Pet insurance will cover specific areas of your pet’s dental care. When it comes to dental care, here’s what pet insurance does and does not cover. Pet insurance covers a variety of operations, ailments, and illnesses, but does it cover dental care for your dog or cat? There are many parts to your pet’s dental health, so here’s a rundown of what your pet insurance policy covers in terms of oral hygiene.

Why You Need Pet Dental Insurance Cover

Many pet owners don’t brush their pets’ teeth, even though it can help get rid of bacteria and prevent gum problems in the future. Unfortunately, it is estimated that more than 80% of pets have gum disease by the age of three. Plaque, which forms along the gum line, is one of the most common conditions. If you don’t do anything about plaque, it will harden into tartar. You can stop plaque and tartar from forming by brushing your teeth every day or using dental chews.

Your pet’s gums may become infected if the tartar is not removed. Bacteria accumulates behind the gum line, causing painful pockets of infection known as abscesses. Some abscesses happen in the roots of your pet’s teeth, which means they need expensive root canals or teeth pulled.

Periodontal disease is another major problem in dogs and cats. The gum surrounds the teeth without space between them in a healthy mouth, but pockets of tartar at or below the gum line can create separation, which can lead to loose, unsteady teeth and finally tooth loss. Periodontal disease, like human disease, can be stopped in its tracks if caught at its early stage – gingivitis.

Does Pet Insurance Cover Dental Care?

When looking for the finest pet insurance, you want to make sure your pet is protected from head to toe. Regrettably, not all insurance companies provide dental health care. Some pet insurance policies only cover dental work if your pet gets hurt, but not if they get sick.

Most accident and injury insurance does not cover normal dental procedures such as cleanings; however, many pet health plans do. Accident policies may also exclude dental problems like periodontitis.

Also, some accident plans that do cover routine dental care require that any pet who needs emergency dental care has had a cleaning in the last few months. Other insurers exclude specific treatments, such as tooth extractions. Other procedures and problems that may be covered by different pet dental insurance plans include:

  • Root canal therapy
  • tooth fracture 
  • tooth fracture 
  • Retention of baby (deciduous) teeth
  • X-rays
  • Accident-related mouth (oral cavity) reconstruction

But what if your cat or dog requires dental work due to periodontal disease? We discovered various insurance firms that offer it.


Did you know the ASPCA offers pet insurance? Their accident and illness insurance includes a dental plan with wonderful perks such as discounts for multiple dogs and the reinstatement of a “fixed” previous disease (which makes it eligible for coverage). However, payments are based on the geographic average rather than real expenditures. So, if you take your pet to a vet who charges a lot, you may end up paying more out of pocket.


If your pet only has minor dental health issues, such as gingivitis, or if you simply want to keep her dental health in check with frequent cleanings, Embrace may be a wonderful alternative. They have a $1,000 annual cap on dental care, which means they will not cover anything costing more than $1,000 per year. Multi-pet discounts, reinstatement of cured diseases, and disappearing deductibles are among the benefits.


Do you have an unusual pet? Then Nationwide is your best bet since they are the only company that offers insurance for exotic pets. Nationwide has several plans, including ones for dental disease and injuries, cheap prices, and access to a vet helpline that is open 24 hours a day, 7 days a week. The main problem with Nationwide’s plans is that the cost of insurance goes up as your pet gets older.


You want to ensure that your dogs are protected, but you don’t want to spend a fortune. PetFirst provides comprehensive accident and illness coverage at a reasonable price. Coverage includes disease and injury, and there are different savings and options available. There is no coverage for infections that can be “prevented,” like Lyme, but the pros far outweigh the cons.

Pets Best

If you want an unlimited option, Pets Best offers dental disease and injury coverage as well as accident and injury coverage with two options for compensation. You can also choose an accident-only plan, take advantage of multi-pet discounts, reinstate cured conditions, and obtain guidance from their vet hotline. 24 hours a day, seven days a week.

What Does Dental Pet Insurance not Cover?

Here are some examples of common exclusions:

  • Cosmetic, endodontic, or orthodontic services such as caps, implants, and filings
  • Regular dental care, such as teeth cleaning
  • Pre-existing conditions on your pet that happened before coverage began

How Much Does Pet Insurance Dental Cover Cost?

If your pet’s insurance plan already covers dental accidents and/or illnesses but not routine dental work, expect to pay anywhere from $10 to $50 more per month to add on a dental wellness plan that would cover such services. Again, purchasing wellness insurance as a single product is difficult.

There is a wide range of prices for pet insurance policies, depending on the health, age, breed, and species of your animal. Insurance premiums are higher for older, sicker, and larger animals, as well as breeds prone to certain health conditions. Premiums vary in price depending on where you live and are often greater in cities.

How Much Does Pet Dental Care Cost Without Insurance?

Dental care for pets is very expensive, and similar treatments are often more expensive for pets than for people. Dental cleanings for dogs, for example, can cost up to $1,000. Most of the time, root canals and treatment for gingivitis cost more than cleaning, and fixing broken teeth costs even more. A single X-ray might cost over $500, while a blood test can cost more than $50. A single-dog tooth extraction usually costs around $100. Prices vary depending on where you live, what kind of animal you have, and what kind of health problem it has. Regardless of how much you spend, if your pet needs dental care, the bills can soon mount.

What to Think About Before Purchasing Pet Insurance Dental cover

Unfortunately, no pet insurance company presently covers previous conditions. If your cat or dog has a history of dental issues, you should check into a discount program that takes a percentage of your vet fees off. Most traditional insurance does not cover dental cleanings, but it does cover disease treatment and extractions. There are add-on plans that can help with the costs of expensive dental cleanings.

Your best companion is your pet, and you want her to enjoy a long and healthy life. It is critical to assist your pet in maintaining excellent dental hygiene, yet dental work is costly. Fortunately, there are methods to assist alleviate the cost. In rare situations, the coverage may completely cover your pet’s dental work. Shop around for the best deal, and don’t forget about discount programs and add-on plans if you require further assistance.

How to Find Low-Cost Pet Insurance Dental care

If your pet requires medical attention, pet insurance might help keep you out of debt.

“The cost of veterinary care is rapidly rising, as is the difference between what pet owners can afford and what the best veterinary care costs.” “Pet insurance bridges the affordability gap while also providing pets with longer, healthier lives,” Wymer explains.

Here are a few strategies to keep a pet’s dental care costs down, in addition to a pet insurance plan with good dental coverage.

Practice preventive care. 

According to the American Veterinary Medical Association, many pets show early signs of periodontal disease by the age of three. As they get older, it is important to take preventive steps so that dental problems don’t get worse or hurt the way their kidneys or liver work.

“Many dentists recommend getting your teeth cleaned once a year. Instead, ask your vet if they can do a dental assessment.” “This way, you and your veterinarian may discuss best practices for caring for your pet’s dental health, such as brushing or chewing, and determine whether a cleaning or X-ray is necessary due to the condition of your pet’s teeth,” explains Dr. Shawna Garner, U.S. Lead Veterinarian at FirstVet.

Consider purchasing a pet insurance wellness plan. Although no pet medical insurance policy covers routine dental care, you can frequently add a wellness plan that does. Adding a wellness plan to your coverage will raise the cost of your pet insurance but can help offset the cost of dental cleanings (which can range from a few hundred dollars to over $1,000 depending on where you live).

Think about CareCredit.

If your pet has an expensive dental emergency that you can’t pay for, you might be able to use a financing option like CareCredit, but be careful. Pet owners can use CareCredit to get short-term loans from six months to two years, with no interest, for vet bills over $200.

You must use a provider who is part of the CareCredit network. You’ll also be charged 26.99% interest if you don’t pay off the debt by the conclusion of the promotional term. As a result, be ready to pay the balance before interest is levied.

Set away money for savings.

Every pet insurance plan requires you to pay a deductible and a co-insurance percentage. Setting money aside wherever possible can help you manage your veterinarian’s fees.


One potential benefit of pet insurance is dental coverage. However, you cannot purchase insurance solely to cover your pet’s teeth. Rather, consider whether the entire package of benefits from insurance adds up to a pet need that is worth the cost. (In our opinion, it does not for many people.)
If you decide to get coverage, look into the various providers’ dental care provisions. This coverage differs in terms of what it will cover, and the variances may influence your decision. Additionally, while standard pet insurance policies do not typically cover preventive services such as teeth cleaning and dental examinations, you may want to consider adding a wellness plan to your coverage that will cover such expenses, both dental and non-dental.

Frequently Asked Questions

How much does dog dental work cost UK?

In the United Kingdom, the cost of a professional canine teeth cleaning (scale and polish) ranges from £149 to over £500.

How often do dogs need their teeth cleaned?

Once a year

The majority of veterinary dentists recommend that dogs have their teeth cleaned once a year. However, this might vary greatly depending on the breed and whether the dog has any pre-existing health issues. Larger dogs typically require one dental cleaning per year, or less frequently in some situations.

Can Vet clean dogs teeth without anesthesia?

It certainly is! A veterinarian may choose not to anesthetize a medically impaired pet and instead utilize a different method to clean a dog or cat’s teeth. Whether your pet is young and healthy or has health difficulties, you can have their teeth cleaned without anesthetic.

Why is dog teeth cleaning so expensive?

The cost of a dog dental cleaning is primarily due to the X-rays and anesthetic required for the treatment. “Dental X-rays are quite useful in assessing periodontal disease and the condition of teeth below the gum line.” “Unfortunately, they require anesthetic,” Dr. Brigden says.

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