When some pet owners take out an insurance policy, they may not consider the importance of dental coverage until their pet needs work done on their teeth and it isn’t covered by the plan. This can be a frustrating realization when you want to treat your pet; it can also damage the trust that you have in your provider.
To help you out, here are 10 policies that cover dental expenses. These include dental disease in the standard plans and often have optional wellness packages for the routine dental cleanings that you need to ensure that your pet’s teeth stay healthy.
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The 10 Best Pet Dental Insurance Companies
1. Spot Pet Insurance — Best Overall
Spot pet insurance covers emergency dental treatments as part of its standard accident-and-illness policy. It also has coverage for routine dental cleanings as part of the preventive care package that you can add to your plan for an extra cost. Spot supports tight budgets by offering an accident-only plan, is eco-friendly with a paperless claim system, and offers a complimentary Amazon gift card for residents in select states.
Along with covering certain pre-existing conditions — as long as your pet is symptom free for 180 days — Spot has a range of customization options. The annual coverage ranges from $2,500 to unlimited, with $100–$1,000 deductibles, and 70%–90% reimbursement rates.
There is a 14-day waiting period for accidents and illnesses, which is longer than many other policies.
2. Pumpkin Pet Insurance — Best Value
Pumpkin pet insurance includes dental coverage in its standard plan, so you don’t need to pay extra for a preventive care package to add to your premium. The policy also doesn’t exclude older pets or breeds, to ensure that all pets benefit from standard wellness coverage.
Available in all 50 states, Pumpkin has a highly customizable plan to suit a variety of budgets. While you can’t change the 90% reimbursement rate, you can adjust the annual coverage — between $7,000 and unlimited, depending on whether you have a cat or a dog — and the deductible ($100, $200, or $500).
The 14-day waiting period is the same for all conditions, whether it’s an accident or an illness, including for special conditions like cancer. However, many other pet insurance providers have a much shorter 1–2-day waiting period for certain claims.
3. Fetch Pet Insurance
Fetch is a pet insurance provider that covers dental issues as part of its standard accident-and-illness plan. Along with covering the cost of boarding your pet if you ever end up in the hospital, Fetch reimburses you for veterinary exam fees and offers several discounts to help lower your premium.
Like many other providers, Fetch offers a 70%–90% reimbursement rate, depending on your preferences. You can adjust your annual coverage between $5,000, $10,000, and $15,000, with additional limits — including unlimited plans — if you sign up over the phone. Fetch also has a wide range of deductible choices from $250 to $1,000.
There is no coverage for preventive care or accident-only plans. Illnesses and accidents also have a 15-day waiting period before coverage begins, which is a long time compared to many other providers.
4. Figo Pet Insurance
Figo pet insurance prides itself on caring for pets and their owners. The policy has no upper age limit and a 24/7 veterinary helpline, and the main plan covers dental issues at no extra cost to you. Figo also gives you access to the Pet Cloud app, which enables you to keep track of routine veterinary visits and helps you socialize with other pet owners. There is also a personalized pet tag that syncs to the app just in case your pet ever gets lost.
Along with the high 100% reimbursement rate, Figo offers choices from 70 to 90%, and deductibles range between $100 and $750. You have the choice of three annual coverage limits: $5,000, $10,000, and unlimited.
Unfortunately, Figo doesn’t have an accident-only plan, which is often a cheaper alternative to policies that cover both accidents and illnesses. There is a lengthy 6-month waiting period for orthopedic conditions.
5. Lemonade Pet Insurance
Along with its home, car, renters, and life insurance policies, Lemonade offers pet insurance plans. Due to the variety of insurance plans that it offers, it has a multi-policy discount for policyholders who bundle pet insurance with other policies. The company regularly donates part of the proceeds from the plan premiums to charities in order to give back to the community.
Compared to some other plans, Lemonade is more limited when it comes to customization. However, it still offers several options to suit a variety of budgets, including 70%–90% reimbursement rates, $100–$500 in deductibles, and annual coverage limits ranging from $5,000 to $100,000.
Although the waiting period for accidents is only 2 days, illnesses have a waiting period of 14 days, and there is a waiting period of 6 months for cruciate ligament conditions. Lemonade’s dental coverage does require an extra cost due to it being an add-on package rather than part of the standard plan. The pet insurance policy is also not available in all 50 states.
6. Embrace Pet Insurance
Embrace pet insurance covers up to $1,000 worth of emergency dental issues a year as part of its standard plan. It also provides routine dental care in the optional wellness package that you can add to your plan for an extra cost.
Annual coverage of the policy ranges from $5,000 to $30,000, and you can choose a deductible between $200 and $1,000 a year, which diminishes every year that you don’t file a claim. Embrace reimburses you for 70%, 80%, or 90% of your vet bill.
Although there is no upper age limit for eligible pets, there is a limit on when you can sign up for accident-and-illness coverage. Pets that are enrolled when they’re 15 years of age or older are only eligible for the accident-only plan and won’t be covered for illnesses. The accident-only plan is much more limited in customization choices, with a $5,000 annual limit, 90% reimbursement, and a $100 deductible.
Despite having a quick 2-day waiting period for accident claims, Embrace has lengthy waiting periods for other conditions. Illnesses have a waiting period of 14 days, while orthopedic conditions require 6 months.
7. ASPCA Pet Insurance
The ASPCA’s pet insurance plan offers three coverage options. Dental care is covered by the standard plan, provided that it’s used to treat a covered accident or illness or is part of the optional wellness plan for an extra fee. Unlike many other pet insurance providers, the ASPCA also offers coverage for horses, which includes coverage for dental care, though the horse plans are more limited.
There are three annual deductible choices — $100, $250, and $500 — and up to 90% reimbursement on all claims. The standard plan’s annual coverage ranges from $5,000 to unlimited or $3,000–$7,000 for horses. There is a $3,000–$10,000 annual limit for accident-only plans. Although older horses are only eligible for accident-only plans, there is no upper age limit for cats or dogs.
Despite many dental procedures being covered as part of the main plan or preventive care package, ASPCA pet insurance doesn’t cover procedures such as root canals or caps. It also has a 14-day waiting period for coverage.
8. Trupanion Pet Insurance
Trupanion pet insurance focuses on emergency veterinary care instead of routine visits. It covers dental diseases that crop up unexpectedly but doesn’t provide coverage for routine dental care, such as cleanings or checkups.
Trupanion doesn’t charge a deductible in Florida, but if you live elsewhere, you have the choice of deductibles, up to $1,000. It’s a per-condition deductible, which means once you’ve met it once, you won’t need to pay it again for that illness if your pet experiences it again. Trupanion also offers unlimited annual coverage and 50%–90% reimbursement rates, depending on the state that you’re in.
There is an upper age limit for the policies, and pets that are 14 or older aren’t eligible for coverage. However, Trupanion doesn’t raise premiums as your pet ages, so they will cost more or less the same throughout their lifetime.
9. Nationwide Pet Insurance
While many other pet insurance providers only offer one plan, Nationwide has three choices. There are two levels for pet insurance and a standalone or additional wellness plan. Both the Whole Pet and Major Medical plans cover dental diseases with a few exclusions depending on which plan you purchase, but dental cleaning isn’t covered at all.
Nationwide is more limited than most other plans when it comes to reimbursement, with only 50% or 70% rates. It also only has a single $250 annual deductible option. The annual coverage limit depends on the plan that you choose. Whole Pet plans max out at $10,000, while wellness coverage is limited to $400 or $500. Nationwide does cover other pets — like birds and other animals — along with cats and dogs and offers a multi-policy discount if you bundle pet insurance with another of its policies.
Despite covering a wide range of pets, Nationwide has an upper age limit of 8 years old for a few of its plans. You also need to wait 12 months before cruciate ligament issues are covered, and the app can’t be used to submit claims.
10. Hartville Pet Insurance
Hartville covers dental disease as part of its standard policy, and the optional wellness add-on covers routine dental cleanings for an extra cost. There’s also an accident-only policy available, which includes coverage for necessary tooth extractions, provided that they’re a treatment for an accident or diagnosed illness.
The annual coverage for a policy from Hartville ranges from $5,000 to unlimited, with $100, $250, or $500 deductibles and 70%–90% reimbursement rates. Although the policy does cover certain pre-existing conditions, provided that your pet is symptom free for 180 days, the premium is more expensive the older your pet is. It can be difficult for pet owners with tight budgets to make the premium more affordable.
Buyer’s Guide: How to Choose the Best Pet Insurance for Dental
What to Look For in Pet Insurance Plans for Dental
Not all pet insurance providers cover dental issues, and it’s not always easy to figure out which plans only cover diseases or include cleanings for an extra cost. Here are a few of the parameters that we used for the list to determine which pet insurance providers are the best for dental coverage.
Pet insurance providers handle dental issues in different ways. We focused on policies that cover dental diseases or tooth extractions due to accidents or illnesses as part of the standard plan. While the standard plan might not cover procedures like crowns, caps, and root canals, it still ensures that your pet has plenty of coverage for any accident or illness that they could develop that can affect their dental health.
Unfortunately, few providers cover dental cleaning unless it’s a treatment for another medical condition, as it is considered a preventive measure. However, several providers did include routine cleanings as part of an optional wellness care package. While these add-ons cost extra, they also cover vaccinations and routine checkups, depending on the provider that you use.
Customer Service & Reputation
When it comes to emergencies for your pet, the quality of the customer service of your pet insurance provider can go a long way in helping to ease your concerns. You need a provider that will listen to your worries, address them, and ensure that your claim is handled quickly and efficiently. We also carefully considered the reputation that the provider has for paying out claims in a quick and timely manner.
To ensure that each listed provider has excellent customer service and reputation, we paid close attention to the customer reviews. The best way to tell how well an insurance company treats its policyholders is by asking people who are already covered by the plan.
The biggest reason for purchasing a pet insurance policy is to benefit from the reimbursement for veterinary care that saves your pet’s life and prevents you from having to make a terrible decision. To this end, you need a provider that is reliable when it comes to paying out covered claims and upholds the promised reimbursement rate once you’ve met your deductible.
You can change the amount that you get back based on the deductible and the reimbursement rate of your policy. While both can raise your premium — particularly a low deductible and a high reimbursement — you’ll also get more back for your veterinary bills than if you have a cheaper plan.
Price of Policy
There is a base rate for each pet insurance provider that you consider, but you can adjust the premium depending on how customizable the plan is. For example, unlimited annual coverage, a high reimbursement rate, and a low deductible mean you can spend less at your vet and get more back from your policy.
Unfortunately, the issue is that the premium of your plan will be much higher. If you can afford the cost, this isn’t necessarily a bad thing, but it’s not ideal if you need a budget option.
We chose providers that have a low monthly premium overall, even before you go in, and that enables you adjust to the reimbursement, deductible, and coverage limit to suit your needs.
The options available for customizing your plan can make the difference between a policy that’s beneficial for you or one that’s too expensive for too little coverage. By adjusting the deductible, reimbursement rate, and annual coverage limit, you can tailor your plan to your and your pet’s needs. You can also lower or raise your premium based on your budget.
Not all the providers mentioned have a large number of choices to customize your plan. Some only have two or three deductible choices or only one reimbursement rate or annual limit. Combine the customization options with the price of the policy and the policy coverage to determine which options are best suited for you.
An optional wellness plan can also make a policy more suitable for your pet’s dental issues. Many preventive care packages will include coverage for routine dental cleanings, which help reduce the risk of dental diseases that need treatment later.
Are Dental Issues Covered by Pet Insurance?
Dental conditions often get left out of people’s insurance plans, and this is true for pets too. Some pet insurance providers don’t cover dental issues at all, while others will cover diseases or tooth extractions only if they’re related to accidents or illnesses.
Most providers won’t cover routine dental cleaning unless it’s part of an optional wellness package.
Does My Pet Insurance Provider Cover Dental?
If you checked this list to see if your pet insurance covers dental but didn’t see it here, that doesn’t mean it doesn’t offer coverage for dental issues. Your best option is to call your provider and clarify whether it covers dental problems.
The customer service agents working for your provider will be more familiar with the ins and outs of the policy and will be able to accurately tell you whether dental is covered by your plan.
What the Users Say
Pet insurance is something that people either love or hate. Many policyholders wouldn’t give up their insurance plan for the world, as it helps them keep their pets as healthy as possible. But there are always reviews that mention terrible experiences, and choosing the wrong policy can lead to a bad time with your provider. Do your research before purchasing a plan to make sure your provider has your pet’s best interests at heart.
Which Pet Dental Insurance Provider Is Best for You?
The best advice that we can give you about pet insurance for dental issues is to do your research. This list can give you a few ideas about where to start your search for a pet insurance provider, but choosing a suitable plan is up to you. After all, you are the most familiar with your pet, how healthy they are, and how often they’re likely to get into an accident that requires veterinary treatment.
This list features pet insurance providers with plans that cover dental issues. Some have wellness care packages that cover dental cleanings, and others have plans that just focus on dental diseases. Whichever provider you choose, whether it’s on this list or not, depends on what you need your policy to do for you when it comes to your pet’s overall health, not just their teeth.
Finding the perfect pet insurance plan isn’t easy, and adding dental coverage into the mix can make it all even more frustrating. It’s challenging to figure out whether a plan provides dental coverage and to what extent.
The 10 providers on this list all cover dental, along with treatment for regular accidents and illnesses. A few also include dental care as part of their routine wellness coverage, if the policy provides it. We hope that reviewing this list helps you determine which pet dental insurance provider offers the coverage that you need.