Pet Insurance Blog

How & Where To Buy Pet Dental Insurance

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
vet checking dogs teeth

When it comes to maintaining a pet’s health, dental disease is not always the first thing we think about — though it should be, considering that 70% of cats and 80% of dogs develop a form of dental disease by the age of three.

Unfortunately, the cost of preventative care for teeth cleaning in dogs and cats can be rather expensive, ranging from $300 to $700. But without proper prevention, it could be double or triple the price for disease intervention later on.

Pet insurance can be a valuable investment to offset some of these costs, but you'll need to

Here's what you need to know to save money on pet dental care:

Find Pet Dental Coverage

Pet insurance that covers dental

Not all pet insurance covers dental. We reviewed some of the leading pet insurance companies, and here’s what we found:


As part of their comprehensive coverage plan, ASPCA offers reimbursement for illness-related cleaning, tooth extractions, cysts, enamel, deciduous teeth, unerupted teeth issues, and periodontal disease. In addition, the preventive care packages include dental cleaning coverage.


Trupanion doesn’t offer a wellness care plan, which means they don’t cover preventive care and teeth cleanings. The company will cover baby root canals, tooth extractions, endodontic treatments, and developmental abnormalities if you sign up your dog or cat before six months of age.

Fetch by The Dodo

Fetch covers the treatment of dental injury and disease to all permanent teeth. However, the company requires the pet to have an annual dental and health checkup for coverage to apply.


Embrace covers dental accidents up to your policy limit and dental illness up to $1,000 per year. This includes any broken and fractured teeth, tooth extractions, stomatitis, root canals, crowns, and periodontal disease. With the company’s wellness plan, you can get up to $650 per year for dental illness treatments and cleanings.


Spot provides coverage for dental emergencies, diseases, and injuries. It also has preventive care coverage which can help you pay the vet bills for routine teeth cleanings

Pets Best

Pets Best offers a preventative care plan to help cover dental cleaning expenses that is optional to their standard coverage. It also covers non-routine dental treatment, including periodontal disease, tooth extractions, and trauma to the teeth, face, and jaw. However, in order to get this coverage, your pet must be free of dental disease at the time of enrollment.

How to choose dental coverage for your pet

  • Available plans

Most pet insurance providers offer comprehensive Accidents & Illness plans. Some, but not all, offer cheaper Accident-Only plans that limit coverage to unexpected injuries, including those that may happen to pets’ teeth. Make sure your provider offers your preferred solution.

Additionally, note that standard pet insurance coverage doesn’t include preventative dental cleanings (though they may cover the treatment of dental disease and/or related tooth extractions). Therefore, you might want to invest in a pet wellness plan that can offset the cost of routine care for teeth cleanings. Not all providers offer them, and the benefits vary by company, so keep these details in mind when making your selection.

  • Exclusions

No insurance provider covers pets with pre-existing conditions, such as gum disease that exists before policy enrollment. Nor do they cover cosmetic, orthodontic, and endodontic services such as implants, fillings, and caps. However, some pet insurance plans cover hereditary and congenital conditions, and depending on your pet’s breed and its predispositions to dental issues, this feature may be valuable to you.

  • Limits

Some pet insurance policies have annual, lifetime, or per-condition limits that place a ceiling on the maximum payout you can receive in reimbursement for out-of-pocket expenses. Once you hit that limit, you’ll be required to pay for all remaining expenses.

Among the providers that have coverage limits, some may allow you to choose your desired amount. Generally, the higher the limit, the higher the premium rate you can expect to pay.

Where to buy pet dental insurance

It’s always a good idea to shop around and to learn which pet insurance companies cover dental conditions, but doing so requires a lot of work. Pawlicy Advisor makes it easy to search for pet insurance plans with dental coverage, compare quotes at the lowest possible rate, and customize plans all in one place.

Use our free pet insurance comparison tool to evaluate plans and prices side-by-side to find the best protection for your pet and your budget.

Compare Pet Insurance Plans

Key Takeaways

  • Caring for your pet’s dental health can be quite costly, especially if you don’t invest time and money into preventive care.
  • Luckily, there’s a variety of different options for dental pet insurance. You can get coverage for dental illness, dental accidents, or a wellness plan covering teeth cleanings.
  • With some pet insurance providers, you’ll need to pay a little extra in order to get dental coverage, while others include certain dental procedures in their standard plans.
  • With Pawlicy Advisor, you can compare quotes for pet insurance that covers dental online and get the best price for the cover you need.

Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

Analyze My Pet

About Pawlicy Advisor

The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances!

Pawlicy Advisor helping a pet parent and their dog find a great deal on insurance

Instantly Compare Pet Insurance Plans

Get Quotes


How Pet Insurance Works

How To Compare Plans

Determine If Pet Insurance Is Worth It

Determine If Wellness Plans Are Worth It

Vet Visit Costs

New Puppy Checklist

Comparison Charts

ASPCA vs. Pets Best

Pets Best vs. Embrace

Embrace vs. Pumpkin

Pumpkin vs. MetLife

More Comparison Charts

Find Your State

New Jersey





New York



More States

Dog Insurance

German Shepherd




English Bulldog

French Bulldog

Great Dane





More Breeds

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

More you might like

cat on table
4 minute read
Is There Cat Insurance That Covers Everything? It Depends
portrait of two cats
6 minute read
Which Cat Breeds NEED Pet Insurance?
cat standing between owners legs
5 minute read
Does Free Cat Insurance Exist?
outdoor cat
5 minute read
5 Reasons Why Outdoor Cats NEED Pet Insurance
multiple pet cats in house
4 minute read
Can You Have More Than One Cat Insurance Policy?
white cat in doorway
11 minute read
Is Pet Insurance Worth It For Indoor Cats?
online shopping with cat
4 minute read
How & Where To Buy Cat Insurance
happy woman holding cat
4 minute read
How To Get Cheap Cat Insurance Rates
woman using app with dog
4 minute read
24PetWatch Pet Insurance Review
dog interrupting woman on laptop
4 minute read
AAA Pet Insurance Review
family photo with dog
4 minute read
American Modern Pet Insurance Review
woman petting cat while working
5 minute read
What Cat Insurance Do You Need? It Depends
couple petting kitten
5 minute read
Bivvy Pet Insurance Review
woman on laptop playing with cat
6 minute read
When To Buy Cat Insurance: A Licensed Agent's Perspective
female kissing puppy on bed
6 minute read
Petco Pet Insurance Review
man petting australian shepherd
2 minute read
SWBC Pet Insurance Review
military couple sits with dog
2 minute read
Armed Forces Pet Insurance Review
girl holds cat's head in hands
5 minute read
PetPremium Pet Insurance Review
family and dog in rv
2 minute read
American Family Pet Insurance Review
get pet insurance through Pawlicy Advisor on
2 minute read
Pawlicy Advisor Announces Partnership with The Zebra
dog with woman on computer
6 minute read
Is Farmers Pet Insurance Good? Here's How It Stacks Up
blue ribbon dog show winner
5 minute read
Is PetPartners Pet Insurance Good? Here's How It Stacks Up

5 minute read
Can You Switch Pet Insurance?
family at vet with dog
9 minute read
Pet Insurance vs Human Health Insurance
family in the kitchen with cat
4 minute read
Is Costco Pet Insurance Good? Here's How It Stacks Up
dog sits at desk with man
5 minute read
Allstate Pet Insurance Review
professional trainer walks dog pack on leash
4 minute read
Spot Pet Insurance Review
man petting golden retriever
5 minute read
Is USAA Pet Insurance Good?
beagle happy to get pet insurance
4 minute read
Liberty Mutual Pet Insurance Review
woman on computer next to dog
6 minute read
NAPHIA Director Kristen Lynch On Pet Insurance Market Penetration
Kitten gets scratch under skin
5 minute read
AKC Pet Insurance Review
Black and orange cat receives pet
5 minute read
Nationwide Pet Insurance Review
Man holding beagle dog
6 minute read
Geico Pet Insurance Review
Chocolate puppy held by owner
5 minute read
Progressive Pet Insurance Review
Pug puppy and young woman
7 minute read
Is Healthy Paws Pet Insurance Good?
Trupanion pet insurance can pay your veterinarian directly. But is it good pet insurance? Here’s what you need to know.
5 minute read
Is Trupanion's Pet Insurance Good?
Man holding new puppy
10 minute read
When's The Best Time to Get Pet Insurance?
Old Beagle dog sitting next to senior woman
9 minute read
Is Pet Assure Any Good? Here's How It Stacks Up
Woman sitting at desk signing paper with dog on lap
9 minute read
When Is Pet Insurance A Great Decision?
Beagle dog waiting
7 minute read
How Soon Does Pet Insurance Take Effect?
Woman hugging black dog with open mouth
8 minute read
Pet Dental Insurance: How to Find the Best Plan
Pawlicy Advisor Team with Logo
4 minute read
Pawlicy Advisor Raised $6.5M To Help Pet Parents Afford Unexpected Veterinary Treatment
Senior boxer dog
7 minute read
Pet Insurance For Older Pets: Is It Worth It?
walmart storefront
8 minute read
Is Walmart Pet Insurance Good? Here’s How It Stacks Up
banfield pet insurance wellness info and review
9 minute read
Banfield Wellness Plan Info & Review: Everything You Need to Know
wagmo wellness info and review
10 minute read
Is Wagmo Pet Insurance Good? Here's How It Stacks Up
Canine Journal vs. Pawlicy Advisor
10 minute read
Canine Journal vs. Pawlicy Advisor: Which is Best For Pet Insurance
dog looking out window
2 minute read
Three Things to Look for When Comparing Pet Insurance Companies
petinsurancereview vs pawlicy advisor pet insurance
10 minute read
PetInsuranceReview vs. Pawlicy Advisor: Which Is Best For Pet Insurance?
Policygenius vs Pawlicy Advisor pet insurance
10 minute read
Policygenius vs. Pawlicy Advisor: Which is Best for Pet Insurance?
Back to Blog
A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Embrace Pet Insurance Logo
Pumpkin Pet Insurance Logo
MetLife Pet Insurance Logo
Prudent Pet Insurance Logo