Pet Insurance

Does Pet Insurance Cover Dental Cleanings And Work?


Last Updated: June 13, 2023 | 2 min read | 1 Comment

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Dental-related health concerns are a gray area for many pet parents because they don’t know what is covered or excluded from pet insurance policies. Are the preventive daily dental hygiene products and procedures covered by insurance? And what about the more severe dental accidents and illnesses, like gum disease, endodontic disease, tooth extractions, and more? How do dental cleanings fit into this picture? We’re here to answer your questions so you clearly understand what a pet insurance policy entails.

Does Pet Insurance Cover Dental Cleanings?

Dental cleanings are considered preventative treatment and are not covered by pet insurance policies. If you’re interested in having some level of coverage for dental cleanings, you may be able to add a wellness plan to your pet insurance policies or buy a separate wellness plan like Banfield. However, not all companies offer wellness plans, and of the ones that do, they have varying amounts they cover for dental cleanings. You may need to upgrade to a higher-tier wellness plan to have teeth cleanings included in your coverage.

Dental Cleaning Allotments (From Wellness Plans) By Pet Insurance Company

The table below shows the top pet insurance companies that offer wellness plans, including an annual allotment toward dental cleanings. Please note that these wellness plans also offer routine coverage beyond dental.

Pet Insurance CompanyWellness Plan NamePrice Per Month For Plan$ Allotted For Dental Cleanings
24Petprotect logoBasic Preventive Care$9.95$100
24Petprotect logoPrime Preventive Care$24.95$150
AKC Pet InsuranceDefenderPlus$29$150
ASPCA logoBasic Preventive Care$9.95$100
ASPCA logoPrime Preventive Care$24.95$150
Figo logoBasic$9.50$40
Figo logoPlus$16.50$75
Lemonade Pet Insurance logo Ideal For Dogs$24.33$150
Pets Best logoBest Wellness$26 ($30 in WA)$150
Spot Pet Insurance logo Gold$9.95$100
Spot Pet Insurance logoPlatinum$24.95$150

Does Pet Insurance Cover Dental Work?

Yes, pet insurance companies typically offer some level of coverage for non-routine dental-related claims. The extent of coverage varies by provider, though. And with all pet insurance, if a condition is deemed pre-existing by the provider, then it is excluded from coverage, this includes dental issues. The table below shows what type of coverage is available from the best pet insurance companies.

CompanyReviewNon-Routine Dental TreatmentGum (Periodontal) DiseaseTooth ExtractionEndodontic DiseaseDevelopmental AbnormalitiesTrauma To Teeth, Face & Jaw
ASPCA logoRead ReviewCheckmarkXXXXCheckmark
Embrace logoRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkIf Not Pre-ExistingCheckmark
Fetch by the Dodo logoRead ReviewCheckmarkCheckmarkXXXCheckmark
Figo logoRead ReviewCheckmarkXDue To AccidentXXCheckmark
Healthy Paws logoRead ReviewCheckmarkXDue To AccidentXXCheckmark
Lemonade Pet Insurance logoRead ReviewCheckmarkExtra FeeDue To AccidentXXCheckmark
Nationwide Pet Insurance logoRead ReviewCheckmarkXXXXX
Pets Best logoRead ReviewCheckmarkCheckmarkCheckmarkCanines & Carnassials OnlyEnrolled Before 6 Months OldCheckmark
Spot Pet Insurance logoRead ReviewCheckmarkXXXXCheckmark
Trupanion logoRead ReviewCheckmarkCanines & Carnassials OnlyCheckmarkCanines & Carnassials OnlyEnrolled Before 6 Months OldCheckmark

Does Pet Insurance Cover Tooth Extractions?

Some pet insurance companies offer coverage for tooth extractions, including Pets Best, Figo, Healthy Paws, Embrace, Lemonade, and Trupanion. However, the extent of this coverage varies by provider, so it’s essential to read your policy thoroughly. If you have questions, you might even consider contacting your provider for preapproval of your vet’s estimate before the procedure starts.

Does Pet Insurance Cover Routine Dental Care At Home?

No, pet insurance or wellness plans do not cover dental hygiene products you would use at home for your dog. These items might include toothbrushes, toothpaste, dental chews, and more.

What Pet Insurance Offers The Best Dental Coverage?

We’ve researched the best pet insurance companies and compared their dental coverage against one another. Our best pet dental insurance comparison explains common dental issues for pets and which companies cover those issues.

Remember that the sooner you sign up for pet insurance, the fewer pre-existing conditions your pet will have excluded from coverage. Unfortunately, all pets are at risk for dental issues throughout their lifetime, especially smaller breeds like Dachshunds, Cavalier King Charles Spaniels, Yorkies, Chihuahuas, Pugs, and more. So, it is wise to consider this aspect of responsible pet ownership in addition to diet, exercise, etc.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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