Pet Dental Insurance: Finding The Right Plan (2023)


Jump To: What Pet Dental Insurance Typically Covers | Do You Really Need Pet Dental Insurance? | Cost of Pet Dental Pet Insurance Cost | Top 3 Pet Dental Insurance Providers | Overview | How To Prevent Pet Dental Issues | Final Thoughts | FAQs | Methodology

Our pets rely on us to keep them happy and healthy. Along with parasite prevention and a nutritious diet, pets need regular dental care. Many pet parents forget that maintaining their pet’s dental hygiene is essential to overall health.

In fact, poor dental hygiene could lead to gum disease, a mouth injury, and health problems down the road. Luckily, pet health insurance providers offer pet dental insurance to ensure your pet’s teeth are taken care of.

In this article, we’ll discuss:

  • What pet dental insurance covers
  • How much pet dental insurance costs
  • Who we recommend for pet dental coverage
  • How you can prevent pet dental issues

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs: 


What Does Pet Dental Insurance Typically Cover?

Dental injury, dental illness, and dental cleanings are the three most common dental items you’ll see in pet insurance policies. Different incidents and conditions are covered under these categories, so make sure you understand what your particular provider means when it says “dental insurance.”

Dental injury – Dental injuries, such as broken, chipped, or fractured teeth, are covered under most traditional accident/illness plans. Dental injuries can result from something as serious as your pet getting hit by a car or as simple as it chewing too hard on a bone.

Dental illness – Dental illnesses are conditions like gingivitis, stomatitis, feline tooth resorption, and periodontal disease that can arise unexpectedly or result from inadequate dental care. Because some pet dental illnesses are preventable, pet insurance providers sometimes exclude them from coverage. If dental illness coverage is important for your pet, be sure to read the fine print of various plan options.

Routine dental care – Pet insurance providers consider dental cleanings a part of preventative care, so they don’t typically cover it under accident/illness plans. Many providers offer wellness plans for dental hygiene services like routine teeth cleanings, teeth brushing, and annual checkups. Preventative care plans may also reimburse you for dental care products like dental chews, pet toothpaste, and dental supplements.

Do You Really Need Pet Dental Insurance?

According to the University of Florida College of Veterinary Medicine, your pet’s oral health affects all facets of its overall wellness. By age three, most dogs and cats have developed dental disease. Pets constantly ingest germs because they use their mouths to eat, play, and pick things up. Pets also can’t brush their teeth, so the germs and food debris stay there unless we clean their mouths for them. We can maintain routine pet dental care at home, but professional work is needed to truly ensure good dental health.

Veterinary dental work isn’t cheap. Along with dental procedures, regular cleanings often require anesthesia, which adds hundreds of dollars to your vet bill. Your pet’s dental injury treatment costs will most likely be accompanied by office fees, medicine costs, diagnostic testing fees, and more. In short, pet dental insurance is a beneficial tool for managing veterinary dental costs if and when they arise.

How Much Does Pet Dental Insurance Cost?

Pet dental insurance costs vary depending on what you need coverage for. Traditional pet insurance plans cover unexpected dental injuries, dental cleanings, and offer pet wellness plans. Dental illness coverage varies across providers. Some pet insurance companies consider dental illness preventable and don’t offer coverage.

Pet insurance companies typically cover dental issues under traditional accident/illness plans, so you won’t have to buy a dental insurance add-on. Most accident/illness plans cost about $30-40 per month for dogs and $15-$25 per month for cats.

Wellness add-ons can cost anywhere from $20-$50 per month but truly vary by provider. Be sure to check your provider’s specific preventative care limits on routine teeth cleanings. Your preventive care package will only cover a portion of your dental cleaning cost. 

The vet will most likely sedate your pet for the cleaning. Sedation requires a preoperative exam and blood testing, which can take your pet’s dental cleaning cost up to $700 or so. For example, a veterinarian in Los Angeles quotes a non-anesthetic cleaning at $180 and an anesthetic cleaning at $680.

Our Top 3 Pet Dental Insurance Providers

Finding the best pet insurance can seem daunting, so we’ve compiled important information on our three top providers to help you floss out the perfect dental coverage for your pet.

Spot Lemonade Embrace
Quote Visit Site Visit Site Visit Site
Our Score 4.9/5 4.8/5 4.7/5
Dental Illness Covered? Yes No Yes
Root Canals & Crowns? Yes Yes Yes
Dental Injuries? Yes Yes Yes
Routine Dental Care? Yes Yes Yes
BBB Rating A F A+

Pet Dental Insurance Providers Overview


Spot Pet Insurance

Spot pet insurance provides customizable coverage on a wide range of accidents and illnesses. Spot is available in all 50 states and covers all dogs and cats regardless of breed, age, or health.

Spot offers coverage on dental illnesses, injuries, and preventative care. Specifically, Spot’s accident/illness plan covers your pet’s unexpected dental injuries and illnesses, even those resulting from hereditary conditions.

You can choose from Spot’s Gold and Premium preventative care add-ons for $250-$450 in routine care savings. The Gold preventive care add-on covers up to $100 for teeth cleanings. The Platinum option provides up to $150 in reimbursement for dental cleaning costs.

On average, Spot’s pet insurance costs $40 per month for dogs and $20 per month for cats.

Find out more in our Spot review.


  • Dental accident and illness coverage
  • Wellness add-on with dental care available
  • Customizable plan options


  • $150 coverage cap for dental cleanings
  • Higher price range

Lemonade Pet Insurance

Lemonade pet insurance provides coverage for diagnostic testing, procedures, and medications associated with your pet’s unexpected accidents and illnesses. Lemonade donates a portion of profits to animal welfare organizations across the U.S. It’s currently available in 35 states.

Lemonade covers a wide range of accidents and illnesses. It also offers add-on coverage for vet visit fees, physical therapy, and preventative care services.

Lemonade’s accident/illness plan only covers unexpected dental accidents like dental fractures and mouth injuries. Lemonade doesn’t cover dental illness and won’t reimburse you for periodontal disease or dental infection treatment.

You can add Lemonade’s Preventative+ package for coverage on routine dental care. Preventative+ covers routine dental cleanings, including the costs associated with dental X-rays, anesthesia, and preoperative medication. Preventative+ costs about $25 per month and covers up to $150 on routine dental cleanings.

For accident/illness coverage, you can mix and match Lemonade’s annual limits, deductibles, and reimbursement rates. You’ll be able to build a personalized level of coverage and a monthly premium that fits your budget.

Annual limits – $5,000, $10,000, $20,000, $50,000, or $100,000

Deductibles – $100, $250, $500

Reimbursement rates – 70%, 80%, or 90%

On average, Lemonade’s pet insurance costs $37 per month for dogs and $15 per month for cats.

Find out more in our Lemonade review.


  • Coverage for dental injuries and routine care
  • Wellness add-on with dental care available
  • Two-day waiting period for accidents


  • No coverage for dental illnesses
  • No unlimited annual limit option

Embrace Pet Insurance

Embrace provides dog and cat insurance in all 50 states. It offers comprehensive accident/illness coverage and a preventative care add-on for routine expenses. In addition to stackable discounts, Embrace has a diminishing deductible system to promote healthy pets.

Embrace’s pet dental insurance covers dental accidents and illnesses. Pre-existing conditions are excluded from coverage. 

You can purchase Embrace’s Wellness Rewards package for coverage of your pet’s routine care services like dental exams and cleanings. You can choose from $250, $450, and $650 reimbursement options.

Embrace pet insurance covers up to $1,000 per year for dental illness expenses. Dental accidents are covered up to your policy’s annual limit. 

Embrace’s customizable plan options allow you to mix and match annual limits, deductibles, and reimbursement rates for a personalized monthly premium.

Annual limits – $5,000; $8,000; $10,000; $15,000; $30,000

Deductibles – $200, $300, $500, $750, $1,000

Reimbursement rates – 70%, 80%, 90%

On average, Embrace’s pet insurance costs $35 per month for dogs and $17 per month for cats.

Find out more in our Embrace review.


  • Dental accident and illness coverage
  • Wellness add-on with dental care available
  • Customizable plan options


  • $1,000 limit for dental illness coverage 
  • No unlimited annual limit option

Prudent Pet Pet Insurance

Prudent Pet provides coverage for your pet’s unexpected accidents and illnesses. It also offers add-on coverage for vet visit fees and preventative care services. Prudent Pet is available in all 50 states.

Prudent Pet provides insurance coverage for dental illnesses, injuries, and routine cleanings.

Prudent Pet offers a basic accident-only plan and two accident/illness plans. The accident-only plan covers only your pet’s unexpected dental injuries. The Essential and Ultimate plans cover dental injuries and illnesses, as long as they are not pre-existing conditions.

Prudent Pet has two preventative care add-ons with dental coverage. The Medium option covers up to $40 for routine dental cleanings, and the High option covers up to $60. The Medium option costs about $20 per month, while the High option costs about $30, but you’ll get more coverage on items like wellness exams, vaccinations, and deworming.

Deductibles – $100, $250, $500, or $1,000

Reimbursement rates – 70%, 80%, or 90%

Annual limits – $10,000 for the Accident-only and Essential packages, or unlimited for the Ultimate package

On average, Prudent Pet’s insurance costs $39 per month for dogs and $23 per month for cats.


  • Dental illness and injury coverage
  • Wellness add-on with a dental cleaning
  • Unlimited annual coverage cap


  • $60 coverage cap for dental cleanings
  • Five-day accident waiting period

Find out more in our Prudent Pet review.

How Can You Prevent Pet Dental Issues?

The best way to help prevent your pet’s dental problems is to keep up with routine care. You can brush your pet’s teeth weekly to remove any bacteria or tartar buildup. Make sure to use veterinarian-approved toothpaste for the best results. 

You can also buy dental chews for your pet. These chews – disguised as tasty treats – clean your pet’s teeth and gums while providing enrichment and fun. If your pet is uninterested in dental treats and refuses to have its teeth brushed, you can use dental water additives that will rinse its mouth and quell bad breath.

Along with at-home dental care, pet owners need to take their animals to the vet for routine dental exams and cleanings. These exams and cleanings aren’t cheap but will help prevent more serious dental issues down the road.

Final Thoughts

Pet dental insurance can cover a range of items, from dental injuries to periodontal disease. Dental treatments can be pricey – sometimes involving scans, anesthesia, tooth extractions, and medications, so coverage is important. 

Most policies cover dental accidents and illnesses, but you can also purchase an accident-only plan for unexpected dental mishaps. No matter what, be sure to read your policy’s fine print for any possible exclusions. 

Now that you understand the importance of your pet’s dental health, you can get to work finding a pet insurance agency that meets your needs. We hope our top-notch provider reviews help you find the best pet insurance for your pets dental needs that will leave you and your furry friend smiling from ear to ear!

Frequently Asked Questions About Pet Dental Insurance 

Do all vets take pet insurance? 

In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered. 

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.

Do pet insurance policies have waiting periods?

Yes, pet insurance policies more than always have waiting periods. between your initial enrollment period and when coverage officially begins for the plan. Across most providers, the standard is around 14 days for accidents and illnesses, but some others, including Lemonade and Embrace, can shorten your waiting period to as low as two days for accidents.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.