Best Dental Insurance Plans for Dogs (2021 Review)
Dog dental insurance and dental care is a big part of taking good care of your dog to ensure he or she lives a long and healthy life. Dental issues and diseases can make life very uncomfortable for your dog. Many dog owners consider dog dental insurance as a way to offer their dogs extra protection and care. Learn more about dental insurance for your dog with our reviews of five different top dog insurance companies and what they offer for their dental care.
Best Comprehensive Plans
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Is There Such a Thing as Dog Dental Insurance?
Dental insurance for dogs is a real thing, and it’s not only used by many dog owners but is also recommended by many veterinarians. In fact, approximately 85 percent of all dogs older than four years old suffer from some kind of periodontal disease according to veterinarians nationwide.
Dogs also suffer from tooth fractures, which can result in expensive vet bills. Dog dental insurance is typically not a policy on its own but can be purchased separately or purchased as an add-on to the regular pet insurance policy.
Is Dog Dental Insurance Worth It?
According to Gabriel Park Veterinary Clinic in Portland, Oregon, dental care costs for your dog can vary widely, ranging from $600 to $1700, depending on the severity and the number of extractions needed. The best strategy is prevention, and you can employ the following tips to keep your dog from getting bad teeth:
- Get your puppy used to brushing teeth with gauze around your finger
- Use Greenies or other hard bone chews for larger dogs to prevent plaque buildup
- Use CET toothpaste – contains enzymes and comes in beef or poultry flavors
- You can put additives in water – this is untested but has anecdotal evidence of helping
- Stay away from wet dog food
What Pet Insurance Covers Dental Treatment for a Dog?
Dental treatments can be described as any type of treatment having to do with the mouth and teeth. Most pet insurance companies cover treatments related to injuries. However, many pet owners want to provide their dog with annual dental cleanings as recommended by the veterinarian. Not every pet insurance company will cover dental cleanings, and many will not cover the entire amount. Insurances that do cover dental cleanings or a portion of it include SPOT, Pets Best, Embrace and Lemonade to name just a few.
How Much is Dental Insurance for a Dog?
Dental insurance is relatively inexpensive. In most cases, dental cleaning is included as part of the preventative care portion of an accident and illness policy. Depending on the company, the preventative care portion may be included in the accident and illness policy, or you may have to pay a little extra each month for preventative care. The cost of these policies varies by the breed, age and location of the dog. It can also depend on the deductible, annual maximum limit and the reimbursement rate you choose when you purchase the policy. Check out our section below to see quotes for specific breeds so you can get an idea for the range of costs for dental insurance.
How Much is a Teeth Cleaning for a Dog?
The cost of having your dog’s teeth cleaned can range from $300 to $700 depending on the dog and the veterinarian. This amount generally includes the cost of anesthesia. Anesthesia is necessary in order to be able to do the dental cleaning. The amount for dental cleaning does not include special treatments for tooth extractions or periodontal disease, which can add a few hundred dollars more to the bill. In addition to the cleaning, there are often x-rays to check the roots, and a pre-exam blood draw that can run over $100.
Can You Add on Dental Insurance to an Existing Plan?
Dental cleaning may or may not be included as part of the preventative care portion of your pet insurance policy, but it seldom covers other dental treatments. Dental insurance can be purchased as part of a wellness policy and added on to the regular pet insurance policy.
What Does Dog Dental Insurance Coverage Look Like?
SPOT Dog Dental Insurance
SPOT offers dental cleaning as part of its accident and illness policy. SPOT offers a Gold Policy that pays $100 per year for cleaning and a Platinum policy that pays $150 per year for cleaning. The cost of anesthesia is typically covered under the medication and prescription drug section of the policy. Dental issues related to accidents are typically covered under the accident portion of the policy.
Pets Best Dog Dental Insurance
Pets Best does not offer dental cleaning as part of its regular policy but offers dental care as part of its wellness policy. This is offered as an add-on for an additional monthly fee.
Embrace Dog Dental Insurance
Embrace offers a full dental insurance policy that covers things like periodontal disease, extractions, stomatitis, chipped, broken or fractured teeth, root canals, crowns and gingivitis. Their dental insurance does not cover routine dental care like cleanings, annual dental checkups and professional teeth brushings. These things can be covered by purchasing a wellness package along with the regular pet insurance.
Lemonade Dog Dental Insurance
Lemonade does not cover things like dental cleanings and extractions as part of its pet insurance policy. However, it will cover dental work required because of an accident. They do offer a preventative and wellness package that will cover dental work, and this can be purchased as an add-on to your regular pet insurance.
Trupanion Dog Dental Insurance
Trupanion does not cover dental cleanings and dental care. They also do not offer a preventative and wellness policy that will cover dental. They will cover dental services related to an accident.
Dental care may or may not be part of regular pet insurance. Here are quotes for the following types of dogs living in Los Angeles (90001 zip code) and Kansas City, MO (64030 zip code).
Dental Insurance Costs by Breeds (Sample Quotes)
Toy Poodle Dental Insurance Cost
The price for an accident/illness pet insurance policy with dental insurance for a three-year-old female toy poodle is $35.93 per month through SPOT. This policy has an annual limit of $4,000, a $250 deductible and pays an 80 percent reimbursement rate. It pays up $100 to $150 annually towards dental cleaning. The amount is based on the pet being covered under the gold policy or the platinum policy. The price is the same for Los Angeles and Kansas City pet owners.
Goldendoodle Dental Insurance Cost
The price for an accident/illness pet insurance policy for a three-year-old female Goldendoodle is $63.16 per month through Pets Best for its most popular policy. This policy has an unlimited annual maximum, a $250 deductible and pays an 80 percent reimbursement rate. It does not cover dental care, but dental care can be included by adding a wellness policy. Their best wellness policy costs an additional $26 per month. The amount is based on the pet being covered under the gold policy or the platinum policy. This price is for pet owners in Los Angeles, CA. The same policy for a pet owner in Kansas City, MO is $26.45 plus the $26 per month for the wellness policy.
French Bulldog Dental Insurance Cost
The price for an accident/illness pet insurance policy for a three-year-old female French Bulldog is $70.97 per month through Embrace for its most popular policy. This policy has an annual limit of $5,000, a $300 deductible and pays an 80 percent reimbursement rate but offers other options. It does not cover dental care, but dental care can be included by adding a wellness policy for routine care. Their wellness policy costs an additional $35.42 per month and pays up to $450 per year. This price is the same for pet owners in Los Angeles, CA and Kansas City, MO.
Husky Dental Insurance Cost
The price for an accident/illness pet insurance policy for a three-year-old female Husky is $19.25 per month through Lemonade for its most popular policy. This policy has an annual limit of $20,000, a $250 deductible and pays an 80 percent reimbursement rate but offers other options. It does not cover dental care, but dental care can be included by adding a preventative and wellness policy for routine care. Their wellness policy costs an additional $16 per month and pays 80 percent of the cost of the service. This price is the same for pet owners in Los Angeles, CA and Kansas City, MO.
Extensive dental care is costly, and prevention is key. However, with some breeds there is not a lot you can do. Forty-two teeth tend to crowd in a small dog’s mouth, and Chihuahuas, Pomeranians, and Toy Poodles are notorious for having bad teeth. If you have a larger breed dog, you are not out of the woods, but you can anticipate less issues since their teeth have more room, therefore less plaque and tartar buildup.