6 Best Companies For Pet Dental Insurance – By the time your pet turn 3, most dogs and cats already show signs of dental disease, according to research. If these dental problems are not treated, they can lead to serious issues like tooth loss, infections, or even affect the kidneys and heart.
This is why it’s important to choose a pet insurance plan that includes dental coverage. To help you find the best options, we focused on top-rated insurance providers that offer strong dental care benefits, especially those that include periodontal disease in their standard plans.
Some insurers don’t cover dental illnesses at all, and others may charge extra for it. We also considered companies that provide optional wellness plans. These can support routine dental care, such as professional cleanings, which help prevent long-term dental problems for your pet.
The 6 Best Companies For Pet Dental Insurance
We have done our research, and we have picked out the best companies that you are sure to get the best dental insurance for your pet. In order to narrow down our research, we have selcted only the best 6 companies that offer pet dental insurance. In this part of the article, we have detailed information on each comoany and what they can offer your pet.
ASPCA
ASPCA provides broad coverage with multiple plan options, including one focused solely on accidents. ASPCA’s Complete Coverage plan includes treatment for dental injuries and illnesses. This includes extractions due to accidents, gingivitis, mouth inflammation, periodontal disease, abscesses, and tumors. The plan also covers cleanings when they’re prescribed to treat a dental issue. However, it does not cover cosmetic dental work such as root canals or crowns.
- Routine Dental Care: You can add preventive care to your ASPCA plan. This includes routine cleanings and yearly wellness exams that can help detect dental diseases early.
Embrace
Embrace gives pet owners flexible coverage options and includes care for certain pre-existing conditions. In addition, Embrace offers dental coverage for broken teeth, extractions, gingivitis, and more. It also covers procedures like root canals and crowns, which are not common among many insurers. Keep in mind, Embrace limits dental coverage to $1,000 per year.
- Routine Dental Care: Embrace offers a Wellness Rewards plan for an extra cost. It covers routine dental care such as cleaning and checkups, as well as items like toothbrushes, dental treats, and even professional brushing by a groomer.
Fetch
Fetch is known for its comprehensive coverage and generous reimbursement rates. Meanwhile, Fetch’s standard plan takes care of dental issues affecting all teeth, not just specific ones. Coverage includes periodontal disease, oral tumors, and injuries in the mouth.
- Routine Dental Care: Fetch has three optional wellness plans. Each comes with an annual dental cleaning allowance ranging from $175 to $250, along with additional services like vaccines and behavioral exams depending on the plan level.
MetLife
MetLife offers pet insurance with strong dental coverage and flexible plan options. A standard MetLife plan includes treatment for periodontal disease, dental injuries, and fractured teeth. It may also include some procedures like root canals and orthodontic treatments, which are rarely covered elsewhere. However, cosmetic dental work is not included.
- Routine Dental Care: With MetLife’s wellness plan, you can get between $100 and $150 per year toward dental cleanings if you purchase it online. Higher allowances may be available when you buy the plan over the phone.
Pumpkin
Pumpkin offers a solid accident and illness plan, with extra support for pets with certain pre-existing conditions. Pumpkin’s coverage includes extractions due to periodontal disease or injury. It also covers cleanings when they’re medically necessary. Cosmetic and advanced dental procedures like root canals are not covered.
- Routine Dental Care: Pumpkin offers two wellness options. Preventive Essentials is an add-on for existing policies. Wellness Club, the standalone version, includes up to $150 per year for cleanings if you choose the Premium option.
Spot
Spot provides extensive coverage options and a good selection of dental benefits. Thet cover dental treatments and extractions due to illness or accidents. Cleanings are also included if prescribed for a covered condition. Cosmetic and advanced procedures like crowns or root canals are not included.
- Routine Dental Care: Spot offers two preventive plans. Depending on which you select, you can get between $100 and $150 per year for cleanings and other dental upkeep.
What Does Pet Dental Insurance Cover?
Dental costs for pets are generally included in two types of coverage: accident and illness plans, and wellness add-ons.
Dental Accidents and Illnesses
Accident and illness plans can help cover unexpected events like tooth injuries, jaw fractures, and diseases such as periodontal conditions. However, not all plans cover everything. Some insurers exclude certain dental illnesses or only offer them with an added fee. Make sure to read your policy closely so you know what is included.
Routine Dental Care
Routine care, such as cleanings and dental exams, usually isn’t included in basic plans. A wellness add-on can help pay for these services. These add-ons often include a yearly limit on how much they will cover, such as $100 or $150. While they help reduce costs, they may not fully cover the price of a professional dental cleaning.
How Much Does Pet Dental Care Cost?
Keeping your pet’s teeth in good shape can be costly. A simple tooth extraction may start at around $500, while more complex dental procedures can cost as much as $2,500 or even more. Also, routine dental cleanings also add up. According to a 2023 survey by CareCredit, the average cost for a dental cleaning is about $376 for dogs and $314 for cats.
However, your actual expenses will depend on several factors. These include your location, your pet’s breed and size, age, and the current state of their dental health.
How to Find Pet Insurance That Covers Dental Problems
Dental coverage varies by insurance provider, so it’s important to review each policy carefully before making a decision. Many companies offer sample policies online to help you understand what is and isn’t covered. Here are a few key questions to ask when comparing options:
- Does the policy include treatment for dental illnesses such as periodontal disease?
- Are all teeth covered under the plan, or just specific ones like canines?
- Is there a yearly cap or limit on how much dental coverage you can use?
- How long is the waiting period before dental benefits become active?
- If the policy includes a wellness plan, how much does it cover for regular dental cleanings?
- Are there specific requirements to maintain coverage, such as getting your pet examined annually?
Finding pet insurance with strong dental coverage, along with regular home care like brushing your pet’s teeth, can help protect their health and save you money in the long run.
