Pet insurance is a great way to look out for your pet, but not all pet insurance plans provide the same level of coverage. One area where coverage varies quite a bit is dental coverage. But since the cost of dental work can quickly add up for your pet, it’s important to know which plans provide adequate dental coverage.
It’s a big deal, which is why we wanted to highlight ten of the best pet insurance plans for dental you can purchase today. We have some great options for you to consider here, and they all come with their own pros and cons!
A Quick Look at Our Favorites in 2023
Image Product Details
Best Overall
Pumpkin
90% reimbursement rate
Customizable annual limits
Customizable deductibles
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Best Value
Lemonade
They offer an upgrade for full dental coverage
You get to pick your coverage
Customizable reimbursement rates, limits, and deductibles
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Trupanion
Up to a $0 deductible
90% reimbursement rates
They offer direct pay at select vets
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Spot
Optional coverage for dental cleanings
Coverage for dental work resulting from accidents
Very affordable rates
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Wagmo
Rates go up with age
You have to upgrade to get dental coverage
Dental coverage maxes out at $100 per year
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Comparing 10 Pet Insurance Plans for Dental
- Pumpkin Pet Insurance – Best Overall Compare Pumpkin PlansIf you’re looking for a pet insurance plan offering outstanding dental coverage, it’s tough to top what Pumpkin Pet Insurance offers. It’s an outstanding insurance plan available for a great price, making it a real win-win.
Their basic plan covers tooth extractions, but like most insurance plans it doesn’t cover routine dental cleanings or exams. Overall, you can customize the annual limits and deductibles to find a plan that fits your budget and needs, but all their plans come with a 90% reimbursement rate.
Still, while there’s a lot to love about Pumpkin pet insurance, it’s not perfect. Not only do their plans not cover preventative dental care, but their rates will increase each year as your pet gets older. With this level of coverage at this price, it’s a great pet insurance option.
Covers tooth extractions
90% reimbursement rate
Customizable annual limits
Customizable deductibles
- Covers tooth extractions
- 90% reimbursement rate
- Customizable annual limits
- Customizable deductibles
Doesn’t cover dental exams or cleanings
Rates go up with age
- Doesn’t cover dental exams or cleanings
- Rates go up with age
- Lemonade Pet Insurance – Best Value Compare Lemonade PlansLemonade is another huge name in the pet insurance industry, and when you look at their plans, it’s not hard to see why. They offer extremely affordable and extremely customizable plans putting you in full control of everything.
The plans themselves are very affordable, but if you opt for all the additional coverage, it will drive the cost up quite a bit. Specifically for dental coverage, there are upgrade options to cover both routine dental care and full dental coverage.
From there, you get to pick your reimbursement rates, annual limits, and deductibles. Lemonade is all about putting you in control of your pet’s insurance, and they do a great job with it.
Upgraded plan covers routine dental cleanings
They offer an upgrade for full dental coverage
You get to pick your coverage
Customizable reimbursement rates, limits, and deductibles
- Upgraded plan covers routine dental cleanings
- They offer an upgrade for full dental coverage
- You get to pick your coverage
- Customizable reimbursement rates, limits, and deductibles
Rates go up with age
Adding a bunch of upgrades drives up the cost
- Rates go up with age
- Adding a bunch of upgrades drives up the cost
- Trupanion Compare Trupanion PlansIf you want a pet insurance company that won’t drive up the price of insurance each year simply because your pet is a little older, you want Trupanion. But while they don’t raise their rates yearly because your pet is a bit older, they charge a bit more right from the start.
Still, they have plans that offer a $0 deductible, and all their plans come with 90% reimbursement rates. Trupanion plans cover all new dental illnesses and injuries, but they don’t cover routine cleanings.
Finally, another huge perk of going with Trupanion is that many vets work with their direct payment system. This system means you don’t have to pay and then wait for reimbursement, when you’re paying at the vet you only need to pay your portion of the bill.
Prices don’t go up because your pet gets older
Covers all new dental illnesses and injuries
Up to a $0 deductible
90% reimbursement rates
They offer direct pay at select vets
- Prices don’t go up because your pet gets older
- Covers all new dental illnesses and injuries
- Up to a $0 deductible
- 90% reimbursement rates
- They offer direct pay at select vets
Does not cover cleanings
More expensive plans
- Does not cover cleanings
- More expensive plans
- Spot Pet Insurance Compare Spot PlansSpot pet insurance didn’t crack our top three, but that doesn’t mean it’s not a great choice for your pet. They offer extremely customizable plans, allowing you to get the exact level of coverage you want and need for your pet.
All their plans cover dental work that comes from an accident, but they do not cover dental work from illnesses. But to help prevent a dental illness from cropping up in the first place, they do offer optional coverage that covers routine dental cleanings.
Still, the selling point of Spot pet insurance is its rates. They offer extremely affordable plans, but it is worth noting that upgraded plans cost more, and they raise the rates each year as your pet gets older.
Extremely customizable plans
Optional coverage for dental cleanings
Coverage for dental work resulting from accidents
Very affordable rates
- Extremely customizable plans
- Optional coverage for dental cleanings
- Coverage for dental work resulting from accidents
- Very affordable rates
Rates go up with age
Not the most comprehensive dental coverage
- Rates go up with age
- Not the most comprehensive dental coverage
- Wagmo Pet Insurance Compare Wagmo PlansWhile most pet insurance companies max out their reimbursement rates at 90 percent, Wagmo is unique in offering a 100% reimbursement plan. Once you meet the deductible, you don’t need to pay anything else!
But while that’s a great perk with Wagmo pet insurance, if you’re specifically looking for dental coverage, their plan isn’t the best. That’s because you have to upgrade to get their dental coverage, and even then, they max out the dental benefits at just $100 a year.
Not only that, but with Wagmo pet insurance there are per-incident and lifetime limits no matter what plan you go with. So while it’s great that there are tons of customization options for their insurance, there’s no denying there are some circumstances where you might want more coverage.
Up to 100% reimbursement
Customizable annual deductibles
Affordable rates
- Up to 100% reimbursement
- Customizable annual deductibles
- Affordable rates
Rates go up with age
You have to upgrade to get dental coverage
Dental coverage maxes out at $100 per year
Per incident and lifetime limits
- Rates go up with age
- You have to upgrade to get dental coverage
- Dental coverage maxes out at $100 per year
- Per incident and lifetime limits
- Fetch Pet Insurance Compare Fetch PlansFetch pet insurance starts the second half of our list, but with their comprehensive dental coverage, they’re still a great option. All their plans cover dental illness and injuries, although they don’t have any options to cover routine dental cleanings.
Still, with affordable rates and plans that cover dental, Fetch pet insurance makes a great choice. You can customize the maximum annual payout, the deductible, and the reimbursement percentage to get the perfect plan for both your budget and your pet.
Just know that the rates will go up each year as your pet gets older, and you might need to prove that you take your pet in for annual dental cleanings to use the dental coverage.
Very comprehensive dental coverage
Customizable plans
Affordable rates
- Very comprehensive dental coverage
- Customizable plans
- Affordable rates
Rates go up with age
They don’t cover dental cleanings
- Rates go up with age
- They don’t cover dental cleanings
- Progressive Pet Insurance Compare Progressive PlansProgressive is one of the largest names in the insurance industry, but one of their lesser-known coverages is pet insurance! As a large company with a great reputation, you know you can rely on their pet insurance plans.
They offer a few different pet insurance plans, and they all have the option to add dental coverage if they don’t already come with it. Their BestBenefit plan provides comprehensive dental coverage for both accidents and illnesses, and they offer wellness plans that cover routine dental cleanings.
The plans themselves are extremely customizable, and with shorter waiting periods you can get to using this insurance faster than many other brands. The rates will increase a bit each year as your pet gets older, but overall, it’s still one of the more affordable pet insurance options.
Options to cover dental cleanings
BestBenefit plan provides comprehensive dental coverage
Very customizable plans
Shorter waiting periods
- Options to cover dental cleanings
- BestBenefit plan provides comprehensive dental coverage
- Very customizable plans
- Shorter waiting periods
Rates go up with age
- Rates go up with age
- Figo Pet Insurance Compare Figo PlansFigo is yet another pet insurance company that covers non-routine dental procedures with all their pet insurance plans. They don’t cover dental cleanings with their regular plans, but they do offer wellness plans that cover the cost of dental cleanings each year.
The plans themselves offer customizable annual limits, deductibles, and reimbursement percentages, which lets you find a plan that fits your budget without sacrificing too much coverage. Helping to keep the rates in check even further is their multi-pet discount.
Like many pet insurance plans, Figo will raise your premium each year as your pet gets older, and this is something you need to keep in mind when you’re setting up your budget and looking at coverage options.
Very customizable plans
Wellness plans cover dental cleanings
Regular plans cover non-routine dental
Multi-pet discounts
- Very customizable plans
- Wellness plans cover dental cleanings
- Regular plans cover non-routine dental
- Multi-pet discounts
- Healthy Paws Pet Insurance Compare Healthy Paws PlansHealthy Paws pet insurance isn’t the best pet insurance option out there if you want dental coverage, but it’s still far better than no coverage. Healthy Paws offers affordable plans with customizable coverage, but their plans only cover dental injuries.
So, if your pet experiences an injury to their mouth and needs treatment Healthy Paws will cover it. However, for illnesses, Healthy Paws does not offer any options for insurance. Not only that, but they don’t offer any coverage options for routine cleanings.
And while Healthy Paws offers customizable and affordable plans, they do max out their reimbursement rate at 80%, which is lower than what most other companies offer. They’re not a bad choice, but we feel like you can do better with an insurance company farther up the list.
All plans cover dental injuries
Very affordable plans
Customizable coverage
- All plans cover dental injuries
- Very affordable plans
- Customizable coverage
Rates go up with age
Reimbursement rate maxes out at 80%
They do not cover damage from dental disease
- Rates go up with age
- Reimbursement rate maxes out at 80%
- They do not cover damage from dental disease
10. ASPCA Pet Insurance
Compare ASPCA PlansWhile ASPCA pet insurance might be the last option on our list, that doesn’t mean it isn’t a great choice for your pet. This is especially true if you’re looking for a pet insurance plan with decent dental insurance since all ASPCA plans cover dental disease.
Furthermore, while their regular insurance plans don’t cover routine cleanings, they do offer a wellness plan that covers these costs. The ASPCA offers affordable and customizable plans to fit your needs and budget, but it’s worth noting that not all their plans provide the best possible annual limit.
With some ASPCA pet insurance plans, it’s easy to see how you could run out of coverage with certain conditions or injuries. It’s not a bad choice, just know what you’re getting and the limitations before you sign up.
All plans cover dental disease
Very affordable plans
Optional preventative plans cover dental cleanings
- All plans cover dental disease
- Very affordable plans
- Optional preventative plans cover dental cleanings
Rates go up with age
Not all plans provide much coverage
- Rates go up with age
- Not all plans provide much coverage
Buyer’s Guide: Comparing Pet Insurance Plans for Dental
With so many great pet insurance plans and so much information out there, it can be a challenge trying to narrow it down to just one plan. We understand, and it’s why we came up with this comprehensive buyer’s guide that will walk you through everything you need to know to get the right pet insurance plan for your pet the first time.
What to Look for in Pet Insurance
With so many different aspects of pet insurance, it can be a lot to sift through. Below, we’ve highlighted everything we looked at when coming up with the ten best pet insurance companies for dental coverage!
Policy Coverage
When you’re looking at pet insurance plans, you want to know what they actually cover. We looked into all of it here, paying special attention to the dental coverage they provide.
Some dental plans only cover dental problems that arise from accidents, while others will cover both accidents and illnesses. But even with those plans sometimes they have stringent requirements to actually use this coverage.
Finally, since it’s better to avoid problems in the first place instead of treating them, we investigated which companies offer plans for routine cleanings. It’s just one part of the overall policy, but it’s a big part of it since so many pets suffer from dental issues.
Customer Service & Reputation
While most companies provide outstanding customer service and support when you’re trying to sign up for a service, sometimes they don’t apply that same level of care to those who already use their services.
Whether you have a question or want to change something on your plan, we placed a premium on a company’s customer service skills and reputation. When you need to use your plan the companies on our list make it as easy as possible, and they do a great job of breaking down any decisions they make.
Claim Repayment
When you file an insurance claim with pet insurance, you have to wait for them to reimburse you for what you already spent. Currently, the only exception to this process is Trupanion’s direct payment system, and this system only works at select vets.
The amount of time it takes for an insurance company to reimburse a claim and how easy they make the process is a huge part of our evaluation process. All the companies on our list make it easy to file for reimbursement, although some require a bit more documentation if you’re trying to file a claim for a dental illness.
Price of Policy
While you can’t judge a pet insurance policy solely on the price, it’s still a huge part of the evaluation process. The price needs to match the level of coverage you’re getting, and if you can’t afford the plan you can’t get it in the first place.
But keep in mind that the premium is just one part of the true cost of the policy. You also need to consider the reimbursement percentage and the deductible since you’ll need to pay these costs if you ever need to use the insurance.
Finally, keep in mind that most pet insurance companies will increase the rate you pay each year as your pet gets older. So, while a company like Trupanion might cost a little more in the beginning, since they don’t continue to up the rates, it might be the better option in the long run.
Plan Customization
Who knows what plan is best for you and your pet better than you? While some companies try to force customers into one size fits all plans, you typically end up paying more for coverage you don’t need or not spending enough and missing out on critical coverage.
Having the ability to customize your plan is a big deal, and it’s a big part of what we consider when we’re picking out the top plans. From optional coverages to customizable deductibles and annual limits, the more choices you have the better.
Does Pet Insurance Work Outside the United States?
While it depends on your pet insurance plan, most pet insurance policies do not work outside the United States. However, many pet insurance plans offer short-term protection for a fee if you’re traveling outside of the United States for a short amount of time.
Additionally, you can often find a pet insurance plan for the country you’re traveling to if you will be there for an extended amount of time.
Do All Pet Insurance Plans Cover Dental?
No. Not only do many pet insurance companies not provide dental coverage, those that do provide different levels of dental coverage. Some might cover everything, while others will only cover very few conditions. Because of the wide range of coverage options, it’s extremely important you look into the fine print of your policy before signing up.
How Often Should You Take Your Pet for Dental Cleanings?
Most pet insurance plans do not cover dental cleanings unless you sign up for a preventative wellness plan. Still, to prevent future dental issues for your pet, it’s a good idea to take them in for a cleaning at least once every 12 months. This will help with plaque and tartar which cause periodontal disease.
How Much Does Periodontal Disease Cost to Treat?
While taking your dog to the vet every year can be a hassle and cost a big chunk of money, periodontal disease is expensive to treat. Typically, it will cost anywhere between $500 and $1,000 to treat periodontal disease, and without treatment, it can lead to other potentially fatal conditions.
What the Users Say
For the most part, users love having pet insurance when dental problems crop up. However, there is a fair share of complaints about insurance companies not covering conditions when they come up.
But while this can be a legitimate complaint, most of the time it’s because the insurance company doesn’t cover that specific condition, or the owner didn’t keep up the necessary routine cleanings to use the coverage.
While it can be frustrating, pet insurance companies don’t want to cover a preventable condition if you don’t take the necessary steps to keep it from occurring in the first place. Read the fine print for your specific policy to figure out what they cover, and this shouldn’t be a problem for you.
Which Pet Insurance Provider Is Best for You?
There are pros and cons to all of the pet insurance companies on our list, but if you’re looking for a great combination of price and coverage, there’s a reason Pumpkin pet insurance is at the top of our list. All their plans cover both illness and accidents, which is as comprehensive as dental coverage gets without a wellness plan.
Of course, other companies have their own selling points too. For instance, Trupanion doesn’t raise its rates each year as your pet gets older, but they charge more in the beginning. Meanwhile, Lemonade pet insurance gives you tons of customization options with policy coverage.
Conclusion
The last thing you want is to wait on pet insurance only for your pet to develop a pre-existing condition so they can’t get coverage. This is why it’s important to sign up early, and with any of the pet insurance companies on our list, you can give them the protection they need.
But don’t wait too long! Otherwise, you might find your pet needs coverage when they don’t have it!
Featured Image credit: New Africa, Shutterstock
