Pet Dental Insurance: Coverage for Cleaning and Care

Why it’s one of the best

Fetch is a top-rated pet insurance company that offers accident and illness coverage to cat and dog owners across the U.S. and Canada. Its benefits include Fetch Forward, a tool that leverages a vast database of clinical health data to forecast potential health issues in pets based on their breed, age, and location to provide personalized insights and proactive health tips. Fetch also offers virtual vet visit coverage and coverage for boarding fees.

What type of dental coverage does it offer?

Traditional medical plans through Fetch cover new dental injuries and diseases. Fetch also covers every tooth—not just canines—and periodontal disease, the most common disease for dogs and cats. To maintain coverage, your pet will need an annual dental exam. Fetch offers an option wellness plan that covers annual dental cleanings so you can be proactive about your pet’s dental health and catch dental diseases early on.

Fetch offers medical plans with annual deductibles of $300, $500, or $700, and reimbursement of 70%, 80%, or 90%. Annual coverage limits are either $5,000, $10,000, or $15,000.

Why it’s one of the best

Lemonade doesn’t require a dental exam for coverage. It offers pet insurance with comprehensive dental coverage, making it a top choice for pet parents seeking affordable premiums. Available in most U.S. states, Lemonade insures pets from as young as eight weeks.

What type of dental coverage does it offer? 

Lemonade covers dental illnesses and accidents, such as periodontal disease, tooth extractions, and fractures. Routine dental care, including cleanings and check-ups, can be included in an optional preventive care package.

Lemonade’s policies have a base annual deductible ranging from $100 to $500, with annual reimbursement limits between $5,000 and $100,000. Pet owners can select a reimbursement rate of 70%, 80%, or 90% for covered dental expenses.

Why it’s one of the best

Dog and cat parents can get injury, illness, and wellness protection for their pets through Embrace, a top-rated pet insurance company. You can purchase plans from anywhere in the U.S. for pets as young as six weeks.

What type of dental coverage does it offer?

Embrace will cover your pet’s accident- or illness-related dental care each year, with no dental exam required. This includes extractions, root canals, broken teeth, and crowns. Dental illness coverage is allowed for up to $1,000 in care per year, and you get dental accident coverage up to your policy’s overall limit.

Medical plan deductibles range from $200 to $1,000 per year, with annual reimbursement limits of $5,000 to $30,000. You can choose a reimbursement percentage of 70%, 80%, or 90% of your pet’s covered care expenses.

Pet owners can add the Embrace wellness plan to their coverage for an additional cost. It provides reimbursement for routine dental expenses, including exams, cleanings, and teeth brushing, as well as supplies such as dental chews, toothbrushes, and toothpaste.

Why it’s one of the best

Pet insurance coverage through Spot is customizable and reliable. The company that underwrites Spot policies has offered insurance coverage for over a century. Pet owners can choose between an accident and illness or an accident-only policy.

What type of dental coverage does it offer?

An accident and illness policy covers dental injuries and illnesses, and an accident-only policy just covers dental injuries. Routine dental care—which includes dental cleanings—is available with the optional purchase of a preventive plan. 

Deductibles range from $100 to $1,000; reimbursement is available for 70%, 80%, or 90% of covered care costs. Choose from $2,500, $4,000, $5,000, $7,000, $10,000, or unlimited for your annual coverage limit. Spot has no per-incident or lifetime limits on covered care, and plans are available for pets as young as eight weeks.

Why it’s one of the best

One of the first pet insurance providers in the U.S., ASPCA has offered pet insurance coverage since 1997. Since then, it’s processed more than 1.6 million pet insurance claims.

What type of dental coverage does it offer?

ASPCA pet insurance is available as a full coverage plan as well as an accident-only or preventive care add-on. The full coverage plan covers dental illnesses and accidents. You can also buy coverage for routine care, starting at just $9.95 per month, which includes dental cleanings.

The cost of ASPCA pet insurance depends on your pet’s age, breed, location, and the plan options you choose when building the policy. You can choose deductibles of $100, $250, or $500; reimbursement coverage can range from 70% to 90% of a covered expense. A higher reimbursement amount will mean higher premiums. 

Coverage limits range from $2,500 per year to unlimited coverage.