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Does Pet Insurance Cover Dental Problems?

Written by: Z


Z is a Special Project Coordinator of HomeLife Media and a writer for She has 3 dogs namely Skye, Luna, and one of them is a rescue, named Tesla.Read more
| Published on August 24, 2023

Pet ownership comes with a plethora of responsibilities, including ensuring the well-being of your furry companions. Just like humans, pets can also experience health issues, and dental problems are among the most common. From dental cleanings to extractions and more serious oral health concerns, the costs associated with pet dental care can add up quickly. This raises the question: does pet insurance cover dental problems? In this article, we’ll explore the intricacies of pet insurance and its coverage when it comes to dental issues in your beloved animals.

The Importance of Dental Health in Pets

Maintaining proper dental health in pets is essential for their overall well-being. Dental issues can lead to pain, discomfort, difficulty eating, and even more severe health problems if left untreated. Regular dental care, including routine cleanings and check-ups, is crucial to prevent the buildup of plaque and tartar, which can contribute to gum disease and tooth decay in pets. As responsible pet owners, it’s our duty to ensure that our furry friends receive the necessary dental care to lead healthy and happy lives.

Related: Where can I find the most inexpensive pet insurance?

Types of Dental Problems in Pets

Before delving into the specifics of pet insurance coverage, let’s take a look at the common types of dental problems that pets can experience:

  1. Gingivitis and Periodontal Disease: These conditions involve inflammation of the gums and can progress to affect the structures that support the teeth. Gingivitis and periodontal disease are prevalent in pets and can lead to pain, tooth loss, and systemic health issues if not addressed.
  2. Dental Trauma: Accidents or injuries can cause dental trauma, such as fractured or broken teeth. This not only leads to discomfort but can also expose the sensitive inner parts of the tooth to infection.
  3. Tooth Decay: Just like humans, pets can experience tooth decay due to a poor diet or inadequate dental hygiene. Decayed teeth may require extractions to prevent further complications.
  4. Abscesses: Dental infections can lead to the formation of abscesses, which are pockets of pus that develop around the root of a tooth. Abscesses can be extremely painful and may require immediate attention.
  5. Malocclusions: Some pets may be born with misaligned jaws or teeth, causing malocclusions. These misalignments can lead to difficulty eating and increased risk of dental issues over time.

Understanding Pet Insurance Coverage

Pet insurance is designed to help alleviate the financial burden of unexpected veterinary expenses, including those related to dental problems. However, the extent of coverage can vary widely based on the insurance provider, the specific policy you choose, and any optional coverage you might add.

**1. Routine Dental Care: Most standard pet insurance policies do not cover routine dental care, such as regular cleanings and check-ups. This is because routine dental care is considered a part of responsible pet ownership and is expected to be budgeted for by the pet owner. However, some comprehensive or premium policies might include a limited coverage amount for preventive dental procedures.

**2. Accident and Illness Coverage: The majority of pet insurance plans focus on providing coverage for accidents and illnesses. This means that if your pet experiences a dental issue due to an accident, injury, or illness, the associated veterinary expenses, including dental treatments, may be covered. For instance, if your pet breaks a tooth while playing, the cost of treatment for that injury could be eligible for reimbursement.

**3. Coverage for Dental Procedures: While some pet insurance policies include coverage for dental procedures, it’s important to understand the specifics. Major dental procedures such as extractions, root canals, and treatment for oral infections might be covered, but there could be limitations on the coverage amount or requirements for pre-approval. It’s advisable to review the policy terms carefully to determine the extent of coverage for such procedures.

**4. Exclusions and Waiting Periods: Like any insurance, pet insurance policies come with exclusions and waiting periods. Exclusions are specific conditions or situations that the policy does not cover. Pre-existing dental conditions are typically excluded from coverage. Waiting periods are the time frames during which coverage for certain conditions doesn’t apply after you purchase the policy. This means that you can’t buy insurance after a diagnosis is made and then immediately claim coverage for that condition.

**5. Optional Add-Ons: Some pet insurance providers offer optional add-ons or riders that can enhance dental coverage. These might include coverage for routine dental care, teeth cleaning, and more extensive dental procedures. Adding these options to your policy could provide more comprehensive dental coverage for your pet.

Next Step: Compare the best pet insurance carriers here


In the quest to provide the best care for our four-legged companions, understanding the nuances of pet insurance coverage for dental problems is essential. While routine dental care is typically not covered, comprehensive accident and illness policies can offer some relief for unexpected dental issues arising from accidents or illnesses. Coverage for dental procedures may also be available, but it’s important to review policy terms, exclusions, waiting periods, and any optional add-ons to ensure that your pet’s dental health needs are adequately addressed.

As a responsible pet owner, proactive dental care should remain a priority. Regular dental check-ups, proper dental hygiene practices, and a balanced diet can go a long way in preventing serious dental problems in your pets. While pet insurance can provide financial assistance during times of need, your pet’s overall dental health largely depends on your dedication to their well-being.

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