Does Pet Insurance Cover Dental for Dogs and Cats?
Dental disease is one of the most common health problems in both dogs and cats — and one of the most commonly misunderstood when it comes to insurance. Some plans cover it fully, others not at all. This guide explains exactly what pet insurance covers for dental in 2026.
What’s in this guide
The two types of dental cover
| Type | What it means | Cover |
|---|---|---|
| Dental accident | Broken or knocked-out tooth from injury | Covered on most plans |
| Dental illness | Periodontal disease, gingivitis, extractions | Varies — check the plan |
Dental illness cover — the one to check
This is where insurers differ. The best comprehensive plans cover dental disease: periodontal disease, infected teeth, extractions. Others cover only accidental damage. And some that do cover dental illness require you to prove your pet had regular professional cleanings — skip those and a claim can be denied. If dental cover matters to you, read this clause carefully before buying.
Dental accident cover
Almost universal. If your pet breaks a tooth on a bone or in an accident, the treatment is covered like any other injury (after deductible and waiting period). This is the easy, standard part of dental cover.
What dental treatment costs
| Treatment | Typical cost |
|---|---|
| Professional cleaning (routine) | $300–$700 |
| Extractions | $500–$1,500 |
| Advanced periodontal treatment | $1,000–$3,000 |
| Broken-tooth repair | $500–$2,500 |
Note: routine cleanings are usually only covered under a wellness add-on, not standard illness cover. More on what’s covered here.
Breeds that especially need dental cover
Small dogs and toy breeds (Yorkshire Terriers, Dachshunds) and certain cats are highly prone to dental disease — crowded mouths mean more problems. For these, a plan that includes dental illness is well worth it. See our Yorkshire Terrier guide for a breed where dental cover really pays off.
Frequently asked questions
Does pet insurance cover dental?
It depends on the plan. Dental treatment from accidents (a broken tooth) is covered on most plans. Cover for dental illness (disease, extractions) varies — always check.
Does it cover teeth cleaning?
Routine professional cleanings are usually only covered under a wellness/routine-care add-on, not standard accident-and-illness cover.
Does insurance cover tooth extractions?
On plans that include dental illness, yes — if the disease was not pre-existing and any cleaning requirements were met. On accident-only dental cover, no.
Why was my dental claim denied?
Often because the plan covers only dental accidents (not disease), the condition was pre-existing, or the insurer required proof of regular cleanings that weren’t done.
Which pets most need dental cover?
Small and toy breeds (Yorkies, Dachshunds) and certain cats are very prone to dental disease, so a plan including dental illness is especially worthwhile for them.
This guide is for general educational purposes and is not financial advice. Always read the full policy terms before purchasing.
