Dental health is an essential part of your dog’s overall well-being, yet many pet owners overlook it until a costly vet bill arrives. Dental treatments for dogs can be surprisingly expensive, ranging from routine cleanings to complex surgeries for broken teeth or gum disease. The big question is: Does your dog insurance plan cover dental care? Let’s break down what dog dental insurance typically includes, what it doesn’t, and how to ensure your furry friend gets the best dental care possible without breaking the bank.
Why Dog Dental Care Is Important
Dental issues in dogs don’t just cause bad breath—they can lead to serious health problems, including:
✔ Tooth decay and infections that may require extractions.
✔ Gum disease (periodontal disease), which affects nearly 80% of dogs by age three.
✔ Difficulty eating, pain, and behavioral changes due to oral discomfort.
✔ Heart, liver, and kidney disease linked to bacteria from untreated dental infections.
Without proper care, your dog’s dental health can decline quickly, leading to unexpected and expensive vet bills.
Does Dog Insurance Cover Dental Treatments?
Most comprehensive pet insurance plans offer some level of dental coverage, but the extent varies. Dog dental insurance typically falls into two categories:
1. Coverage for Dental Accidents & Injuries
Most standard dog insurance policies cover dental injuries caused by accidents, such as:
✅ Broken or fractured teeth from chewing on hard objects.
✅ Trauma from falls or car accidents.
✅ Jaw fractures requiring surgery.
Example Cost Without Insurance:
- Tooth extraction for a broken tooth: $500–$1,500
- Root canal treatment: $1,500–$3,000
How Insurance Helps: Most accident coverage includes necessary dental procedures, helping you avoid major out-of-pocket costs.
2. Coverage for Dental Illnesses
Some pet insurance plans cover dental illnesses like:
✅ Gum disease (periodontal disease).
✅ Tooth infections and abscesses.
✅ Stomatitis (inflammation of the mouth).
Example Cost Without Insurance:
- Treatment for periodontal disease: $700–$2,000
- Tooth infection treatment: $500–$2,500
However, not all pet insurance policies cover dental diseases, so it’s essential to read your policy carefully.
3. Coverage for Routine Dental Cleanings
Routine dental cleanings are crucial for preventing gum disease, but most pet insurance policies do NOT cover them under standard accident and illness plans.
Average Cost of a Dental Cleaning:
- Without anesthesia: $200–$500
- With anesthesia: $500–$1,200
How to Get Coverage: Some insurers offer wellness add-ons that cover routine dental care, including cleanings and exams.
What’s Usually NOT Covered?
🔴 Pre-existing Dental Conditions: If your dog already has a dental issue before you sign up, it won’t be covered.
🔴 Routine Cleanings (Unless in a Wellness Plan): Regular check-ups and cleanings are usually considered preventive care.
🔴 Cosmetic Procedures: Teeth whitening or non-medically necessary extractions aren’t covered.
🔴 Chewing Damage from Normal Wear & Tear: If your dog breaks a tooth from chewing on a bone, some policies may exclude coverage.
How to Choose the Best Dog Dental Insurance
To get the best coverage, follow these steps:
✔ Look for Plans Covering Dental Illnesses: Some insurers only cover accidents, so choose one that includes diseases like periodontal disease.
✔ Check if Cleanings Are Covered: If you want routine care included, look for a wellness add-on.
✔ Understand the Waiting Periods: Many insurers require a 6 to 12-month waiting period for dental illness coverage.
✔ Choose a High Reimbursement Rate: Plans that cover 80% to 90% of costs can save you thousands on major dental procedures.
Best Pet Insurance Providers for Dental Coverage
🔗 Healthy Paws – Covers dental injuries but NOT illnesses.
🔗 Embrace Pet Insurance – Covers dental illnesses up to $1,000 per year.
🔗 ASPCA Pet Health Insurance – Covers dental disease and offers preventive care add-ons.
🔗 Spot Pet Insurance – Offers wellness plans that cover routine cleanings.
Final Thoughts: Is Dog Dental Insurance Worth It?
If you want full protection for your dog’s teeth, choose a pet insurance plan that covers both accidents and illnesses—and consider adding a wellness plan for routine cleanings. Given that dental issues are among the most common (and costly) pet health concerns, having insurance can save you thousands while keeping your dog happy and healthy.
Would you like help finding a plan that covers your dog’s dental needs? Let me know, and I’ll guide you to the best option!
