Does pet insurance cover dental?
Almost every pet insurance policy will pay if your dog breaks a tooth in an accident. Dental illness, such as gum disease, is where policies really differ: some cover it as standard, some only if you keep up yearly dental check-ups, and some only on their higher cover levels or as an optional extra. Here's what each insurer we've read says, so you can check before your dog needs it.
What's the difference between dental accident and dental illness cover?
Dental accident cover pays if your dog damages a tooth in an accident, for example by breaking it. Dental illness cover pays for disease, such as gum disease, which builds up over time. Almost every policy covers accidents; illness is where they differ.
7 of the 9 US insurers we compare cover dental illness on every policy; 1 only on some levels or as an add-on; 1 only after an accident.
- 5Dental illness covered
- 2Covered if you keep up dental checks
- 1Only on some cover levels or as an add-on
- 1Only after an accident
From each insurer’s own policy documents, read in October 2026. See the UK version
Which insurers cover dental?
Grouped by what the policy does, with each insurer’s answer in plain English. Click an insurer’s name for everything its policy covers.
Dental illness covered
- Embrace Up to $1,000 a yearDental illness covered, up to $1,000 a year.
- PumpkinDental illness covered. Cleanings only when they treat a covered illness; cosmetic and orthodontic work isn't covered.
- SpotDental illness covered. Cleanings only when they treat a covered illness; cosmetic and orthodontic work isn't covered.
- Pets BestGum disease covered if there were no signs before cover; broken teeth from an accident covered.
- NationwideCovered unless signs such as tartar or gum disease were there before the policy or in the waiting period.
Covered if you keep up dental checks
- TrupanionDental illness and injury covered if a vet examined your dog's teeth in the 12 months before you joined and you keep up recommended cleanings. The cleanings themselves aren't covered.
- FigoDental illness covered if you follow your vet's dental advice, including a yearly dental exam. Damage from an accident is covered.
Only on some cover levels or as an add-on
- Lemonade Add-on, up to $1,000 a yearAccidents only on the base policy. Dental illness needs the Dental Illness add-on, up to $1,000 a year; routine cleaning only with Preventative+ (up to $150).
Only after an accident
- Healthy PawsOnly injury to teeth from an accident; dental health care is excluded.
Your questions answered
Does pet insurance cover dental cleaning?
Not as routine care, in the policies we read. Some insurers will pay for a clean when it's part of treating a covered dental illness, and Lemonade covers routine cleaning only with its Preventative+ package (US). Several others ask you to keep up yearly dental checks, at your own cost, before they'll cover dental illness at all, so it's worth booking them in.
Is there separate dental insurance for dogs?
Not usually. In the policies we read, dental cover is part of the main pet insurance policy rather than a separate product, although some insurers only include it on their higher cover levels or as an optional extra.
Every answer is a plain-English summary of the insurer’s own policy wording, read in October 2026. Policies change and terms can differ by plan and state, so check the policy before you buy. Each insurer’s page shows the exact section we read.
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