Does Pet Insurance Cover Dental: Unveiling the Importance and Options

Taking care of your pet goes beyond cuddles and playtime. One essential aspect often overlooked is their dental health.

Just like humans, pets can face problems like gum disease and tooth pain.

an image illustration of Does Pet Insurance Cover Dental: Unveiling the Importance and Options
Does Pet Insurance Cover Dental: Unveiling the Importance and Options


In this article, we’ll delve into the world of pet insurance to answer a crucial question: Does Pet Insurance Cover Dental?

Let’s navigate through the details to ensure your furry friend’s smile stays as bright as their spirit.

The Financial Side

Ensuring the well-being of your pet’s dental health entails a financial commitment that shouldn’t be underestimated.

The expenses associated with pet dental care exhibit a considerable range, with costs for a routine cleaning falling between $200 and $500.

However, when faced with more intricate dental procedures, such as a root canal, the financial burden can escalate significantly, reaching as high as $6,000.

The diversity in costs is influenced by various factors, including the specific type and severity of the dental issue your pet is grappling with, as well as the geographical location where veterinary services are sought.

It is imperative to recognize that the investment in your pet’s oral health is multifaceted, encompassing not only the nature of the dental problem but also the geographical context in which their care is administered.

Navigating Pet Insurance

Pet insurance can be a lifesaver, but not all policies cover dental issues.

It’s crucial to examine dental benefits when comparing plans.

For instance, while OVMA Pet Health Insurance covers both dental accidents and illnesses, Spot only covers dental damage resulting from accidents.

What’s Under the Dental Coverage Umbrella

Dental coverage in pet insurance plans typically falls into two categories: accidents and illnesses.

This includes various issues like :

  • crowns
  • damaged teeth
  • gingivitis
  • gum disease
  • root canals
  • stomatitis
  • teeth removal.

Who Covers What

Several Canadian pet insurance companies cover dental accidents, but some go the extra mile by including coverage for diseases and illnesses.

Notable providers include OVMA Pet Health Insurance, Fetch By The Dodo, Trupanion, Petsecure, Sonnet Pet Insurance, The Personal Pet Insurance Program, and Desjardins Pet Insurance.

Understanding Coverage Limits

Dental insurance coverage comes with limits, ranging from $200 to $1,000 annually.

For example, Sonnet covers dental accidents and illnesses, including cleanings, up to policy limits, while Trupanion offers unlimited coverage for dental illness and accidents (excluding cleanings).

Exclusions to Keep in Mind

Pet insurance commonly excludes certain services from coverage.

These exclusions encompass cosmetic, endodontic, and orthodontic procedures, along with routine dental care.

Additionally, pre-existing conditions are not covered by most pet insurance plans.

It’s essential to be aware of these exclusions when considering and selecting a pet insurance policy to ensure you understand the scope of coverage provided.

Affordable Pet Dental Care Strategies

  1. Compare Policies: Pet insurance policies vary, so carefully compare them to find the right one for you. Consider your needs—whether you want coverage for preventive care, accidents, or both.
  2. Practice Preventive Care: Detecting early signs of periodontal disease is vital. Start by brushing your pet’s teeth at home or explore alternatives like chew toys and dental treats.
  3. Wellness Plans: Adding a wellness plan to your policy may increase costs but can offset expenses for dental cleanings.
  4. Consider Financing: Companies like Petcard offer veterinary financing to cover part or all of your dental bill, with flexible repayment terms.
  5. Set Savings Aside: Every pet insurance plan comes with deductibles and co-insurance percentages. Prepare by setting aside money to manage veterinary bills more effectively.


Understanding the ins and outs of pet insurance coverage for dental issues is crucial for responsible pet ownership.

By taking preventive measures and exploring suitable insurance options, you can ensure your pet’s dental health without breaking the bank.


Q: Does pet insurance cover dental cleanings?

A: It depends on the insurance plan. Some cover routine cleanings, while others may not include them. Review your policy for details.

Q: Which pet insurance plans include dental accidents?

A: Not all plans cover dental accidents. Check with your insurer to see if your policy includes protection for accidents involving your pet’s teeth.

Q: Do all insurers cover dental illnesses in pets?

A: No, coverage for dental illnesses varies. Some insurers include it, while others may not. Be sure to examine the terms of your pet insurance policy.

Spread the love