Does pet insurance cover dental care?

It's not common for pet insurance providers to offer standalone dental insurance coverage. However, comprehensive, accident-only, or wellness pet plans may cover some dental procedures. For instance, pet wellness plans may cover routine teeth cleanings, while comprehensive pet insurance plans may cover serious dental conditions, such as periodontal disease.

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How to look for pet insurance that covers dental

While pet dental insurance isn't a typical offering, look for pet insurance plans that cover dental care under comprehensive, accident-only, and routine/preventative care coverage:

  • Comprehensive plans typically cover accidents and illnesses — so unless there are dental exclusions to the plan's coverage, care for dental-related accidents and illnesses should be covered. Note that for dental coverage to apply, your pet may need to meet certain qualifications before enrollment and keep up with regular teeth cleanings.
  • Accident-only plans may cover dental issues caused by an accident, such as broken teeth, but not diseases or illnesses.
  • Routine/preventive care plans, also known as wellness plans, may provide dental cleaning coverage and coverage for checkups to help prevent disease and catch issues early.

Pro tip:

Dental issues often don't occur until a dog gets older. And cats are very independent, making it harder to tell if they're suffering from a dental disease. Having wellness coverage in place now can help you stay prepared for common illnesses like gingivitis and periodontal disease, which can cost hundreds if not thousands of dollars to treat.

Does pet insurance cover teeth cleaning?

Teeth cleaning is considered a preventative or routine care procedure, and whether it's covered or not will depend on your insurer and policy. Progressive Pet Insurance by Companion Protect covers routine dental cleaning through its wellness plan.

Are there any gaps in dental coverage with pet insurance?

Potentially. Remember to always read the fine print on your pet insurance policy to understand exactly what's covered. For example, with an accident-only plan, a tooth extraction is likely only covered if it was necessitated by a physical accident.

Important note: Pet insurance plans generally won't cover dental conditions your pet had prior to your policy's start date, as they would be considered pre-existing conditions.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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Progressive Advantage Agency, Inc. refers consumers seeking Progressive® Pet Insurance to Companion Protect and to ORIC for such coverage. Neither Companion Protect nor ORIC is affiliated with Progressive.

“Progressive Pet Insurance” is administered by Companion Protect Agency, LLC, a licensed insurance agency known nationwide (except in CA) as “Companion Protect Agency, LLC” (Iowa license #1002314428) (FL License # L106403); in California, it is known as “CP Pet Insurance Services, LLC” (CA license #0N14138). It is located at 11460 Tomahawk Creek Parkway, Ste 300, Leawood, KS 66211. Companion Protect receives a commission on policies underwritten in this program. Premium is paid monthly in advance of coverage. A service or payment fee may also apply if premium is paid by credit/debit card. (See your billing statement.) A deductible and copay are applied to claims. Policyholders have the option of an annual coverage benefit of $5,000, $10,000, or $20,000. You can cancel coverage at any time; a pro-rated refund may apply. For a copy of Companion Protect’s privacy policy, please visit your customer portal at progressive-my.petscovered.com.

The insurer of this program is Old Republic Insurance Company (“ORIC”). This description of the pet insurance coverage provided by ORIC is for informational purposes only. No representation is made with respect to coverage in any specific fact, situation, or circumstance. Companion Protect underwrites and adjusts claims on behalf of ORIC under this program. ORIC’s program administered by Companion Protect is not offered by or sponsored by Companion Life Insurance Company or its affiliated companies.

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Progressive Advantage Agency, Inc. (PAA) refers consumers to Pets Best Insurance Services, LLC who offer and administer pet insurance coverages underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company, a Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254. Pets Best (CA agency #0F37530) is a licensed insurance agency located at 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details. Pets Best and the insurers are not affiliated with Progressive.

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PAA receives compensation from Pets Best that may vary based on the policy you buy. Call Progressive at 855-347-3139 for more details.

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout.

Price, coverage, and coverage terms and conditions may vary between insurers. Coverage and discounts may not be available in all states and situations. Eligible expenses and coverages may vary, depending on your plan selection. All coverage is subject to policy terms and conditions.