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Does pet insurance cover dental disease?

Short answer

Usually dental illness, rarely routine cleaning. Of the 8 policies we read, 0 name dental illness as covered and 4 cover it only with conditions. Cleanings are generally excluded unless they treat a covered illness.

Based on 8 top insurers · Updated 2026-11-09 · How we check

Dental cover, policy by policy

The label is our short reading. The wording under it comes from the policy.

  • Embrace
    Covered with conditions

    Covered, conditional: $1,000 annual sub-limit; pre-existing dental signs (tartar, plaque, gingivitis) block cover until treated; dental prophylaxis never coveredsource

  • Fetch
    Covered with conditions

    Covered as illness unless clinical signs appeared before enrollment or during the waiting period; preventive cleanings excludedp. 11

  • Figo
    Covered with conditions

    Covered, conditional on an annual dental exam and following vet advice; excluded if periodontal signs existed before start or during the waitp. 5

  • Odie
    Covered with conditions

    Covered, conditional: periodontal disease (endodontics on canine/carnassial teeth, extractions) if no prior signs; from age 3 requires an anesthetic cleaning and exam within the prior 13 months; cleanings and root planing never coveredp. 14

  • ASPCA
    Not named; handled as general illness

    Dental disease is not named as its own benefit; covered under general illness. Tooth extractions are a listed benefit; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded.p. 5

  • MetLife
    Not named; handled as general illness

    Dental disease is not named as its own benefit; covered under general illness. The sample lists 'emergency dental Treatment' only as an example and has no dental exclusion or sub-limitp. 4

  • Pumpkin
    Not named; handled as general illness

    Dental disease is not named in the policy; covered under general illness. Tooth extractions are listed; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded.p. 7

  • Spot
    Not named; handled as general illness

    Dental disease is not named in the policy; covered under general illness. Tooth extractions are listed; cleanings excluded unless treating a covered illness (Gold/Platinum preventive add-ons pay toward cleanings); aesthetic, endodontic and orthodontic work and root planing excluded.p. 6

Common questions

Does pet insurance cover teeth cleaning?+

Routine cleanings are generally excluded in the policies we read unless they treat a covered illness. Some insurers sell wellness add-ons that pay toward cleanings; that is a separate plan, not the insurance policy.

Which pet insurance names dental illness as covered?+

None of the documents we read names it as a separate benefit.

What conditions do policies put on dental cover?+

Embrace Pet Insurance, Fetch Pet Insurance, Figo Pet Insurance and Odie Pet Insurance attach conditions, such as a recent dental exam or no signs of dental disease before cover started.

This reads sample policy documents. Terms vary by state and change over time. It is not insurance or veterinary advice, and we are not an insurance agent.