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Why Pet Dental Insurance Matters More Than Ever
Dental disease affects over 80% of dogs and cats by age three. Without treatment, issues like gingivitis, cracked teeth, and infections can lead to serious health complications—including heart and kidney disease.
Dental insurance for pets provides financial protection and helps owners prioritize preventive care without worrying about cost.
What’s Typically Covered by Pet Dental Plans
Not all pet insurance policies include dental. Those that do usually offer coverage for:
- Routine cleanings under anesthesia
- Tooth extractions due to injury or decay
- Root canals or crowns for damaged teeth
- X-rays and diagnostics related to oral issues
- Treatment for infections of the mouth and gums
Plans often require an annual vet exam and proof of ongoing dental care to stay eligible for full benefits.
Pet Dental Insurance Providers Comparison (2025)
| Insurance Provider | Routine Cleanings | Injury Coverage | Dental Illness | Annual Limit | Waiting Period |
|---|---|---|---|---|---|
| Embrace | ✅ Yes (optional) | ✅ Yes | ✅ Yes | $5,000–$30,000 | 14 days |
| ASPCA Pet Insurance | ✅ Yes (with add-on) | ✅ Yes | ✅ Yes | $5,000–Unlimited | 14 days |
| Nationwide | ✅ Yes (Wellness) | ✅ Yes | ✅ Yes | Unlimited | 14 days |
| Figo | ❌ No routine care | ✅ Yes | ✅ Yes | Up to $15,000 | 1 day–14 days |
| Pets Best | ✅ Yes (add-on) | ✅ Yes | ✅ Yes | Varies | 3–14 days |
Not all providers include dental care in base plans—many require wellness or dental add-ons for routine coverage.
The Cost of Ignoring Pet Dental Health
Delaying dental care can lead to more expensive treatments later. Common costs without insurance include:
- Cleaning with anesthesia: $300–$700
- Tooth extraction: $200–$1,000 per tooth
- Advanced oral surgery: $1,500+
- Emergency abscess or infection treatment: $500–$2,000
A comprehensive pet dental insurance policy can significantly reduce these expenses and help you plan for the unexpected.
Trends Driving Demand for Pet Dental Coverage
Several trends are fueling growth in this sector:
- Rising veterinary costs for advanced dental treatments
- Increased humanization of pets, with owners prioritizing oral health
- More insurers offering custom wellness and dental packages
- Veterinary associations urging annual dental cleanings as preventive care
In 2025, pet dental insurance is seen as a necessity—not a luxury.
Conclusion: Give Your Pet a Healthier Future with Dental Coverage
Dental issues are painful, expensive, and largely preventable. By investing in dental insurance for pets, you’re not just protecting your wallet—you’re ensuring your dog or cat stays healthy, happy, and pain-free.
With more coverage options available than ever, now is the time to compare plans and choose one that fits your pet’s age, breed, and lifestyle.
