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Updated 2026Does Pet Insurance Cover Dental Care?
Dental disease is one of the most common health issues in dogs and cats — and one of the most misunderstood parts of pet insurance. Here's exactly what is and isn't covered.
Dental illness vs. routine cleaning
Most accident-and-illness plans cover dental illness and injury — think extractions, broken teeth, gingivitis, and periodontal disease. What they usually don't cover is routine cleaning, which is considered preventive care.
How to get cleanings covered
To get routine dental cleanings covered, you'll generally need a wellness add-on (sometimes called a preventive or routine-care plan). These cost extra but make yearly costs predictable.
Common exclusions to watch for
Pre-existing dental conditions are excluded. Some insurers also require proof of an annual dental exam to keep dental illness coverage valid — read the policy's fine print before you buy.
Frequently Asked Questions
Does pet insurance cover tooth extractions?
Yes — if the extraction is due to illness or injury and not a pre-existing condition, most accident-and-illness plans cover it.
Does pet insurance cover teeth cleaning?
Routine cleaning is typically covered only with a wellness/preventive add-on, not the base plan.
What pet insurance is best for dental?
Look for plans that explicitly include dental illness with no separate sub-limit, and offer a wellness add-on for cleanings.
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