Best Cat Dental Insurance Plans of 2022

Lisa Scott

Making sure your cat is covered for all dental procedures and treatments is critical to their health. Finding a good dental insurance plan for your cat is a great way to ensure their teeth are always in great shape. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Is cat dental insurance worth it?

When we think of our cats getting sick, dental problems are not typically the first thing that comes to mind. The fact is, though, there are many dental problems cats can experience in their lifetime that can lead to significant health issues in the future. This is why it is crucial to take your cat for regular check-ups and ensure their teeth get checked out during this process.

Having a better idea of your cat’s dental health will help you identify problems earlier to treat them more effectively. Though critical, taking your cat for dental treatments and procedures can add up quickly. This is why it is helpful to have dental insurance coverage for your cat. With insurance coverage, you can ensure your cat gets the dental attention it needs without having to debate whether or not you can afford it.

Dental insurance coverage for your cat gives you the peace of mind that your cat’s dental health is cared for. It’s an important part of your cat’s holistic health and will prevent them from experiencing severe medical issues down the road.

What does cat dental insurance cover?

Policy providers offer different dental insurance plans that cover various dental treatments and procedures. Some providers may offer separate plans that include accident-only dental coverage, illness-only dental coverage, or a combination of the two. Depending on the policy provider, you may be covered for a range of dental procedures, including:

  • Tooth extractions: Any broken or damaged teeth that may need to be removed may be covered under a dental insurance plan.
  • Dental caps: Advanced dental procedures, such as dental caps, can be covered.
  • Fractured tooth or jaw treatment: Some injuries may cause your cat to have a fractured jaw or tooth, which requires medical treatment to fix.
  • Dental procedures: Root canals and other treatments that may require anesthetics may be covered by a cat dental insurance policy.

Coverage for these dental procedures can help you avoid common serious dental issues pets may experience later in life, including periodontal disease or stomatitis. Most cat dental insurance providers offer treatments related to any dental issues that are hereditary or caused by an illness. However, most policies will not cover any pre-existing conditions that were present before you got dental insurance coverage for your cat. Additionally, many policies will not cover regular teeth cleanings either.

How are cat dental insurance premiums determined?

Your cat’s unique characteristics, combined with your insurance provider and what they have to offer, will help you determine your dental insurance plan’s premium. Details that affect your premium include:

  • Age: Your cat’s age will affect the monthly premium set. If you have an older cat, you may be required to pay more money monthly for coverage.
  • Breed: Some cat breeds are more likely to develop serious dental issues as opposed to others. If your cat’s breed is more susceptible to certain dental diseases or illnesses, you can expect to pay more for dental coverage.
  • Plan details: The procedures and types of coverage included in your cat’s dental plan will contribute to your overall monthly premium. Plans that offer more complex procedures and treatments are likely to cost more than those that offer basic coverage.
  • Coverage options: Your dental insurance plan’s yearly deductible, reimbursement percentage, and coverage cap will contribute to how much you are expected to pay monthly.

How to choose the best cat dental insurance?

There are plenty of cat dental insurance plans available to choose from, but how do you know which one is the best for your cat? Taking a few different details and considerations into account, you can find the right plan for you and your cat:

  • Consider your cat’s needs: Your cat may be more likely to develop certain dental issues and conditions or are more susceptible to certain illnesses or injuries that can result in dental issues. Consider what types of procedures your cat may need in the future based on their breed, age, and overall health to determine a plan that will adequately meet your cat’s needs.
  • Determine what you want for coverage: There are many options available regarding cat dental plan deductibles, reimbursements, and overall coverage caps. You will want to determine your expectations for coverage to help you decide on the right plan for you.
  • Read the reviews: Before landing on a plan, review what customers who have plans under the insurance provider you are considering have to say about the plan. You will want to know how they handle and process claims and how they treat their customers overall. Additionally, take a look at whether your insurance provider has any accreditations from trusted groups like the Better Business Bureau. We’ve also written a review on certain providers that can be helpful for you to decide on which insurer to go with.