Best Dog Dental Insurance Plans of October 2021

Lisa Scott

A healthy mouth is a major key to your dog’s overall health. Dental insurance plans for your dog help you prepare for the unexpected and ensure your dog’s teeth are in great shape throughout their life. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

Overview

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 pumpkin.care/insurancepolicy. 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 pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

Overview

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 dog dental insurance worth it?

There are many types of dental problems a dog may experience throughout their life. Though regularly brushing your dog’s teeth can help avoid certain dental issues, there may be some unexpected ailments you will need to visit a vet to treat.

Dental problems in dogs are not always obvious at first. If they are developing problems without exhibiting any symptoms, the issue may develop into something serious that requires vet intervention. Visits to the vet for corrective dental procedures can get expensive fast. Dental insurance is a great way to prepare for these unexpected issues and help you afford any treatments and procedures needed to get your dog’s teeth healthy again.

Overall, dental insurance coverage for your dog is a great choice regardless of their age or breed. Even one dental procedure can get to be very expensive, and having insurance to reimburse you for these pricey treatments will allow you to spend necessary funds on your dog’s treatment.

What does dog dental insurance cover?

Dental insurance coverage varies widely by the provider. Some insurance providers include dental procedures as part of their overall pet insurance package coverage. Others may offer it as part of a larger wellness plan, or a separate policy altogether. Dental insurance covers a range of illnesses and injuries, including:

  • Tooth extractions: Removing a tooth that may be infected, decayed, or a dead tooth.
  • Dental fractures: Injuries related to trauma on the face that affects the teeth.
  • Gingivitis and periodontal disease: Infections of the gums and progression of the disease.

Most pet dental insurance plans do not cover routine cleanings and preventive dental procedures. Most likely, you will either need to pay for those treatments out of pocket, or get coverage from an overall dog wellness plan that covers preventive and routine care.

How are dog dental insurance premiums determined?

Similar to illness or injury pet insurance, dog dental insurance providers take a few different factors into consideration to determine your monthly premium.

  • Age: Your dog’s age will factor into your overall monthly premium. Typically, older dogs cost more monthly due to them being more likely to fall victim to illness and injury.
  • Breed: Dog breeds that are more susceptible to dental issues are likely to require a higher monthly premium for dental coverage.
  • Coverage type: Depending on what treatments and procedures your insurance provider covers, your monthly premium will vary. Sometimes, different dental treatments’ coverage will be included as separate add-ons to a general pet insurance policy, allowing you to pick and choose certain coverage options you are more likely to take advantage of, and pay for each individually.
  • Coverage terms: Your co-pay amount, yearly deductible, and the percentage of reimbursement outlined in your dental insurance coverage terms will contribute to your expected overall monthly premium.

Depending on whether your dog’s dental coverage is part of a larger illness and injury insurance coverage plan, wellness plan, or a separate plan altogether, your monthly premium payments can vary greatly.

How to choose the best dog dental insurance plan?

There are a few things you will want to keep top of mind as you navigate choosing the best dental plan for your dog. Here are some things to consider:

  • Determine your dog’s needs: Does your dog’s breed tend to have a certain type of dental issue in their adult years? Or do you anticipate your dog needing a certain procedure down the line? You want to make sure these kinds of necessary treatments and procedures are covered by your dental insurance plan.
  • Make sure your dog qualifies: Before you move forward with any specific dental insurance plan, you will want to ensure your dog qualifies for coverage. Some insurance providers have limits on dog breeds, location, and age that will disqualify you from coverage.
  • Compare available plans: Once you’ve picked out a few plans that your pet qualifies for, you will want to compare what each plan has to offer. Different insurance providers will vary greatly in what treatments and procedures are covered under their plan and how they handle claims processing and reimbursements.
  • Read the reviews: Before you decide on your dog’s dental insurance plan, be sure to read customer reviews and see what those who have their coverage have to say. You can get a good idea of what to expect in terms of how claims are processed, whether they dispute claims often, and their overall customer service processes. We’ve also written a review on certain providers that can be helpful for you to decide on which insurer to go with.