Best Pet Dental Insurance Plans of 2022

Lisa Scott

Taking care of your pet’s teeth is just as important as any other type of medical treatment. Pet dental insurance helps you take care of your pet’s teeth and smile, and allows you to afford the treatments they need. 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 pet dental insurance worth it?

When we think of our pet’s health, we may not often think about their dental health as a priority. However, many serious issues pets can experience throughout their life can stem from dental problems.

Most dental issues pets experience can often go unnoticed for a long period of time. Many times, it is not until the dental issues have progressed significantly that owners recognize the issue and seek treatment. By then, the severity may have progressed to where it requires serious treatment to be able to fix. In the most severe cases, these dental issues can progress to a point where they begin to cause irreversible damage to other parts of their body.

Keeping up with your pet’s dental health requires consistent vet visits, including wellness checks and teeth cleanings to make sure their mouth is healthy. However, regular visits can be expensive, and many owners may not be able to afford dental procedures along with other illness and injury coverage.

Pet dental insurance makes it easier for owners to afford dental treatments to be able to prioritize their pet’s dental health. Taking advantage of these plans give you the ability to care for your pet fully, helping them live a longer and healthier life.

What does pet dental insurance cover?

Pet dental insurance coverage depends on the overall pet insurance plan. Many insurance plans offer coverage for illness-only treatments, injury-only treatments, or a combination of the two. Included in these plans are options for dental treatment.

For specifically dental insurance coverage, many plans cover the following:

  • Damaged teeth: Treatment for teeth that have been damaged, including fractures or breaks as a result of an injury are often covered under pet dental insurance plans.
  • Gingivitis and gum disease: A common issue that plagues many pets of all species, gingivitis and gum disease treatments are often treated under pet dental plans.
  • Root canals and crowns: Root canals, crowns, tooth removals and other procedures to fix teeth that have been damaged or destroyed following an illness are usually covered.

Depending on whether you have an illness-only, injury-only, or combination plan, you will also be covered for dental issues that come as a result of these unexpected circumstances.

Most pet dental insurance plans do not cover routine or preventive care. This includes teeth cleanings or cosmetic procedures. Additionally, they often do not cover any pre-existing conditions your pet may have. To get coverage for routine or preventive dental care, you will need to take advantage of a wellness plan, which is often offered in addition to your pet insurance coverage.

How are pet dental insurance premiums covered?

Insurance premiums are determined based on a number of factors specific to your pet as well as the dental coverage you are getting under your plan. These circumstances include:

  • Age: The older some pets get, the more likely they are to experience lasting dental issues that require lots of treatment. Older pets will generally have a more expensive monthly premium.
  • Species: The type of pet (cat, dog, etc.) you have will contribute to your overall premium, as some pets are more likely to need more frequent dental treatments throughout their life than others.
  • Breed: Some breeds are more susceptible to dental issues than others. Breeds that are more likely to experience dental issues will have a higher monthly premium for coverage.
  • Pet insurance plan details: Insurance plans that only cover injury or illness treatments are less expensive than combination plans. Additionally, if you take advantage of any add-ons, such as coverage for teeth cleanings, you can expect to pay a higher monthly premium.

Additionally, the specifics of your plan will influence your monthly premium, including the reimbursement percentage included, your yearly deductible amount, and the coverage cap of your overall plan.

How to choose the best pet dental insurance plan

You have a lot to consider when deciding on the best dental insurance plan for your pet. Here are some important things to keep in mind as you are searching for the right plan:

  • Consider your pet’s unique needs: Your pet’s species, breed, age, and overall medical history will contribute to the types of treatment they may need throughout their life. Be sure that your chosen dental insurance plan covers your pet’s needs.
  • Compare available options: When you’ve come up with a few good options, compare what specific dental treatments and procedures are covered. Just because a plan is cheap does not mean it is the best plan – it may not have everything your pet will need for a healthy mouth.
  • Read customer reviews: Take a look at what customers who have purchased your future pet dental insurance plan have to say about it. See how the insurance provider handles claims processes and customer service. Also, take a look at our review on pet insurance providers, which may be helpful for you.
  • Confirm your provider is trustworthy: Review your provider’s accreditations and trustworthiness through ratings from trusted organizations like the Better Business Bureau.