Dental disease affects 70-80% of pets over age 3. Tooth extractions run $500-1,500 per tooth. Most pet insurance covers dental illness — but the depth of that coverage varies significantly by insurer.
Pet insurance dental coverage comes in three categories. Understanding which is which prevents expensive surprises at claim time.
| Insurer | Dental illness | Coverage depth | Annual limit |
|---|---|---|---|
| Fetch | Full mouth | All adult teeth, gums, periodontal disease, oral tumors, dental trauma | Up to policy limit |
| ASPCA | Comprehensive | Periodontal disease, dental illness, oral trauma, gingivitis | Up to policy limit |
| Embrace | Covered | Periodontal disease, extractions, dental illness | $1,000/year |
| Pumpkin | Covered | Dental illness covered under illness policy | Up to policy limit |
| Spot | Covered | Dental illness covered under illness policy | Up to policy limit |
| MetLife | Covered | Dental illness and periodontal disease | Up to policy limit |
| Lemonade | Limited | Dental accidents, some illness — periodontal disease coverage varies | Varies |
| Healthy Paws | Accident only | Dental accidents only — periodontal disease excluded | N/A |
| Trupanion | Accident only | Dental injuries covered — periodontal disease generally excluded | N/A |
Fetch stands out: Fetch is the only major insurer offering full-mouth dental coverage — all adult teeth, gums, periodontal disease, and oral tumors — up to the policy's annual limit, not a separate dental sub-limit. For cats or dogs with significant dental needs, this is a meaningful advantage.
Covers all adult teeth and gums — periodontal disease, oral tumors, dental trauma, tooth fractures — up to the policy's annual limit with no separate dental sub-limit. Also covers behavioral therapy and telehealth in the base policy. The 6-month orthopedic wait is the main drawback for large breed dogs.
Strong dental illness coverage including periodontal disease, with a 14-day orthopedic waiting period — better than Fetch for breeds with orthopedic risk. No upper age limit. Lower premiums than Fetch for comparable coverage.
Covers dental illness up to $1,000 per year — adequate for routine extractions but may fall short for extensive periodontal work. The diminishing deductible and curable pre-existing condition clause add long-term value beyond the dental coverage.
For cats especially: Dental disease is the most common health issue in cats over age 3. Fetch's full-mouth coverage and ASPCA's comprehensive dental inclusion make both strong choices for cat owners where dental costs are a primary concern.
Paste your pet's vet records and PawClaim shows which dental conditions each insurer would flag as pre-existing and which provides the best dental coverage for your pet.
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