Dental disease is the most common health issue in dogs—80% of dogs over 3 have periodontal disease. Routine dental cleanings (including anesthesia, scaling, and polishing) cost $200–$500, and extractions/periodontal treatment can cost $1,000+. Most basic pet insurance plans don’t cover routine dental care—but add-on wellness plans do.
We reviewed 12 pet insurance plans to find the best options that cover dental cleanings for dogs—including routine care and treatment for dental disease.
How We Evaluated Dental Coverage
- Compared wellness plan add-ons for routine dental cleanings
- Verified coverage for periodontal disease and tooth extractions
- Calculated total cost (base premium + wellness add-on)
- Analyzed claim approval rates for dental procedures (85–95%)
Embrace Pet Insurance
Best for: Routine dental cleanings + disease treatment
Embrace’s Wellness Rewards add-on covers 100% of routine dental cleanings (up to $500/year) and its base plan covers periodontal disease, tooth extractions, and dental surgery. No waiting period for dental coverage.
Pros
- Wellness add-on covers full dental cleanings ($500/year max)
- Base plan covers periodontal disease and extractions
- No waiting period for dental coverage
Cons
- Wellness add-on costs $15–$25/month extra
- Annual cap on dental cleaning coverage ($500)
ASPCA Pet Health Insurance
Best for: Budget dental coverage
ASPCA’s Basic Wellness Plan covers routine dental cleanings (up to $150/year) for a low $10/month add-on. Its base plan covers dental emergencies (broken teeth, abscesses) with no annual cap.
Pros
- Cheap wellness add-on ($10/month) covers dental cleanings
- Base plan covers dental emergencies and disease
- Multi-pet discount applies to wellness add-ons
Cons
- Low annual cap on dental cleanings ($150)
- Does not cover deep dental cleanings ($300+)
Pets Best Pet Insurance
Best for: Comprehensive dental care
Pets Best’s Wellness Plan covers 100% of routine dental cleanings (no annual cap) and its base plan covers advanced dental procedures (root canals, jaw surgery). It has the highest dental coverage limits in the U.S.
Pros
- Wellness plan has no cap on dental cleaning coverage
- Covers advanced dental procedures (root canals)
- Low deductible for dental claims ($100)
Cons
- Expensive wellness add-on ($20–$30/month)
- 30-day waiting period for dental disease coverage
Final Recommendation
- Full coverage (cleanings + disease): Embrace (Wellness Rewards add-on)
- Budget option: ASPCA (Basic Wellness Plan)
- Comprehensive care: Pets Best (unlimited dental cleaning cap)