Is Dental Work Covered?

Dental work is only partially covered by most pet insurance plans. Accidental dental injuries are usually included, while cleanings and illness-related dental care require add-ons or are excluded.
Source: BestPetPlanGuide.com

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Dental coverage is one of the most misunderstood parts of pet insurance. Most standard policies include treatment for accidental dental trauma—like a broken tooth from chewing a rock or injury during a fall. However, dental illness coverage (such as periodontal disease, abscesses, extractions, or root canals) is often excluded unless you purchase a specific dental or wellness add-on.

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Routine cleanings, exams, and preventative dental care are typically not covered under standard plans. These services may be partially reimbursed through a wellness package if the provider offers one.

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Even among insurers who do cover dental illness, there may be conditions. For example, coverage might be contingent on providing proof of recent dental cleanings or regular vet dental evaluations. Providers may deny claims if routine dental care hasn’t been documented.

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Because poor oral hygiene is linked to serious systemic diseases (like kidney or heart disease), it's worth considering a policy that includes or supplements dental care—especially for older pets or breeds prone to oral issues.