Pet dental insurance policies are available from a handful of providers that – unlike many providers which only cover you for routine care such as teeth cleaning – can cover you for dental diseases, tooth fractures, abscesses, tooth removal and more. We've listed them below.
Compare pet dental insurance policies with up to $25,000 cover
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Why compare pet insurance with Finder?
You pay the same price as buying directly from the pet insurer.
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Does pet insurance cover dental?
Yes, here's how pet insurance covers dental:
Dental illness cover
This can help pay for dental illnesses your dog or cat has such as gingivitis, abscesses and tooth removal. It's often only available as an add-on. Only a handful of insurers offer this type of cover and, in most cases, you'll see it referred to as dental illness cover.
Routine care
Routine care is usually an optional add-on with most pet insurance policies and covers your pet for some basic preventative treatments like teeth cleaning. It also covers things like desexing, general health checks and vaccinations, but it doesn't cover dental illnesses.
What does pet dental insurance cover?
Pet dental insurance policies can cover you for the following:
Gingivitis
Abscesses
Tooth removal
Dental diseases resulting from infection
Retained deciduous teeth
Cavities
Tooth fracture
These are some of the most common inclusions, but make sure you read the "What's Covered" section of the PDS to find out exactly what the policy you're looking at includes.
Also good to know: There's normally a waiting period before you can claim for dental benefits, and this can be as long as 2 years, so make sure you take out pet insurance sooner rather than later. You can compare pet insurance waiting periods here.
Odontoclastic resorptive lesions (one of the most common dental issues in cats)
Other oral treatments not listed above
While you won't be covered for these procedures, routine care can cover preventative treatments like teeth cleaning so that there's less chance of your furry friend developing more serious mouth problems. If you want to get cover for routine care, it's sometimes included with comprehensive pet plans or can be added on to your policy.
How different pet insurers cover dental
Here's a list of how specific insurers cover dental. In a couple of cases, it's included automatically; in others, you'll have to pay extra to get covered.
Bow Wow.If you get their Ultimate Care Plan, you will be covered for dental illness treatments including gingivitis, abscesses and removal of teeth where medically necessary. You will need to serve a 6-month waiting period before you're covered, though.
Prime Sovereign.With their accident and illness policy, you can get automatically covered for dental illness treatments including gingivitis, abscesses and removal of teeth where medically necessary. Keep in mind: It comes with a 2-year waiting period.
Vets Choice. Vets Choice offers a dental benefit and dental plus benefit option which you can add on to your policy. It can cover you for dental injuries and illnesses as well as preventative care such as dental check-ups, teeth clean and polish, and preventative items like dental diets, bites, chews and more.
Knose.Knose gives you the option of adding on dental illness cover to your pet insurance policy. Cover includes things like dental diseases, gingivitis and periodontal disease. You won't be covered for any routine or elective dental procedures with this add-on, though.
Keep in mind: You can get basic services like teeth cleaning covered under routine care. Routine care is often another add-on you can get with pet insurance policies. It also covers things like desexing, general health checks and vaccinations.
Why you can trust Finder's pet insurance experts
We're free
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Pet dental insurance FAQs
Dogs are prone to similar dental diseases and problems as humans, but they can't tell you when there's a problem so it could well be worth getting dental insurance.
An annual dental check-up for your dog can identify problems such as tooth decay and gingivitis early, preventing your dog from suffering a lot of pain and saving you heaps in vet bills.
Yes, you don't usually need dental pet insurance for teeth cleaning, though. Most policies will cover you under routine care – this generally includes teeth cleaning.
Yes, they can be. Pet insurers can cover removal of teeth where medically necessary. This can include reasons such as dental disease arising from infection, cavities or tooth fractures.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
If you've got a furry friend in your life, it's important that you consider desexing them. Desexing animals has a range of benefits and best of all, pet insurance covers it. Read on to learn more.
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