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Comprehensive Guide to Pet Dental Health and Insurance Coverage

Dental disease in pets is more common than many pet owners realize. Studies show that 80-90% of dogs over the age of three have some form of dental disease, and between 50-90% of cats older than four are also impacted. Just like in humans, dental disease in pets is more than just about the teeth. It can exacerbate existing diseases, including heart, liver, and kidney disease, and dramatically reduce the quality of life for your senior pet. This guide delves into the importance of pet dental health, what pet dental insurance covers, and how to manage dental care costs.

The Importance of Pet Dental Health

Dental Disease and Overall Health:

  • Dental disease in pets can lead to severe health issues, including heart, liver, and kidney diseases.

  • Regular dental care improves the overall quality of life for pets, especially as they age.

At-Home Dental Care:

  • Daily brushing and using dental tools designed for pets can help maintain dental health.

  • Despite diligent at-home care, regular professional cleanings are necessary to ensure thorough dental care.

Understanding Pet Dental Insurance

What Does Pet Dental Insurance Cover?

  • Pet dental insurance helps manage the cost of dental care, including cleanings and treatments for dental diseases.

  • Coverage varies by policy but typically includes:

  • Accidents: Such as fractured teeth.

  • Illnesses: Such as gum disease.

  • Routine Cleanings: Often covered under wellness plans, up to a set amount.

  • Most policies require upfront payment for services, with reimbursement after submission of receipts.

Types of Pet Insurance Plans:

  • Accident-Only Plans: Cover dental accidents but not diseases.

  • Accident and Illness Plans: May cover both dental accidents and illnesses, with exclusions for pre-existing conditions.

  • Wellness Plans: Often cover routine dental cleanings and preventive care.

What Isn’t Covered?

  • Pre-existing dental conditions or issues resulting from a lack of routine care are typically not covered.

  • Cosmetic procedures, dental implants, and certain at-home dental care tools are also excluded.

When to Start Dental Care for Pets

Recommended Ages for Dental Cleanings:

  • Small and Medium Dogs/Cats: Start dental cleanings by age one.

  • Large and Giant Breeds: Begin dental cleanings by age two.

  • Regular dental checkups are essential to assess and maintain dental health.

Dental Health Grades:

  • Grade 1: No to mild tartar/plaque, healthy gums.

  • Grade 2: Mild plaque with slight gingivitis.

  • Grade 3: Heavy plaque with notable gingivitis.

  • Grade 4: Heavy plaque, gingivitis, and possible systemic infection.

Costs and Considerations

Cost of Dental Cleanings:

  • Routine dental cleanings typically range from $300 to $700, depending on the pet's size and the extent of dental care needed.

  • Additional treatments, such as tooth extractions or surgery, will increase costs.

Factors Affecting Insurance Costs:

  • Pet Size: Larger pets often incur higher costs due to greater anesthesia and medication needs.

  • Age: Older pets usually face higher premiums and potential exclusions for pre-existing conditions.

  • Health and Lifestyle: Pets with existing health conditions or those prone to dental issues may have higher insurance costs.

Choosing the Right Insurance Plan:

  • Assess your pet's specific needs, considering their size, age, general health, and lifestyle.

  • Look for policies that cover breed-specific dental issues if your pet belongs to a breed with known dental problems.


Managing your pet’s dental health is crucial for their overall well-being. Regular at-home care combined with professional dental cleanings can prevent severe health issues and improve their quality of life. Pet dental insurance can help manage the costs associated with maintaining optimal dental health. Start dental care early and choose an insurance plan that fits your pet’s needs to ensure they receive the best possible care.

For more detailed information and high-quality products to support your pet’s dental health, visit or call us at 800-658-5308. We are committed to helping you keep your pets healthy and happy through expert advice and top-quality products.

Pet Dental Health
Pet Dental Health


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