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Pet Dental Insurance Coverage

Offering Some of the Best Dental Insurance for Dogs and Cats

What’s Covered with Embrace’s Dental Pet Insurance?

Your furry friend's dental health is vital to their overall well-being. That's why every Embrace accident and illness policy covers the following dental issues (and more) for up to $1000 for each policy term.

Dental IllnessCost to TreatLikelihood of Occurring
Periodontal disease$400-$1,000Very High
Abscessed teeth$200-$500Medium
Malocclusions (misaligned teeth) $200-$1,000Medium
Gingivitis (inflammation of the gums)$300-$700High

Dental InjuryCost to TreatLikelihood of Occurring
Tooth loss$200-$500Medium
Jaw fractures$1,000-$3,000Medium
Oral trauma$200-$500Medium
Abscessed teeth$200-$500High
Tooth fractures$200-$500Medium

It is important to note that these are just estimates, and the actual cost of treating your pet will vary depending on the severity of the illness or injury, your location, and the type of veterinarian you see. Dental cleanings are considered preventative care and are reimbursed in optional, non-insurance wellness plans, but not covered under pet insurance plans.

Likelihood of Dental Illnesses and Injuries

The likelihood of your pet developing a particular dental illness or injury will vary depending on several factors, including their breed, age, diet, and chewing habits. However, as you can see from the table above, dental disease is very common in pets, affecting up to 90% of dogs and cats over the age of 3. Embrace has your pet covered for dental accidents and illnesses up to $1,000 per policy year.

Does Embrace Pet Insurance Cover Dental?

Your pet is family, and just like any family member, their health and well-being mean everything to you. That's why our pet insurance is more than just a policy - it's a promise to be there for you and your furry friend through life's ups and downs. From their fluffy tails to their unique smiles, we value all aspects of their well-being, from unexpected accidents to routine wellness checks and even those pesky dental issues that pop up. With our coverage, you're embracing the peace of mind that comes from knowing you can provide the best possible care for your pet, no matter the situation.

This ginger cat's teeth needed some check-ups and dental care from its local veterinarian, showing the importance of pet insurance for covering dental care like tooth extractions.

Preventing Dental Illnesses and Injuries

The best way to prevent dental illnesses and injuries:

  • Brushing your pet’s teeth

  • Dental Chews

  • Toys that help clean teeth

It is also important to take your pet to the veterinarian for regular dental checkups and cleanings. While this regular dental care isn’t covered by Embrace’s pet dental insurance that’s part of every accident and illness plan, it can be reimbursed through Embrace’s pet wellness plans.

How to Find Pet Insurance that Covers Dental?

Many pet insurance providers overlook the importance of dental care, leaving pet parents in a difficult position when issues arise. At Embrace, we understand that dental health is a vital component of your pet's overall well-being. That's why our policies are different. We provide this $1000 dental coverage as a standard feature, ensuring that your furry family member's adorable smile remains as radiant as their personality. Pre-existing conditions are excluded, though Embrace does cover some curable pre-exisiting conditions.

From treating broken or chipped teeth to dealing with more serious dental conditions like gingivitis and periodontal disease, we're deeply committed to helping them get back to feeling their best.

Infographic highlighting pet dental insurance benefits, showing $1,000 in dental coverage as a standard feature and a donut chart indicating 92% of claims were covered in 2024.

Close-up of a dog's teeth being brushed, underscoring the need for pet insurance to cover dental care. It can be seen in this image how white and healthy-looking a dog could get with consistent professional dental care.

Dog Dental Insurance

Canine companions can be bundles of joy and energy, but they're also susceptible to various dental issues that can affect their overall health and happiness.

From chipped or broken teeth incurred during enthusiastic play to oral diseases like gingivitis or periodontal disease, dental problems are common among dogs. Ignoring them can cause complications like infection, discomfort, and systemic health problems.

At Embrace, we're committed to helping you navigate dental dilemmas to ensure your pup gets the care they need, when they need it, so they can enjoy life with you to its fullest.

An attempt to brush a cat's teeth! We all know how challenging it could get to brush our feline friend's teeth, so having pet insurance to cover dental care is such an advantage to keep those teeth strong and healthy throughout time.

Dental Insurance for Cats

Your whiskered companion may seem self-sufficient, but they rely on you for their dental health.

Cats can suffer from dental issues like plaque buildup, gum disease, and even more painful conditions like stomatitis. These problems can lead to difficulty eating, bad breath, and even systemic health concerns.

Embrace wants your every pet to enjoy the best possible quality of life, so our plans include coverage for feline dental issues up to $1000 per policy term. We're committed to helping you ensure they always have the comprehensive care they need to live a healthy, happy life full of purrs, play, and cuddles.

Ready to protect your pet?

Call (800) 779-1539

Dog & Cat Care for Routine Dental Needs

We see routine, preventative pet dental care as critical to maintaining your pet's overall health (one reason we’re rated 4.9/5 on Pet Insurance Review.com), which is why we reimburse for preventative dental care through our optional pet wellness plans.

  • checkmark icon used as a list bulletRoutine dental cleaning (with or without anesthesia)
  • checkmark icon used as a list bulletPet toothbrushes & toothpaste
  • checkmark icon used as a list bulletDental chews
  • checkmark icon used as a list bulletAnnual dental checkups
  • checkmark icon used as a list bulletTeeth brushing by a groomer or veterinarian
  • checkmark icon used as a list bulletDietary dental supplements

According to The Animal Foundation, 70% of cats and 80% of dogs have signs of periodontal disease by age three. So, we developed our optional Wellness Rewards program to reimburse you for preventive veterinary care like teeth cleaning (the best way to prevent serious oral diseases down the line) that isn’t covered under our regular pet insurance policies.

Being proactive with your pet's dental health ensures a brighter smile and a happier, healthier life. And with allowances ranging from $300 to $700 per policy year, you can choose the right level of preventative dental care for your pet.  Learn more about Wellness Rewards here.

Pet Dental Insurance Coverage FAQs

Does pet insurance cover dental?

Yes, Embrace Pet Insurance covers dog and cat dental issues, including broken, chipped, or fractured teeth, gingivitis, and periodontal disease up to $1000 per policy term.

Is dental insurance for dogs worth it?

Considering the high likelihood of dental problems occurring in dogs and cats and the potentially high cost of treatments, many pet parents find that dental coverage gives them both peace of mind and financial security. The best part? We include it in every Embrace policy.

Does pet insurance cover cracked teeth?

Embrace covers cracked teeth and other dental issues as part of every policy, up to the policy limit.

Does pet insurance cover teeth cleaning?

Routine care isn’t covered by pet insurance, but Embrace's Wellness Rewards plans will reimburse you for routine teeth cleaning and other preventative pet care.

How much does a dog's broken tooth cost?

The cost varies widely based on the severity of the fracture, treatment and area of the country you live in. The average cost can range from $200-$2,500 per tooth.

How can I save money on my dog's dental?

Preventative care and purchasing a pet insurance policy with dental coverage are a powerful combination that saves you money and keeps your pet healthy and happy.

Does pet insurance cover dental extractions?

Yes, Embrace covers dental extractions as part of their standard policy. The average cost ranges from $200-$2,500 per tooth.

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Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states.

CareCredit is a credit product offered by Synchrony Bank. Embrace does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Embrace. For full terms and conditions, visit Terms & Conditions. Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.

*Wellness Rewards is offered as an optional membership plan, non-insurance benefit administered by Embrace Pet Insurance Agency, LLC in the United States. Wellness Rewards not available in RI. (c) 2025 American Modern Insurance Group, Inc.

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