🦷 Why Dental & Emergency Coverage Matter
✅ Dental Coverage
Condition Why It’s Important Tooth extractions Costly and often needed for older pets Gum disease Common in cats/dogs after age 3 Fractured teeth Common from chewing toys/bones Oral tumors/infections Can become life-threatening if untreated
🦷 Dental procedures can cost $300 to $3,000+ without insurance.
✅ Emergency Coverage
Emergency Cost Without Insurance Foreign object ingestion $1,500 – $4,000 Seizures or poisoning $800 – $3,500 Fractures or broken limbs $2,000 – $6,000 ER visit + hospitalization $1,000 – $5,000
🚑 Emergency vets are more expensive than regular vets and often require immediate full payment .
🧾 What Pet Insurance with Dental & Emergency Coverage Should Include
Feature Details ✅ Accident Coverage Injuries, bites, trauma, broken bones ✅ Emergency Vet Visits 24/7 clinic visits, hospitalization, surgery ✅ Dental Illnesses Coverage for periodontal disease, abscesses, gingivitis ✅ Dental Accidents Fractured teeth, jaw injury from trauma ✅ Anesthesia & Medications During surgeries and dental procedures ✅ Diagnostic Tests Bloodwork, X-rays, ultrasounds, CT scans ✅ Follow-Up Care After surgery, including meds and rehab if needed
🔍 Dental Coverage: Preventive vs. Illness/Accident
Type Covered? Preventive cleanings ❌ Usually NOT covered unless part of a wellness add-on Dental disease treatment ✅ Covered by comprehensive plans Tooth injury from accident ✅ Covered under accident section Orthodontics/cosmetic dental ❌ Not covered (almost never)
🔹 If dental cleaning is a routine service , it usually needs to be added via a wellness rider .
🏆 Top Pet Insurance Providers with Dental & Emergency Coverage (2025)
Provider Best For Dental Coverage Emergency Coverage Monthly Premium Healthy Paws Comprehensive emergency care Accident-related only ✅ Unlimited ER & surgery $30–$70 Embrace Pet Insurance Full dental illness & trauma ✅ Gum disease, extractions ✅ ER, diagnostics $25–$60 ASPCA Pet Insurance Balanced dental + emergencies ✅ Preventive add-on ✅ 24/7 vet visits, hospital $30–$55 Pets Best Customizable policies ✅ Optional wellness plan ✅ Accident/illness/emergency $20–$50 Figo Tech-savvy pet parents ✅ Covers injury & disease ✅ 24/7 live vet chat + claims $25–$55 Fetch by The Dodo Premium dental coverage ✅ Up to $1,000/year dental ✅ All emergencies + follow-up $35–$70
💡 Optional Add-Ons to Consider
Add-On Why It’s Useful 🦴 Wellness Plan Covers routine cleanings, exams, vaccines, flea meds 🧪 Routine Dental Cleaning Not standard — needs to be added manually 📱 24/7 TeleVet Access Helps decide if ER trip is necessary 🏥 Rehabilitation & Therapy Post-surgery physical therapy or hydrotherapy
💰 How Much Does It Cost?
Pet Type Average Monthly Premium 🐶 Dog (medium breed, age 2–5) $35–$60/month 🐱 Cat (age 2–5) $25–$45/month 🐶 Senior dog (7+ yrs) $50–$90/month 🐱 Kitten or puppy $20–$40/month
Premiums depend on age, breed, location, and deductible/coverage level.
❌ Common Exclusions to Watch For
Pre-existing conditions (even if undiagnosed)
Cosmetic dental procedures (e.g., whitening)
Preventive cleanings without wellness add-on
Behavioral-related dental injuries
Breeds with known dental issues (e.g., Yorkies, Chihuahuas) may face limits
📋 Tips for Choosing the Right Policy
✅ Read the fine print on dental illness vs. dental injury anesthesia, diagnostics, and post-op meds are includedno annual caps or high annual limits (at least $10K)claim reimbursement speed — some are slowcustom deductibles and 70–90% reimbursement options
🐕 Real-World Example
Case: A 4-year-old Labrador Retriever breaks a molar while chewing a toy.
Procedure Cost Emergency vet visit $300 Tooth extraction $1,800 Anesthesia & pain meds $250 Post-op care $150
