Does pet insurance cover dental?
Lemonade Pet is not sold in every state.
Dental is one of the most commonly excluded areas of pet insurance. Most accident and illness policies cover dental injuries from an accident, like a broken tooth, but exclude dental illness such as periodontal disease, which is the claim owners actually file. Fetch is the standout in our lineup: it covers dental disease in its base policy, which most competitors do not. Lemonade’s dental coverage is thin and only available through an optional add-on. Routine cleanings are never covered by the base policy anywhere; they fall under wellness add-ons at most.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
The accident vs illness split
Nearly every policy draws the same line: dental injury caused by an accident is treated like any other injury, while dental disease is treated like a preventable condition and excluded. That split matters because periodontal disease is one of the most common health problems in adult dogs and cats, and treatment routinely runs into the hundreds or thousands.
Which insurers actually cover dental disease
Fetch covers dental disease in its base accident and illness policy and covers behavioural care that others exclude, which is a large part of why it appeals to owners of older pets. It sits mid-table on price with a $15,000 listed annual cap. Lemonade is the opposite case: its base dental coverage is thin and a dental illness add-on costs extra. Healthy Paws covers traumatic dental injury and says dental illness may also be eligible if there were no signs before enrollment or during the waiting period. Most of the rest of our lineup still treats dental illness as the claim to check in the policy wording.
For breeds where dental disease is a known risk, this difference can decide the plan. Our Siamese guide flags dental cover as the thing to check for that breed specifically, and small dog breeds with crowded mouths have the same exposure.
What about cleanings and preventive dental?
Routine cleanings are preventive care and are excluded from every base policy. Some wellness add-ons reimburse a fixed allowance that can go toward a cleaning, but the allowance rarely covers the full cost of an anesthetized dental. If dental health is your main worry, buy on the illness coverage, not the wellness allowance.
Related questions
Keep reading
Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.