Does Pet Insurance Cover Dental Disease? Check the Policy

Lemonade Pet is not sold in every state.

Short answer

Some pet insurance policies cover dental disease. Check illness, injury, and routine-care benefits separately, along with limits, waiting periods, and exclusions. The current policy controls what is eligible.

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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.

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TL;DR

Some accident-and-illness policies include dental illness. Do not assume it requires a wellness add-on.
Embrace lists dental illness coverage up to $1,000 per policy year, subject to the deductible, reimbursement rate, and policy terms.
Routine cleaning is different from treatment for disease or injury. Check each benefit separately.
Ask the insurer how your pet's dental history, waiting periods, and exclusions affect eligibility.

The Short Answer on Dental Coverage

Yes, some policies cover dental disease. Embrace's current dental illness guidance is one example: its accident-and-illness policy includes eligible treatment, with a separate dental illness limit. Compare the actual dental provisions of each policy you are considering.

Compare three categories separately: injury to teeth, illness affecting teeth or gums, and routine preventive care. A benefit for one category does not establish benefits for the others.

An Example: Embrace's Dental Rules

Embrace lists gingivitis, stomatitis, and periodontal disease among eligible dental illnesses. Its stated limit is $1,000 per policy year, with the policy deductible and reimbursement rate applying. Dental accidents and trauma use the policy's annual maximum instead.

Embrace treats routine dental care separately through optional Wellness Rewards. A cleaning allowance is different from insurance for an eligible illness. Read the applicable policy before relying on either benefit.

Check Your Pet's Dental History

A new policy does not guarantee payment for a dental problem already in your pet's records. Ask the insurer to review those records and explain its pre-existing condition rules, waiting periods, and any dental exclusions.

Do not assume that every insurer treats a past dental finding identically. Request an explanation of the terms that apply to your pet before switching policies or scheduling treatment in reliance on reimbursement.

What to Compare Before Choosing

Check whether dental illness is included, optional, or excluded; whether it has a separate annual limit; and which deductible and reimbursement percentage apply. Also check any required examinations or preventive care. Compare current policy documents instead of choosing from a general dental label or a starting premium.

For an existing policy, ask about the proposed treatment and the reason it is needed. Routine cleaning, treatment for disease, and repair after an injury may be handled differently. The applicable policy controls eligibility and payment.

Pet insurance dental FAQ

Does pet insurance cover dental disease?

Some policies do. Check dental illness benefits, limits, waiting periods, and exclusions in the current policy. A wellness benefit alone does not establish disease coverage.

Is dental cleaning covered by pet insurance?

Check routine-care benefits separately from illness and injury benefits. Embrace directs routine dental care to its optional Wellness Rewards program rather than its dental illness benefit.

Can I get pet insurance if my dog already has gum disease?

Ask the insurer about enrollment and the existing condition separately. Buying a policy does not establish coverage for disease already documented. Request a review of your pet's records and the applicable exclusions.

Source checked September 29, 2026: Embrace dental illness guidance. Review the applicable policy terms for your state and policy version.