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Dental pet insurance that’ll make you (and your pet) smile

Because your four-legged bestie can get cavities, too.

What you need to know

  • Dental care is just as important for your pets as for you. Look, maybe not AS important, but still.
  • Tooth related costs for your pets are genuinely as expensive as for people though. Real spenno.
  • Pet insurance can help with that though, which is rad. Check out policies that cover pet dental below.

Compare pet insurance policies that cover dental

1 - 5 of 10
Name Product Dental Illness Annual cover limit Gingivitis & Abscesses Dental disease from infection Deciduous teeth Cavities & Teeth fractures
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
Optional
$25,000
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
PD Deluxe Plan
$500
Apply online and get your first 1 month free. T&Cs apply.
Pet Circle Dog Cover
With 360 Care
$30,000
Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
Vets Choice Elite Cover
Optional
$800
Get a 5% discount when you insure more than one pet.
Petsy Top Cover
ExclusiveHighly Commended
Petsy Top Cover
Optional
$25,000
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
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Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

Does pet insurance cover dental?

Yes, here's how pet insurance covers dental:

Simple Extraction

Dental illness cover

This can help pay for dental illnesses your dog or cat has such as gingivitis, abscesses and tooth removal. It's often only available as an add-on. Only a handful of insurers offer this type of cover and, in most cases, you'll see it referred to as dental illness cover.

Pet vaccine

Routine care

Routine care is usually an optional add-on with most pet insurance policies and covers your pet for some basic preventative treatments like teeth cleaning. It also covers things like desexing, general health checks and vaccinations, but it doesn't cover dental illnesses.

What does pet dental insurance cover?

Pet dental insurance policies can cover you for the following:

  • Gingivitis
  • Abscesses
  • Tooth removal
  • Dental diseases resulting from infection
  • Retained deciduous teeth
  • Cavities
  • Tooth fracture
These are some of the most common inclusions, but make sure you read the "What's Covered" section of the PDS to find out exactly what the policy you're looking at includes.

Also, there's normally a waiting period before you can claim for dental benefits, and this can be as long as 2 years, so make sure you take out pet insurance sooner rather than later. You can compare pet insurance waiting periods here.

What does pet dental insurance not cover?

You'll generally find that the following treatments are never covered by any pet dental insurance policy:

  • Cosmetic dental procedures
  • Orthodontics
  • Root canals
  • Odontoclastic resorptive lesions (one of the most common dental issues in cats)
  • Other oral treatments not listed above

While you won't be covered for these procedures, routine care can cover preventative treatments like teeth cleaning so that there's less chance of your furry friend developing more serious mouth problems. If you want to get cover for routine care, it's sometimes included with comprehensive pet plans or can be added on to your policy.

Why you can trust Finder's pet insurance experts

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independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

Pet dental insurance FAQs

Gary Ross Hunter's headshot
Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

More guides on Finder

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    Vaccinating your puppy is one of the most important ways you can help them grow into a healthy dog. Here’s what you need to know.

  • Desexing your cat & dog

    If you've got a furry friend in your life, it's important that you consider desexing them. Desexing animals has a range of benefits and best of all, pet insurance covers it. Read on to learn more.

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