Dental Disease Coverage for Dogs

  • Exam fees covered*

  • Microchip implantation coverage included

  • $1,000+ in discounts from Spot Perks∞

  • Visit any licensed vet in the U.S. or Canada

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How Important is a Dog's Dental Health?

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80 – 90% of dogs 3 years and older have gum disease7.

The icon shows a white tooth being brushed by an orange toothbrush on a blue background.

Pet’s with gum disease often experience tooth loss, oral pain, and difficulty chewing3.

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Left untreated gum disease can affect your dog’s heart, lungs, and kidneys6.

Does Dog Insurance Cover Dental?

Spot pet plans can help pet parents get cash back on vet bills for covered dental extractions and illnesses. With a preventive care add-on, pet parents can also get cash back on dental cleanings.

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Dog Insurance with Dental Disease Coverage

Life is full of surprises. Spot's easy and simple pet insurance options help pet parents prepare for the unexpected.

Cat & Kitten Plans

as low as

$9/mo1

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Dog & Puppy Plans

as low as

$15/mo2

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For a List of Exclusions View a Sample Policy

Dog Dental Coverage FAQs

Are dental cleanings for dogs worth it?

Annual dental cleanings can help prevent dogs from developing gum disease. While brushing your pet’s teeth at home can help remove plaque and tartar above the gum line, they are not enough to remove plaque and tartar that develops below your dog’s gum line4. This means that even though you take precautions for at-home dental care, professional dental cleanings are still highly recommended, and are important for your pet’s long-term health.

What Does Dental Insurance for Dogs Cover?

Dental coverage varies depending on the dog insurance plan you choose for your pet. Spot's accident-only plan can offer cash back on the cost of dental extractions needed due to an eligible condition. Accident and illness plans offer more comprehensive coverage and can help cover the cost of treatment for dental illness and dental extractions necessary due to the condition. Please note that preventive coverage is only available with the optional wellness add-on.

Why is canine dental care so expensive?

Even relatively calm dogs at the vet won't be able to lay still long enough for a dental cleaning. Dogs are generally sedated during their dental cleanings for both their safety and that of the veterinary team. The cost of anesthesia is a large reason for the high cost of dental care for pets5.

Is dental insurance for dogs worth it?

Canine dental insurance can help pet parents get up to 90% cash back on the eligible costs of dental extractions or treatment for gum disease or other dental illnesses. This additional financial support can help pet parents facing high vet bills for their dogs.

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  1. Advertised premium is from 12.11.24 based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 33801. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

  2. Advertised premium is from 12.11.24 based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Premiums may vary due to plan options such as annual limit, co-insurance, and deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

  3. “What Happens If Periodontal Disease Goes Untreated in Dogs?” Hamiltonanimalhospital.com, 2024, www.hamiltonanimalhospital.com/blog/what-happens-if-periodontal-disease-goes-untreated-in-dogs.html.

  4. Coufal, Rick. “How Often Do Dogs Need Dental Cleaning? | Ponderosa Vet Clinic.” Ponderosa Veterinary Clinic, 15 Aug. 2022, ponderosavetclinic.com/how-often-do-dogs-need-dental-cleaning/.

  5. Missoula Veterinary Dentistry & Oral Surgery. “Understanding the Cost of Professional Pet Dental Cleanings.” Missoula Veterinary Dentistry & Oral Surgery, 30 Aug. 2024, missoulavetdentist.com/understanding-cost-of-professional-pet-dental-cleanings/.

  6. AVMA. “Pet Dental Care.” American Veterinary Medical Association, www.avma.org/resources-tools/pet-owners/petcare/pet-dental-care.

  7. Belvoir Media Group. “Periodontal Disease.” Cornell University College of Veterinary Medicine, 3 Jan. 2023, www.vet.cornell.edu/departments-centers-and-institutes/riney-canine-health-center/canine-health-information/periodontal-disease.