According to MoneyGeek’s analysis, Lemonade provides the best pet insurance with dental coverage for dogs and cats, combining competitive premiums and solid customer experience. We also recommend Pumpkin, AKC, Spot and Pets Best as strong alternatives based on our evaluation of coverage, affordability and customer experience.
Best Pet Insurance for Dental
Updated: September 12, 2025
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Best Pet Insurance for Dental: Key Takeaways
MoneyGeek's study identified Lemonade as the best overall pet insurer for dental coverage, scoring 4.7 out of 5.0 for dogs and 4.5 out of 5.0 for cats.
The cheapest pet insurance that covers dental costs $41 monthly for dogs from Lemonade and $20 monthly for cats from Pumpkin.
Getting the best pet insurance with dental coverage that fits your budget involves comparing multiple quotes, reading the fine print and looking for customer reviews.
What Are the Best Pet Insurance Companies for Dental?
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Lemonade | 4.73 | $487 | 3 | 6 |
| AKC | 4.35 | $705 | 3 | 1 |
| Pets Best | 4.24 | $643 | 5 | 2 |
| Rainwalk | 4.21 | $718 | 1 | 4 |
| Pumpkin | 4.20 | $548 | 3 | 11 |
Lemonade
Best Overall
MoneyGeek Rating
4.7/ 5
5/5Affordability
4.4/5Customer Experience
3.7/5Coverage Options
Average Monthly Rate for Dogs
$41Average Monthly Rate for Cats
$23Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Rainwalk
Best Customer Experience
MoneyGeek Rating
4.2/ 5
3.5/5Affordability
5/5Customer Experience
3.9/5Coverage Options
Average Monthly Rate for Dogs
$60Average Monthly Rate for Cats
$30Trustpilot Ratings
4.7 out of 5.0Maximum Annual Limit
$20,000
AKC
Best Pet Insurance Coverage Options
MoneyGeek Rating
4.4/ 5
3.6/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate for Dogs
$59Average Monthly Rate for Cats
$35Overall Reddit Sentiment
86% positiveMaximum Annual Limit
$10,000
What Are the Cheapest Pet Insurance Companies for Dental?
Our analysis found Lemonade as the cheapest pet insurance company with dental coverage for dogs, providing rates at $41 per month. Pumpkin is the most affordable option for cats, with premiums starting at $20 per month.
Cheapest Pet Insurance With Dental Coverage for Dogs
Pet owners looking for dental coverage for their dogs will find the cheapest rates from Lemonade ($41 monthly) and Pumpkin ($46 monthly). These rates reflect our standard 6-year-old Labrador Retriever profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
| Lemonade | $41 | $487 | 33% |
| Pumpkin | $46 | $548 | 24% |
| ASPCA | $48 | $580 | 20% |
| Figo | $52 | $624 | 14% |
| Pets Best | $53 | $643 | 11% |
Cheapest Pet Insurance With Dental Coverage for Cats
Among pet insurance companies with dental coverage for cats in our study, Pumpkin has the most affordable rates at $20 monthly. Lemonade follows with the second-lowest premiums at $23 monthly. These rates are collected using our standard 7-year-old Ragdoll profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
| Pumpkin | $20 | $238 | 37% |
| Lemonade | $23 | $271 | 28% |
| Hartville | $23 | $277 | 27% |
| Spot | $23 | $284 | 25% |
| Figo | $25 | $297 | 22% |
How to Get the Best Cheap Pet Insurance for Dental
Finding the best cheap pet insurance with dental coverage doesn't have to be complicated. Follow these straightforward steps to secure quality dental coverage without overpaying.
- 1
Decide on your coverage needs
Start by deciding on annual limits that align with potential dental treatment costs. Choose deductibles you can comfortably afford upfront and select reimbursement rates based on your budget preferences. Higher reimbursement rates cost more monthly but provide greater financial protection when dental emergencies arise.
- 2
Compare multiple quotes
Gather quotes from at least three pet insurance providers that cover dental treatments, ensuring each quote includes the same coverage parameters for accurate comparison. Pay close attention to what dental coverage is included in the base policy versus what requires additional add-ons or wellness plans. Some providers include dental illness coverage automatically, while others require you to purchase an optional add-on.
- 3
Read the fine print
Download and review sample policies before purchasing to understand exactly what dental conditions are covered and excluded. Look for specific language about periodontal disease, tooth extractions and routine dental cleanings, as coverage varies significantly between providers. Also, check waiting periods for dental coverage, which can range from 14 days for new accidents and longer for new illnesses.
- 4
Look for customer reviews
Research customer experiences on platforms like Trustpilot, Reddit and the Better Business Bureau to understand how each company handles dental claims. Focus on reviews that mention dental treatments specifically, as claim experiences can differ between routine medical care and dental procedures.
- 5
Reassess annually before renewing
Review your pet's dental health and any changes in coverage needs each year before your policy renews. Compare your current rates with new quotes from other providers, as introductory pricing or market changes may offer better deals. Consider whether your chosen annual limit, reimbursement rate and deductible still make sense based on your pet's age and dental health status.
Best Pet Insurance With Dental: Bottom Line
Lemonade stands out as the best overall pet insurance company for dental coverage, delivering strong customer experience while offering the most affordable rates for dogs at $41 monthly. Cat owners can save even more with Pumpkin at just $20 monthly. By comparing multiple quotes and reading policy details carefully, you can secure the best pet insurance with dental coverage at a cost you can comfortably afford.
Best Pet Dental Insurance: FAQ
We’ve addressed some frequently asked questions about pet insurance that covers dental treatments below:
What is the best pet insurance for dental?
MoneyGeek’s analysis identified Lemonade as the best pet insurance for dental, earning high scores for affordability and customer experience. Other companies worth considering include Pumpkin, AKC, Spot and Pets Best.
What is the cheapest pet insurance for dental?
Among insurers that offer pet insurance with dental coverage in our study, Pumpkin is the cheapest for cats at $20 monthly, while Lemonade is the most affordable option for dogs at $41 monthly.
What does pet dental insurance usually cover?
Pet dental insurance usually covers injuries such as broken teeth, extractions and treatments for dental illnesses like periodontal disease. However, coverage varies depending on the provider. For example, Lemonade only covers dental injuries and accidents in its base policies, while Rainwalk extends its dental coverage to teeth cleanings if prescribed by a licensed vet for a covered condition.
Are pre-existing dental conditions covered by pet insurance?
Most pet insurance providers do not cover pre-existing dental conditions, which were diagnosed before enrollment or during the waiting period. While AKC provides coverage for curable and incurable pre-existing conditions after 365 days of continuous enrollment, its dental coverage is limited to accident-related extractions.
How can I find the cheapest pet dental insurance for my pet?
To find the cheapest pet insurance for dental, decide on your coverage needs, such as annual limits, deductibles and reimbursement rates. Then, gather quotes from at least three providers using the same coverage levels to ensure accurate comparisons. Keep in mind that the cheapest option may not provide the best financial protection for your pet’s health and oral needs.
How We Found the Best and Cheapest Pet Insurance for Dental
MoneyGeek analyzed 20 major pet insurance companies across the U.S. to determine which providers deliver the best value for dental coverage. Our study focused on affordability, customer experience and coverage details to recommend options that help pet owners manage the high cost of dental care.
For consistency, we gathered quotes using our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles, each with a $5,000 annual limit, 80% reimbursement rate and $500 deductible.
How We Scored Providers
Affordability (50% of score): We compared monthly premiums across all insurers within each state. While discounts were noted, they only had a minor impact on rankings as they rarely changed overall costs.
Customer Experience (30% of score): We calculated this score based on feedback collected from Trustpilot and Reddit, reflecting real pet owner experiences with dental claims.
Coverage Options (20% of score): We reviewed complete policy terms for each provider in every state, evaluating dental inclusions, add-ons, exclusions and waiting periods that impact overall protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.