Does Pet Insurance Cover Teeth Cleaning and Dental?

Puppies and kittens under 2 years old rarely need dental treatment, making both types of coverage less valuable initially. However, Cornell University reports that 80% to 90% of dogs over age 3 have some component of periodontal disease, while 50% to 90% of cats older than 4 years suffer from some form of dental disease. Senior pets over 7 years old face the highest risk for dental diseases and need regular cleanings.

Small dog breeds like Chihuahuas and Yorkshire Terriers are prone to dental crowding and early tooth loss, making both dental coverage and teeth cleaning add-ons particularly valuable. Brachycephalic breeds (flat-faced dogs and cats) often have alignment issues that require special treatment that may be covered under standard accident and illness policies. Large breeds usually have fewer dental problems but may need expensive oral surgeries when issues arise.

Based on CareCredit's 2023 study of veterinary costs across the U.S., professional dental cleanings cost an average of $376 for dogs and $314 for cats, making wellness coverage that reimburses $100 to $200 a valuable financial cushion. 

Regular at-home dental care (brushing, dental chews) can reduce your pet's risk of dental diseases, making standard dental coverage less critical. Consider whether you'd rather pay predictable monthly premiums for cleaning coverage or handle these expected annual costs yourself.

CareCredit data shows significant state variations, with teeth cleaning for dogs ranging from $291 in New Jersey to $503 in Idaho, while cleanings for cats range from $249 in Arizona and West Virginia to $405 in Arkansas. If you live in a high-cost area, teeth cleaning add-ons provide better value relative to your potential savings. Emergency dental procedures can cost $1,000 to $3,000 or higher regardless of location, making dental coverage valuable everywhere.