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Best pet insurance for dental coverage in the US

Many plans cover only teeth broken in an accident. This ranking favours plans that also cover dental disease like gum disease and infected teeth.

Ranked with the same filters and weighted scoring as our quiz, using plan data reviewed 2026-10-16. Your pet's breed, age and location change the answer — take the quiz for a personal match.

#1 · Trupanion

Trupanion Policy

One plan that pays 90% of eligible vet costs with no payout caps — you choose a per-condition deductible paid once for life.

$$$ PremiumAccident & illnessDirect vet billing
Reimburses
90%
Annual limit
Unlimited
Deductible
Per condition
Exam fees
Not covered
Accident wait
5 days
Illness wait
30 days
  • ✓ Dental coverage: Covers extraction and repair of teeth damaged in an accident, and extractions for dental disease if recommended dental care was followed. Routine cleanings are not covered.
  • ! Vet exam fees are NOT reimbursed on any claim
  • ! Only one plan and one reimbursement rate (90%)
  • ! Pets must enroll before their 14th birthday
Full Trupanion details →

#2 · Embrace

Accident & Illness

Customizable accident & illness coverage with dental illness, complementary therapies and cured-condition coverage.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
none
Illness wait
14 days
  • ✓ Dental coverage: Dental illness covered up to $1,000 a year, plus root canals and crowns for injured adult teeth. Cleanings only via Wellness Rewards.
  • ! 180-day exclusion for common orthopedic conditions in dogs
  • ! Pets 15 and older can only get accident-only coverage
  • ! Premiums rise over time with age
Full Embrace details →

#3 · Nationwide

Modular Pet Insurance

Build-your-own coverage from accident, illness and optional modules (hereditary, cruciate, wellness) — exam fees included.

$$ Mid-rangeAccident & illness
Reimburses
50/70/80%
Annual limit
$5,000
Deductible
Annual
Exam fees
Covered
Accident wait
14 days
Illness wait
14 days

Sample monthly cost

from $13 — 2-year-old medium mixed-breed dog, Chicago, accident-only moduleNationwide's advertised starting price ($5,000 limit, 70%, $250 deductible).

  • ✓ Dental coverage: Dental conditions are covered unless signs (tartar, gingivitis, periodontal disease) were present before coverage began.
  • ! Hereditary, congenital and cruciate coverage are paid add-on modules
  • ! Cats 8 and older can't add hereditary coverage
  • ! Annual limits are per module — total payouts can be lower than single-limit plans
Full Nationwide details →

#4 · Pets Best

BestBenefit Accident & Illness

Highly adjustable accident & illness coverage — reimbursement from 50% to 90%, deductibles from $50 to $2,000 and an unlimited option.

$ BudgetAccident & illness
Reimburses
50/60/70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
3 days
Illness wait
14 days
  • ✓ Dental coverage: Periodontal disease covered if there were no prior signs, plus treatment for traumatic tooth fractures. Cleanings are excluded.
  • ! Rehab, acupuncture and chiropractic care must be added at enrollment
  • ! 6-month wait for cruciate ligament conditions
  • ! Prescription coverage is limited to Pets Best's formulary
Full Pets Best details →

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