Pet insurance that covers dental — every tooth, full protection
Which pet insurance covers dental?
Fetch is the only pet insurance that covers injury and disease in all adult teeth and your pet’s gums. Other providers limit dental coverage to the 4 canine teeth or don’t cover dental disease at all. The most common disease in dogs and cats is periodontal disease (up to 90% of pets get it). Fetch’s full-mouth dental coverage gives you up to 90% reimbursement for periodontal disease and other dental injuries and illnesses.
Curry
Periodontal disease costs:
$6,126
Fetch paid back:
$4,417
How dental insurance helps dogs & cats live longer, healthier lives
1 out of 4 pets experience a traumatic dental injury in their lifetime, according to the Journal of Veterinary Dentistry. When left untreated, dental conditions can lead to bigger health problems. Fetch provides the most complete dental coverage so you can give your pet the best protection for more good days.
Up to 90% of dogs and cats have periodontal disease. Most pets start showing signs by age 3, according to Cornell University.
Fetch covers periodontal disease — some providers don’t cover any dental illnesses.
Nearly 7 out of 10 cats experience resorptive lesions (commonly causing teeth to be reabsorbed). These are typically treated by extraction.
Fetch covers resorption and extraction for every adult tooth — others only cover the canines.
Broken teeth make up about 50% of pet dental injuries, which isn’t surprising since dogs explore the world through chewing.
Fetch covers treatment for every adult tooth — not all providers do.
Fetch has the most complete pet dental insurance, covering what others don’t
Fetch is the only pet insurance with full-mouth dental coverage for injuries and illnesses. Others have limitations and restrictions: some only cover certain teeth (like the canines), some exclude endodontic procedures (like root canals) and some don’t cover dental disease at all. These limitations could cost you thousands of dollars if your pet needs treatment for gum disease, extensive dental surgery or other issues.
 |  |  |  |  |  |  |  | |
|---|---|---|---|---|---|---|---|---|
Covers every tooth, plus gums | |  | | | | | | Less coverage than Fetch |
Dental diseases covered | | |  | Costs extra | | | | |
Endodontic procedures | | | | Less coverage than Fetch | | Less coverage than Fetch | | |
 |  | |
|---|---|---|
Covers every tooth, plus gums | | |
Dental diseases
| | |
Endodontic procedures | | |
|  | |
|---|---|---|
Covers every tooth, plus gums | | |
Dental diseases
| | |
Endodontic procedures | | |
| | |
|---|---|---|
Covers every tooth, plus gums | | |
Dental diseases
| | Costs extra |
Endodontic procedures | | Less coverage
|
| | |
|---|---|---|
Covers every tooth, plus gums | | |
Dental diseases
| | |
Endodontic procedures | | |
| | |
|---|---|---|
Covers every tooth, plus gums | | |
Dental diseases
| | |
Endodontic procedures | | Less coverage
|
| | |
|---|---|---|
Covers every tooth, plus gums | | |
Dental diseases
| | |
Endodontic procedures | | |
| | |
|---|---|---|
Covers every tooth, plus gums | | Less coverage
|
Dental diseases
| | |
Endodontic procedures | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of Dec. 2025. All coverage is subject to policy limit.
No one covers more dental injuries or illnesses than Fetch
Dental accidents & dental illnesses
Fetch gives you the most complete coverage for dental injuries and illnesses in every adult tooth. Others only reimburse you for the 4 canines — even though two-thirds of dental injuries happen outside of the canines. This means you may have to pay thousands to cover your pet’s dental bills.
Periodontal disease
Gingivitis
Oral infections
Tartar buildup
Jaw fractures
Tooth resorption
Periodontitis
Abscessed teeth
Dental procedures
When your pet has a dental illness or injury, your vet may recommend a procedure to treat it. Fetch covers every vet in the U.S. and Canada, including specialists, so your pet can get the dental procedures they need for every adult tooth. Others don’t cover every vet or every tooth.
Root canals
Oral tumors
Broken teeth
Crowns
Oral surgery
Tooth extractions
Endodontic surgery
Splinting
Did you know?
When left untreated, dental issues in pets can lead to health risks like jaw fractures due to bone destruction and damage to kidneys and other organs due to chronic bacterial infection in the mouth, according to ASPCA (American Society for the Prevention of Cruelty to Animals).
Average cost for a root canal
$1,724
Fetch pays back: $1,551
The cost of dental insurance for dogs & cats
Top-rated on
“Dixie had a very expensive vet visit. Dental with the works — bloodwork, anesthesia, extractions. I was so pleased that Fetch reimbursed us.”
Heather B., Fetch Member
The cost of dental insurance for dogs & cats
When you sign up with Fetch, your insurance automatically includes coverage for dental accidents and illnesses. Fetch Pet Insurance costs $34/mo. for dogs and $22/mo. for cats, on average. Your price will vary depending on 3 factors: your pet’s age, breed and where you live. While other pet insurance prices can look less expensive than Fetch at first, their inferior coverage may end up costing you a lot more — especially when it comes to covering dental injuries and illnesses.
How incomplete dental coverage can cost you
Healthy Paws, Progressive and AKC don’t cover dental disease at all. So even if your monthly price is lower, you may have to pay thousands yourself if your pet is one of the 90% of cats and dogs who get periodontal disease.
Embrace, GEICO and Lemonade have a sublimit on dental coverage, which caps how much you can get reimbursed each year. Fetch has no sublimit on dental coverage.
Coverage for dental injuries & illnesses is included in every Fetch policy — at no extra cost
Get paid back up to 90% for these dental procedures and more with Fetch. You won’t find this protection with others.
Dental procedure | Cost (on avg.) per procedure |  pays back |
|---|---|---|
Root canal | $1,724 | $1,551 |
Periodontal (gum disease) | $1,389 | $1,250 |
Oral surgery | $620 | $558 |
Add Wellness coverage to your pet insurance for reimbursements on teeth cleanings & more
Routine dental care helps your pet live a longer, healthier life
Fetch offers dental cleaning coverage when you add Fetch Wellness. Dental exams are considered routine care, which means they’re not typically included with standard pet insurance plans. Annual exams don’t just keep your pet’s teeth clean — they also catch early signs of dental disease before they evolve into a more painful illness.
Periodontal disease in pets is preventable, and it takes a combination of treatment and routine care to keep their mouths healthy.
How claims and reimbursements work for dental pet insurance
1
Pay the vet
With Fetch, you can use any vet in the U.S. or Canada — we even cover specialists and emergency clinics. Just remember: You pay your bill at the vet’s office.
2
Submit a claim
Snap a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get paid back fast
Claims are typically processed in less than 10 days. Once approved, you'll get paid back up to 90% straight to your bank account via direct deposit.
Fetch does not cover pre-existing dental conditions — in general, no pet insurance does. A pre-existing condition is defined as any injury, illness or condition that you or your veterinarian notice either before you enroll in insurance or during the waiting period of up to 15 days. Any claims for treatment related to a pre-existing condition will not be covered.
Questions about dental insurance for dogs & cats — answered
Does Fetch Pet Insurance cover dental cleanings?
How much does a pet dental cleaning cost without insurance?
Is pet dental insurance worth it?
Does Fetch Pet Insurance dental coverage have a cap?
What dental procedures does Fetch Pet Insurance cover?
Does Fetch Pet Insurance cover pre-existing dental conditions?
What's the difference between dental accident and dental disease coverage?
