Does Pet Insurance Cover Dog Dental Wash? Best Plans & Costs Compared (2025)

What Is a Dog Dental Wash and Why It Matters
When it comes to the dog’s oral health, many owners are confused between tooth wash and tooth cleaning. A tooth cleaning usually means a complete professional process on the veterinarian, which often includes anesthesia, scaling and shining. On the other hand, a tooth wash is a milder, preventive measure – it prefers to renew or rinse your mouth with a safe veterinary solution to reduce bacteria, check the plaque build -up and update your breath. Think of it as daily oral hygiene compared to a deep dental visit.
Why is this thing happening so much? Because dogs, humans, glue diseases, tooth decay and painful infections may suffer if their oral hygiene is ignored. Poor dental care not only stops bad breath – bacteria in the mouth can move in the bloodstream, affecting the heart, liver and kidneys. This makes oral health an important part of the dog’s general well -being and long -lasting health.
Regular tooth wash cannot replace professional cleaning, but they play an important role in prevention of disease. They help reduce tartar buildings, keep your gums healthy and make the veterinarian more and more affordable. With simple words, a small step like a tooth wash can save your dog from big problems later.
Does Pet Insurance Cover Dog Dental Wash?
One of the biggest questions for the dog’s parents is whether pet insurance will cover a tooth wash. To answer this correctly, it helps to understand how insurance companies separate the coverage. Most standard pet insurance plans focus on the treatment of injuries and diseases – this means that if your dog breaks a tooth in an accident, develops a dental infection, or requires surgery due to a serious oral question, these costs can be covered. It is considered a “medical treatment”.
But a preventive tooth wash is usually not in the same category. Insurance providers often classify it as a regular or welfare process, such as vaccines, nailing or flea prevention. Because it is aimed at prevention instead of treatment, many basic insurance plans exclude it. However, some companies offer ad-on “well-being package” or high-level plans, including coverage for things like tooth cleaning and sinks.
It is important to read nice print. Some insurance companies make a clear difference between a professional tooth cleaning and a simple tooth wash or rinse during the anesthesia, and they can only cover the east when it is medically necessary. When you know how your vendor defines and classifies a tooth wash, will later save you the unexpected cost of packages.

Which Pet Insurance Plans Cover Dog Dental Cleaning
Not all pet insurance providers treat dental care, and where most of the pet parents are confused. Popular companies such as popular companies, figo, FIGO, Lemonade, Metlife and Aspca Pet Insurance offer some level tooth coverage – but the details mean something. In almost all cases, dental problems are related to illness or accident (for example, infected teeth, fragmented corner or treatment of gum disease) included in standard accident and preparatory schemes. This is because these problems are considered medically essential.
Where things become difficult, with preventive tooth cleaning and sinks. Most insurance companies exclude them from basic policy when considering regular care. However, some suppliers give you the opportunity to buy wellness ad-on or preventive care package. For example, clamps and FIGO Wellness riders allow reimbursement of the cost of regular cleaning. Lemonade, metalife and aspcas also provide preventive coverage options, but usually upgrade instead of standard distributors.
The main difference lies in treatment versus prevention. If your dog needs medical help for dental disease, insurance can help.
Pet Insurance Providers and Their Dental Coverage
Provider | Dental Illness Coverage | Preventive Dental Cleaning Coverage | Notes |
---|---|---|---|
Embrace | ✔️ Covers dental illness & injury | Optional Wellness Rewards add-on | Good for combining illness + routine care |
Fetch | ✔️ Dental illness & trauma included | ❌ No routine cleanings | Strictly treatment-based |
Figo | ✔️ Dental disease & injury covered | ✔️ Available via Wellness add-on | Flexible upgrades |
Lemonade | ✔️ Dental illness covered in base plan | ✔️ Preventive cleaning via Wellness package | Affordable add-ons |
MetLife | ✔️ Covers dental injury & disease | ✔️ Preventive care add-ons available | Broad coverage options |
ASPCA | ✔️ Dental illness coverage | ✔️ Routine care only with Preventive plan | Must upgrade for cleanings |

Best Dog Dental Insurance Plans in 2025
When it comes to keeping the dog’s teeth and gums healthy, each insurance plan is not made the same. Some focus mainly on illness and accident coverage, while others go to extra miles and offer wellness ads that actually help with regular tooth cleaning. This is why choosing the right supplier can lead to a big difference, not only for the health of your pets, but also for your wallet in a long time.
Pet Insurance is popular as it combines strong disease coverage with alternative well -being rewards, which can refund you for preventive tooth cleaning. The negative side is that additional improves your prize, but the opposite is the real peace of the mind.
Figo also shines by covering the dental disease, and allows wellness ad-on. It is digitally first and easy to manage, although some pet owners reveal that reimbursement can take longer.
Lemonade is a new alternative, but is very cheap, solid dental disease offers coverage and a simple wellness package. The limit is that the network and history are not as long as traditional suppliers.
Meanwhile, Aspca and metalife provide reliability and faith, with coverage for tooth damage and alternative cleaning. However, their plans can cost slightly higher than budget -friendly alternatives.
In short, the best plan depends on whether you alone affect widespread disease safety – or want more benefits of preventive cleaning produced in your insurance strategy.
Best Dog Dental Insurance Plans (2025)
Provider | Pros | Cons |
---|---|---|
Embrace | Covers dental illness & optional wellness cleanings | Wellness add-on raises premium |
Figo | Digital-first, illness + wellness add-ons available | Reimbursement may be slower |
Lemonade | Affordable, easy-to-use app, covers cleanings with wellness package | Newer provider, limited track record |
ASPCA | Trusted brand, illness & preventive options available | Plans can be more expensive |
MetLife | Broad coverage, preventive care add-ons offered | Premiums slightly higher than competitors |
Cost of Dog Dental Wash With and Without Insurance
Costs can be fantastic when pet owners first listen to professional cleaning of dog tanks or tooth wash. On average, the United States is a single tooth cleaning for dogs between $ 200 and $ 700, which is based on the clinic, anesthesia and about extracts or X -rays are needed. Without insurance, this cost comes directly from the pocket and requires more frequent care for families with many pets or senior dogs, it can quickly add up to thousands of dollars in a few years.
Now where pet insurance can make a real difference. Standard accident and disease policy usually do not cover preventative tooth cleaning, but when you add a welfare or preventive care package, you can get partially or even complete a reimbursement for regular tooth wash. For example, an insurance cleaning cost can be repaid from $ 150 to $ 400 per year. This reduces the economic load and makes it more realistic to maintain continuous oral hygiene care for their pets.
Key Take away? Investing in insurance with dental ads not only saves money-it encourages regular check, helps to prevent costly dental disease and eventually create long-term belief in your decision as the owner of a responsible pet.

Affordable Dog Dental Insurance Options
Many pet parents hesitate to buy dental insurance because they think it will always be expensive, but that is not entirely true. There are several budget -friendly suppliers in 2025 that provide alternatives for tooth coverage without breaking the bank. Companies such as Lemonade, Figo and Aspca Pet Health Insurance are known for reasonable basic policies that can be adapted to alternative additions. If you choose the right package, these schemes offer the opportunity to cover dental disease and preventive dental care, while still keeping the premium low.
The real feature is to understand the value of wellness ad-on. As they increase your monthly prizes a bit, they often refund a large part of regular tooth cleaning or washing expenses. This means that instead of paying hundreds of pockets for each cleaning, you spread costs in predicted monthly payments, which is easy on most budgets. In addition to savings, wellness encourages regular preventive care, which later reduces the risk of more severe (and expensive) oral health problems.
In short, cheap dental insurance does not just mean “cheap”. This means that coverage, menstrual costs and proper balance between preventive benefits so that your dog gets the right dental care while you are financially comfortable and confident in your decision.
🐶 Affordable Dog Dental Insurance Options – 2025
Provider | Avg. Monthly Premium | Dental Coverage Type | Wellness Add-ons | Pros | Cons |
---|---|---|---|---|---|
Lemonade | $15 – $30 | Covers dental illness | Yes (add-on) | Low premium, fast claims, user-friendly app | Preventive dental only with add-on |
Figo | $20 – $35 | Covers dental illness & injury | Yes (add-on) | 24/7 vet telehealth, customizable plans | Add-ons required for cleanings |
ASPCA Pet Health | $25 – $40 | Covers dental disease | Yes (wellness plan) | Wide coverage, trusted brand | Slightly higher monthly cost |
MetLife | $20 – $32 | Covers dental accident/illness | Yes (add-on) | Multi-pet discount, flexible limits | Preventive dental not in base plan |
Embrace | $25 – $38 | Covers dental illness up to annual max | Yes (wellness rewards) | Covers advanced treatments | Add-on cost can increase premium |
How to Choose the Right Plan for Dental Wash Coverage
Choosing the right pets to cover tooth wash is not just about choosing the cheapest option, it is about finding a policy that actually meets the dog’s long health requirements. Some plans may look attractive on the surface with a low monthly premium, but when you look carefully, you will often find exclusion for preventive care such as tooth wash or boundaries that make cover less useful. This is why the first step is to read the fine pressure carefully and see how dental care is classified as part of the disease coverage, accident coverage or wellness ad-on.
When comparing guidelines, you must be full attention to the annual limit, cuts and reimbursement rate. A high reimbursement percentage can cost a little more each month, but it can save you hundreds of dollars when there is a time for cleaning or unexpected dental treatment. You should also see exclusion, as many insurance companies will not cover existing dental diseases, and one year can limit the number of cleaning, even if you buy wellness coverage.
The best way is to balance the ability of wide benefits, focusing on suppliers that provide transparent conditions, flexible AD-ON and reliable customer support. This way you want to protect not only the dog’s smile, but also the security.
- ✅ Check if the plan covers routine dental wash or only illness/injury.
✅ Look at annual limits and reimbursement % (ideally 70–90%).
✅ Review exclusions (pre-existing dental issues often not covered).
✅ Consider wellness add-ons if you want cleanings included.

FAQs About Dog Dental Wash and Insurance
Is routine dog dental wash covered by insurance?
Most standard pet insurance plans do not include routine dog dental wash under base coverage. However, many providers offer wellness add-ons that can reimburse for preventive cleanings and washes.
What’s the difference between dental illness and dog dental wash?
Dental illness coverage usually applies to conditions like infections, fractured teeth, or gum disease, while a dog dental wash is considered preventive care to keep your pet’s mouth clean and healthy.
Which pet insurance is best for dental health and cleanings?
Top providers like Embrace, Fetch, and Figo include optional wellness plans that can cover routine dog dental wash, while still protecting against dental illness treatments.
Can I buy dog dental wash coverage separately?
Yes, some companies allow you to purchase wellness add-ons or standalone preventive care plans that specifically cover services like dog dental wash and annual cleanings.
How much does a dog dental wash cost without insurance?
The average cost of a dog dental wash ranges between $200 and $700. With insurance or a wellness add-on, you may be reimbursed for a large portion of this expense.
Does pet insurance cover dog dental wash for senior dogs?
Coverage depends on the insurer. Some providers exclude routine dog dental wash for older pets, while others allow it with wellness add-ons, as long as no pre-existing dental disease is present.
Conclusion
Before we go to the conclusion, it is worth remembering that dental care for dogs is not just about stopping bad breath – this is about protecting their general health, comfort and long life. Many pet parents do not feel that untreated dental problems can cause painful infections, expensive surgery and even complications that affect important organs. This is why a dog formation washing is, to understand how insurance companies classify it, and the plans that provide the best coverage provide, which can make a big difference in long -term care.
By comparing the suppliers, looking at wellness-ad-on, and the weight of the costs, with and without costs, you can make an informed decision that balances both health and strength. When pet parents choose carefully, they not only save money, but also make sure their beloved companions enjoy a healthy, happy life with strong and clean teeth.
If you are looking for ways to keep your pets healthy and save money at the same time, you may want to read our wide guide on pet insurance without any waiting time.
, Many dog owners combine tooth coverage with extensive welfare benefits, so that they can handle everything from vaccination to emergency room under a plan. Adding dental health with general preventive care helps to create a strong base for the dog’s good and reduce long -term expenses. In this way, you not only protect the puppy’s smile but also ensure their future health
📅 Last Updated:
✅ Reviewed & Verified by: M. Nouman, Pet Insurance Researcher
📖 This article on Does Pet Insurance Cover Dog Dental Wash? Best Plans (2025) is regularly updated to ensure accuracy and provide expert-backed insights for pet parents. Read the full guide here.

About the Author 📚
M. Nouman is a dedicated pet insurance researcher with over 7 years of experience helping U.S. pet parents find affordable, trusted coverage. Working closely with veterinary professionals, Nouman ensures that every article on PetCoverUSA is accurate, reliable, and backed by real data.