Best Pet Insurance with Dental Coverage in the UK
Dental care is an important aspect of your pet’s overall health, yet it is often overlooked by many pet owners. Dogs and cats can suffer from dental issues like gum disease, tooth decay, and periodontal disease, which can affect their quality of life. Pet insurance that covers dental care can help manage the cost of treatments such as dental cleanings, extractions, and other necessary dental procedures. In this guide, we will explore the best pet insurance options in the UK for 2025 that offer dental coverage, highlighting their features, benefits, and what to consider when choosing the right plan for your pet.
Why Dental Coverage is Important for Pets
Dental health is crucial for your pet’s well-being, as dental disease can lead to a variety of other health problems, including heart disease, kidney disease, and diabetes. In fact, by the age of 3, approximately 80% of dogs and 70% of cats will show signs of dental disease. Regular dental checkups and cleanings can help prevent serious issues, but these treatments can be costly without insurance.
Pet insurance that includes dental coverage can help with the cost of dental treatments, including:
- Routine cleanings: Preventative care to remove plaque and tartar build-up.
- Extractions: Removing teeth that are damaged or infected.
- Dental surgery: Necessary procedures for serious dental conditions, such as abscesses or fractured teeth.
- Emergency dental care: Coverage for dental injuries resulting from accidents.
Top Pet Insurance Providers with Dental Coverage in the UK (2025)
There are several pet insurance providers in the UK that offer policies with dental coverage. Below are some of the best options for 2025, highlighting their key features, coverage options, and what to consider when choosing a plan for your pet:
1. **Petplan**
Overview: Petplan is one of the UK’s most trusted pet insurance providers, known for its comprehensive policies. Petplan offers dental cover as part of their standard pet insurance policies, particularly in their “Lifetime” plans. This includes coverage for both routine dental care and emergency dental treatments.
- Key Features:
- Cover for dental treatment resulting from accidents, injuries, or illnesses.
- Dental cleanings and extractions included in their policies for illnesses or injuries related to dental health.
- Lifetime policies that cover ongoing dental conditions like gum disease or periodontal disease.
- Access to 24/7 vet helplines and easy online claim submissions.
- Considerations:
- Dental treatment may be excluded for conditions arising from lack of routine care or if they’re considered preventative.
- Higher premiums for senior pets or pets requiring frequent dental care.
2. **Direct Line Pet Insurance**
Overview: Direct Line offers a variety of pet insurance policies, including lifetime cover with dental care included. Their policies provide coverage for dental treatments necessary due to accidents or injuries, as well as coverage for dental surgery in case of more severe dental conditions.
- Key Features:
- Lifetime cover for dental accidents and injuries.
- Dental surgery and treatment costs covered under their illness and accident plans.
- Option to add third-party liability and abroad cover to your policy.
- Fast claims processing and 24/7 access to a vet helpline.
- Considerations:
- Not all dental treatments are covered; preventative care like regular dental cleanings may not be included.
- Premiums may increase for older pets with existing dental issues.
Visit Direct Line Pet Insurance
3. **More Than Pet Insurance**
Overview: More Than offers pet insurance policies with flexible coverage options for dental care. Their plans cover emergency dental treatments, including extractions and surgery, and include dental care arising from accidents or illnesses.
- Key Features:
- Cover for dental injuries and illnesses, including abscesses and fractures.
- Access to optional add-ons for preventative dental care.
- Lifetime cover with no upper age limit for pets enrolled before their 8th birthday.
- Quick claims processing and a helpful customer service team.
- Considerations:
- Does not cover dental care related to routine cleaning unless it’s required due to illness or injury.
- Older pets may experience higher premiums for dental coverage.
4. **John Lewis Pet Insurance**
Overview: John Lewis offers high-quality pet insurance policies, including those that cover dental treatments for accidents or illnesses. Their “Lifetime” plans provide coverage for chronic dental conditions, including gum disease and dental abscesses, which are common in senior dogs.
- Key Features:
- Lifetime policies with cover for dental accidents and injuries.
- Cover for dental conditions like periodontal disease and oral infections after treatment has been administered by a vet.
- Access to a 24/7 vet helpline for emergency advice.
- Considerations:
- Does not include coverage for routine dental cleanings unless related to an illness or injury.
- Higher premiums for older pets with existing dental issues.
Visit John Lewis Pet Insurance
5. **Bought By Many Pet Insurance**
Overview: Bought By Many is a newer provider in the UK pet insurance market but has quickly gained a positive reputation for offering tailored coverage options, including dental care for accidents and illnesses. Their policies are flexible and customizable to suit the specific needs of your pet, including coverage for dental care.
- Key Features:
- Customizable lifetime policies with coverage for dental conditions that develop after enrollment.
- Cover for dental surgery and extractions caused by injuries or diseases.
- Access to 24/7 vet advice and a fast claims process through their online platform.
- Considerations:
- May not cover dental care as part of the standard policy unless it arises from illness or injury.
- Limited availability of wellness add-ons for routine dental care.
Factors to Consider When Choosing Pet Insurance with Dental Coverage
When selecting a pet insurance policy that includes dental coverage, it’s essential to consider the following factors:
- Dental Treatment Coverage: Ensure the plan covers emergency dental treatments, including extractions and surgeries, in addition to preventive care such as dental cleanings.
- Preventive Care: Some insurers offer optional add-ons or premium plans that cover routine dental care, like cleanings and checkups, which can help prevent long-term dental issues.
- Lifetime Coverage: For pets with long-term dental needs, lifetime coverage ensures that they are covered for ongoing conditions without limits on claims each year.
- Exclusions: Carefully review what dental conditions are excluded from the policy. Many plans do not cover pre-existing dental conditions, so early enrollment is key.
- Premiums and Excess: Premiums for dental coverage may be higher, particularly for older pets or pets with existing dental issues. Consider how this fits within your budget.
Conclusion
Dental care is an essential part of your pet’s health, and having insurance that covers dental treatments can help manage the cost of veterinary care. Providers like Petplan, Direct Line, More Than, John Lewis, and Bought By Many offer comprehensive plans with dental coverage for pets. By comparing coverage options, exclusions, and premiums, you can find the best pet insurance for your pet’s dental needs and ensure their oral health is well taken care of in 2025.