Pet healthcare is expensive — especially dental surgeries and emergency care. A well-rounded pet insurance policy should include accident, illness, emergency treatment, and dental procedures like extractions, gum disease, and injuries.
✅ Dental & Emergency Coverage Matters.
🦷 Dental Health Is Critical
Dental disease affects 80% of dogs and cats by age 3.
Dental issues can lead to kidney, liver, and heart problems if untreated.
Dental cleanings cost $300–$1,000, and extractions/surgeries can exceed $2,500+.
🚑 Emergencies Are Unpredictable
Accidents (e.g., car hits, fractures) or illnesses (like bloat or seizures) often require:
24/7 emergency clinic
Hospitalization
Surgery
IV fluids, imaging, or diagnostics
Emergency vet visits range from $800 to $5,000, depending on severity.
Good for mixed needs; add wellness plan for cleanings
Healthy Paws
❌ No dental illness
✅
✅
Great emergency-only coverage but no dental disease coverage
Pumpkin
✅ Covers tooth extractions, abscesses, decay
✅
✅
High annual limits; wellness add-on for dental cleanings
Spot Pet Insurance
✅ Covers dental illnesses & trauma
✅
✅
Fully customizable plans; clean UI and policy terms
💰 Average Cost Breakdown (Monthly Premiums)
Pet Type
Basic Coverage
With Dental & Emergency Add-ons
Small Dog
$30–$45/month
$45–$70/month
Large Dog
$40–$65/month
$60–$90/month
Cat
$20–$35/month
$35–$55/month
Premiums vary based on:
Age and breed
Location (urban vs. rural)
Plan deductible and annual max
🧠 How to Choose the Best Policy
✅ Step-by-Step Checklist
Confirm Dental Coverage ✔ Check for gum disease, broken teeth, extractions, anesthesia ✔ Prefer policies that include illness + injury, not just accidents
Ensure Emergency Services ✔ Must cover 24/7 ER visits, surgery, hospitalization ✔ Look for reimbursement rates: 80–90% is ideal
Review Waiting Periods ⏳ Dental: Often 6 months (shorter with some companies) ⏳ Accidents: Usually 2–5 days ⏳ Illness: Around 14 days
Add Wellness Plan for Preventive Dental 🪥 Cleanings, exams, fluoride: Usually add-on packages
Check Annual Coverage Limit Aim for $10,000+ or unlimited, especially for older pets
Claim Process 📱 Choose a provider with app-based claims, fast reimbursements, and 24/7 support
📝 Sample Policy Comparison: Figo vs. Fetch
Feature
Figo
Fetch
Dental Illness
✅ (tooth decay, abscesses)
✅ (full oral care)
Dental Accidents
✅
✅
Routine Cleaning
❌
❌ (add wellness rider)
Emergency Visits
✅
✅
Deductible Options
$100–$750
$250–$1,000
Annual Max
$5,000–Unlimited
Up to Unlimited
Reimbursement
70–100%
70–90%
📌 Real-Life Claim Example
🐶 Bella the Beagle
Age: 5
Condition: Broken molar + emergency surgery + overnight stay
