Introduction
Dental issues are among the most common—and costly—reasons for vet visits. Yet not all insurers provide full dental cover. According to MoneyHelper, pet owners should check whether their policy includes dental treatment, as exclusions can lead to unexpected bills.
In this guide we compare the best UK pet insurance policies in 2025 that include dental cover, either for accidents or full illness treatment.
Why Dental Cover Matters
Tooth decay, gum disease, and oral infections can cause serious health problems in pets. Without cover, dental procedures can cost hundreds of pounds per visit. Comprehensive pet insurance that includes dental treatment helps protect against these expenses while supporting long-term wellbeing.
Types of Dental Cover in Pet Insurance
Most UK insurers split dental cover into two types:
- Accidental dental cover: Treats injury or broken teeth caused by accidents.
- Full dental cover: Includes illness-related treatment such as extractions or gum disease, usually after a 12-month waiting period.
Always check whether your provider requires annual dental check-ups, as missing them may void claims.
Petplan – Full Dental Cover as Standard
Petplan remains one of the most comprehensive options for 2025.
- Coverage: Dental treatment for both accidents and illness, included automatically in Lifetime and Classic policies.
- Requirements: Annual vet dental checks must be recorded.
- Limit: Up to the overall vet fee limit (£7,000–£15,000 depending on plan).
Petplan’s approach makes it one of the few mainstream providers offering full dental care as standard. Details can be confirmed on the Petplan Pet Insurance website.
Agria Pet Insurance – Dental Care for All Pets
Agria also provides full dental illness cover under its Lifetime plans, covering teeth and gums affected by disease or decay.
- Scope: Dental, gum, and oral treatments covered when pets receive yearly check-ups.
- Benefit: No sub-limit on dental within the vet fee allowance.
- Why It’s Notable: Agria consistently scores well for dental claims in independent reviews.
Read more on the Agria Pet Insurance site.
ManyPets – Dental Accident Cover and Optional Add-Ons
ManyPets includes accidental dental cover across its policies and offers limited illness dental cover when linked to routine care options.
- Accidental: Covers chipped or broken teeth.
- Illness: Included only in upgraded “Complete” plans.
- Exclusions: Preventive dental cleaning not covered.
More about this in our earlier feature, Do ManyPets Cover Dental UK 2025.
Other Insurers with Partial Dental Cover
Several mid-tier insurers include some form of dental protection:
- Sainsbury’s Bank: Covers dental injury only.
- Tesco Bank: Accident-only dental cover unless upgraded.
- Co-op: Dental care for accidents and limited illness with annual check-ups.
You can verify dental coverage conditions directly with each insurer or through the Association of British Insurers (ABI).
Comparing Dental Cover Terms
| Provider | Dental Illness Cover | Accident Cover | Annual Check-up Required | Included in Base Plan |
|---|---|---|---|---|
| Petplan | Yes | Yes | Yes | Yes |
| Agria | Yes | Yes | Yes | Yes |
| ManyPets | Limited | Yes | Yes | Upgrade |
| Sainsbury’s Bank | No | Yes | Yes | Yes |
| Tesco Bank | No | Yes | Yes | Optional |
| Co-op | Partial | Yes | Yes | Yes |
How to Choose Pet Insurance That Covers Dental Treatment
When comparing policies:
- Check if illness dental treatment is covered or if the plan limits it to accidents.
- Ensure annual vet check-ups are mandatory for maintaining cover.
- Confirm whether routine dental cleaning is excluded—it usually is.
- Always compare vet fee limits, excess, and waiting periods before choosing a plan.
For general advice on pet insurance cover types, see MoneyHelper’s pet insurance guide.
Related Reading
- Do ManyPets Cover Dental UK 2025
- Compare Pet Insurance Brands UK 2025
- Agria Pet Insurance Trustpilot Reviews UK 2025
FAQs – Pet Insurance that Covers Dental Treatment UK 2025
Which pet insurance includes full dental treatment?
Petplan and Agria both include dental treatment for accidents and illness as standard, provided annual check-ups are done.
Does ManyPets cover dental illness?
Only the upgraded “Complete” plan includes limited illness dental cover. All policies include accident-related dental care.
Are annual dental check-ups required for cover?
Yes. Most insurers make them compulsory, and missed check-ups can invalidate claims.
Is dental cleaning included in pet insurance?
No, professional cleaning is classed as preventive care and must be paid for separately unless part of a routine-care add-on.
Conclusion
Finding pet insurance that covers dental treatment in the UK for 2025 requires close reading of the small print.
Petplan and Agria lead with full dental illness cover, while ManyPets, Tesco, and Sainsbury’s mainly limit it to accidents.
Always verify the annual dental exam requirement before buying—insurers will expect proof at claim time.
A well-chosen policy can save hundreds in vet bills while ensuring your pet’s health and comfort.
