Dental issues are quite common in pets like dogs and cats. Therefore, if you own either of these pets, it's crucial to ensure that your pet insurance includes dental coverage. 80% of dogs develop periodontal disease by the age of three. When this happens, tooth extraction often becomes the only solution, which can cost you anywhere from $2,000 to $3,000.
That's why, when choosing pet insurance, we compare the dental coverage offered by companies like Embrace Pet Insurance and Pumpkin Pet Insurance. However, this comparison shouldn't depend solely on the company's reputation or brand value, or even how popular they are. What's most important is whether the insurance will fully cover your future bills, partially cover them, or not cover them at all.
Most pet owners simply check if dental coverage is included in the pet insurance plan and then purchase it, assuming that any dental problem their pet might have will be covered. This is where many people make a mistake.
According to new regulations in 2026, the industry has undergone some changes, and dental coverage has been divided into two different categories: Dental Accident and Dental Illness. Dental Accident is quite common; it covers things like broken teeth, fractures, or chipped teeth resulting from an accident. Companies readily provide this coverage. The second category, Dental Illness, covers gum disease, periodontal disease, infections, and multiple tooth extractions. This is a much more expensive option.
Both companies offer different types of facilities; one is cheaper but limited, while the other is more expensive but covers tooth extractions. Ultimately, the best choice depends on your budget and your pet's health condition. In this blog, we will provide a definitive comparison of Embrace vs. Pumpkin Pet Insurance dental coverage to clear up all your doubts.