Dental cover for cats and dogs

Toothache is terrible and our dental cover helps to pay to get your pets back to happy and healthy. If your cat or dog needs dental treatment because of an illness or accident, our policy could cover it.

If you choose Sainsbury’s Bank for your pet insurance, you’ll get:

  • Access to the 24/7 Sainsbury’s Bank Vet Assistance helpline
  • Cover at home or if your pet is on holiday with you
  • Guaranteed discount for Nectar members*

What you’re covered for

We’ll cover the cost of dental treatment recommended by your vet up to the limits set out below and in your Certificate of Insurance.

Dental cover included in your vet fee limit (also including treatment abroad)

Time limited £3,000 Lifetime £2,500 Lifetime £5,000 Lifetime £7,500 Lifetime £10,000 Maximum benefit £3,000 Maximum benefit £6,000
Cover for 12 months or up to max amount below Covers up to max amount below each year Covers up to max amount per condition
£3,000 £2,500 £5,000 £7,500 £10,000 £3,000 £6,000

Please note that we won't cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

Added extras included with our dental cover

If you’re heading off on holiday with your pets, don’t worry about fees for any possible dental treatment. You get 90 days overseas cover in a policy year, in any country included in the UK government’s Pet Travel Scheme – PETS**.

There are a few costs we don’t cover

Our dental cover pays for most things to keep your pet’s teeth strong and their gums healthy. But there are one or two things we don’t cover.

We won’t cover:

  • Conditions you knew about before buying your insurance
  • Illnesses and symptoms occurring within 14 days of your policy start date or accidents occurring within 3 days
  • Dental treatment if your pet hasn’t had regular check-ups
  • Dental crowns, root canals or fillings

There are some breeds that we won't cover under our £10,000 limit which you can find details of in our FAQ section. Please note that we won't cover any pre-existing conditions and that terms, conditions, excesses and exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

How to claim on our dental cover

Making a claim is simple. You need to complete a claim form – call 0344 543 1032 or you can download one from My Pet Portal. 95% of claims paid within 5 days ^based on 2019 data for policies arranged by Pinnacle Insurance Ltd.

Before your vet treats your pet, it’s important to confirm that they can provide invoices and a full medical history.

If you are claiming for treatment overseas, we'll need:

  • An official receipt with your vet’s phone number and address
  • Your pets’ passport details (if the treatment was overseas)
  • Treatment notes from your vet

Guides to keep your pets smiling

Find out everything you need to know to keep your pets happy and healthy.

Health tips for pets

Help on maintaining good dental habits and more.

Get started
Explore dog breeds

Which breeds are prone to dental problems?

Learn more
Know your vet

What to ask and when

Learn more


Unsure about anything?

We get asked lots of questions from pet owners on dental cover and insurance. We’ve included a few of the most popular questions below. Check out our FAQs for answers to everything else.

Browse our FAQs

To make sure you’re covered for dental treatment, your pet needs an annual check-up. It can be a bit longer if that’s what’s recommended by your vet. You will also need to show us that you’ve followed all advice given to keep your pet’s teeth healthy.

Yes, we’ll cover the care they need, just so long as the accident wasn’t in the first three days of your policy.


Buy pet insurance with dental cover now

If you’d like to get a quote for your pet insurance, you can get started right away. If you’re ready, we’re ready.

Find out more

Need to talk to us?

If you need to talk, give us a call and we’ll do our best to help.

0344 543 1032

Other contact details.

We’re here Monday to Friday, 8am-6pm and Saturday, 9am-1pm. Calls are charged at local rates from landlines and mobiles and may be monitored and recorded.

Important information

Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.

Sainsbury's Bank plc acts as an introducer to Pinnacle Insurance plc who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. Sainsbury’s Bank plc and Pinnacle Insurance plc are not part of the same corporate group.

*Guaranteed discount for Nectar members: The discount is based on information related to you and the transactions you've made with Sainsbury's supermarkets and Sainsbury's Bank using your Nectar card. For more information go to sainsburysbank.co.uk/nectar.

**The PETS (England) Order 1999 covers over 20 countries and you must comply with the requirements it carries.

^Based on claims paid in 2019 by Pinnacle Insurance plc.