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Pet insurance with dental cover

Pet insurance with dental cover

Keep your pet’s teeth healthy and strong with Sainsbury’s Bank Pet Insurance with dental cover as standard

Provided by Pinnacle Insurance plc

Dental cover for cats and dogs

Dental care for pets can be expensive. Unlike humans, pets often need to be put to sleep during dental procedures to prevent undue stress and stop them from biting or scratching vets. This means they need to be closely monitored before, during and after the procedure – all of which costs money. 

Our pet insurance with dental coverage could help cover the cost of dog, rabbit and cat dental care. With pet insurance that covers dental treatment, you’re not left out of pocket if your four-legged friend needs work on their pearly-whites. 

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*

Cat dental care cover

Cat dental care can help treat problems like cat gingivitis, toothache, and damage to teeth or gums due to accidents or injury. Keeping your cat healthy and happy is important, but dental treatment for cats can be costly. Cat dental insurance cover with Sainsbury’s Bank Pet Insurance comes as standard and could help you cover the cost of these treatments and other cat dentistry.  

Dog dental insurance

Taking care of your dog’s teeth is vital to make sure you have a healthy, happy companion. Dental problems can sometimes lead to behavioural issues in dogs, as animals react to pain differently than humans. 

Sudden changes to your dog’s behaviour may be a sign that they’re experiencing tooth pain. But dog dental prices in the UK can be expensive. Dog insurance with dental cover could help to fund the cost of dental treatments for your dog, so you never need to worry about your canine’s canines.  

What's covered?

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.

Pet dental insurance – added extras 

If you’re heading off on holiday with your pets, you’re still covered up to the policy limit for possible dental treatments. You get 90 days overseas cover in a policy year, in any country included in the UK government’s Pet Travel Scheme – PETS**.

Pet dental insurance 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 pet 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. We pay 99% of claims within 5 working days based on Sainsbury's Bank Pet Insurance claims data from July 2022 to June 2023.

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

Health tips for pets

Help on maintaining good dental habits and more

Explore dog breeds

Explore dog breeds

Which breeds are prone to dental problems?

 Know your vet

Know your vet

What to ask and when

Frequently asked questions

Are teeth covered on pet insurance?

Not all pet insurance plans cover dental care. If you want to know whether dental care is covered for your pet, check the policy documents. Sainsbury’s Bank Pet Insurance covers dental care for pets as standard.

Does lifetime pet insurance cover dental?

Some lifetime pet insurance plans cover dental care, but others don’t, or offer dental as an additional level of cover. Check your policy documents to find out if you’re covered before you sign up.

What’s classed as dental illness in dogs?

Dental illness in dogs includes common dental problems like plaque and tartar build up, as well as tooth abscesses, tooth rot and gingivitis.


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.


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

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