Posted by We all know that having dental insurance in Canada is almost compulsory as the cost of maintaining very great oral health in Canada is relatively high. You have to go for regular check-ups and oral examinations in order to avoid unnecessary dental issues, and these issues can be covered by a dental plan.
Interetsingly, a lot of Canadians do not have dental insurance. An estimated 7 million Canadians, or 20% of the population, do not have health insurance. You don’t need to worry, as we will highlight over 20 dental insurance in Canada for you.
Let’s get started.
Table of Contents
Types of Dental Insurance Plans in Canada
The following are the types of dental insurance plans in Canada:
- Preferred Provider Organizations (PPOs)
- Health Maintenance Organizations (HMOs)
- Indemnity plans
Preferred Provider Organizations (PPOs) are popularly known to offer a broad network of dentists, allowing you to receive care from both in-network and out-of-network providers. It’s so obvious to us all that PPOs provide us with more flexibility but may have higher premiums and deductibles.
Health Maintenance Organizations (HMOs) usually focus on providing comprehensive and cost-effective dental care. With HMO plans, you must choose a primary dentist from a designated network and require referrals for specialist visits. HMOs often have lower premiums and predictable copayments.
Indemnity plans, also known as fee-for-service plans, offer you the most flexibility but can be more expensive. They allow you to visit any dentist without being limited to a network. However, you may need to pay for services upfront and submit claims for reimbursement.
20 Best Dental Insurance in Canada
The following are the best dental insurance in Canada:
- Manulife
- Blue Cross
- Sun Life Financial
- Canada Life Dental
- Canada Protection Plan
- Empire Life
- Desjardins
- Equitable Life
- Alliance Financial
- Green Shield Canada
- Special Benefits Insurance Services
- Bridges International Insurance Services (BIIS)
- CAA Health and Dental
- Munsu Dental Plan
- Blue Country Insurance
- Equis Group Benefits
- SureHealth
- The EDGE Benefits
- AMA Insurance
- Publish Employees Benefits Agency
#1. Manulife Health and Dental
Manulife Dental in their quest to meet your needs and that of your loved ones, offers three coverage options:
- Flexcare Dental Insurance: A Flexible and Affordable Insurance plan personalized for you.
- Dental Guaranteed Issue Insurance: A Comprehensive Health Insurance Coverage.
- FollowMe Dental Health Insurance: This kind of plan commences once your Employee Health Benefit Ends.
They are also one of the known Health and Dental Insurance in New Brunswick, as they provide this kind of plan for the members of the University of New Brunswick, University of British Columbia, and Université du Québec à Montréal to help them fill in the gaps in their dental coverage, and they offer this value at an affordable cost.
#2. Blue Cross
Aside from offering you quality dental plans, they offer one of the Most Affordable dental insurance you will find in Ontario. And the good thing is that they have been doing this for the past 80 years and have over 7 Million dental-health insurance members across Canada.
They have also been recognized as leading health service partners for lots of people in New Brunswick, employers, and the government of Canada at large. Like Pacific Blue Cross will always say “Our plans pick up where government MSP leaves off”.
Blue Cross also offers one of the most cost-effective dental insurance coverage in Manitoba for the self-employed, working class, and others without workplace health benefits.
Just in case you want a dental plan just for yourself, Alberta blue cross provides flexible plans for individuals and families. If you fall into any of these categories, then you can access this dental plan…
- Student
- Retiree
- Self Employed
- Working part-time or
- On contract.
They offer you preventive, restorative, and orthodontics dental services. Their dental “plan A” is about $300/year
#3. Sun Life Financial
Sun Life is a private body that offers you dental insurance coverage for your Preventive, Restorative, and Orthodontics Dental care in Manitoba, Ontario, and other locations in Canada.
They offer you personal health insurance products that come with dental coverage. You can choose to get partial or full coverage for all types of dental procedures that they offer.
They majorly offer just 3 dental plans in Manitoba:
- Basic Plan
- Standard Plan, and
- Enhanced Plan
Check them out, and get insured.
#4. Canada Life Dental
Canadalife has been in the Health Insurance industry for over 175 years and they offer New Brunswick Medicare which is the provincial plan for all New Brunswick residents.
This provincial government health plan provides coverage for most of your basic dental services and doesn’t offer coverage for routine or major services such as cleanings, fillings, extractions, crowns, and dentures unless on a yearly basis.
They will provide you with dental coverage if you are eligible to get one. Here are the eligibility requirements:
- You must be lawfully entitled to be or remain in Canada
- You must make your home in the province.
If you are ordinarily present in Newfoundland and Labrador, or other chosen provinces, you can access this plan as tourists are not eligible.
Feel free to check them out.
#5. Canada Protection Plan
Aside from your dental health coverage, here are some other valuable benefits you can enjoy from your Canada Protection Insurance plans:
- Custom-Made
- Home Care and Nursing
- Prescription drugs
- Vision care
- Hospital Benefits and many more.
#6. Empire Life
The following are treatments involved in your Empire Life coverage:
- Fundamental Dental Care
- Orthodontics
- Periodontics and Endodontic
- Restorative services
The Empire Life Insurance Company is located at 259 King St. E. Kingston, Ontario, K7L 3A8. Feel free to learn more about them.
#7. Desjardins
Desjardins will cover any medical costs that your provincial dental health insurance plan does not pay for. One of the distinctive features is that they include Orthodontic treatments in some of their Individual plans which are normally rare.
Use the button below to learn more about them.
#8. Equitable Life
Here are some of the dental health services covered by Equitable Life:
- Preventive Services
- Diagnostic Services
- Restorative Services
- Major Dental Services
- Dental Surgical Services
- Endodontic Services
- Periodontal Services
- Denture Repairs
- Individual Orthodontic Services (Both Adult and Child)
#9. Alliance Financial
Aside from providing you with basic, preventative, major, and orthodontic care, you can use it if you have 20-52 employees. They also have a plan called “Cost Plus” that allows for a kind of reimbursement.
Check them out.
#10. Green Shield Canada
GSC offers you dental plans using Zones that will accommodate your needs, budget as well as family. GSC’s 100% dental plans in Zone 2 and Zone 3 cover your dental expenses for:
- Cleanings,
- Dental Examination and Diagnosis
- Fillings
- Root Canals, and
- Scaling.
#11. Special Benefits Insurance Services
SBIS really understand that your provincial health insurance usually doesn’t provide you with dental coverage and routine checks which is very vital for proper dental health, so they offer you a very affordable dental insurance plan.
They currently work with Green Shield Canada to offer you a variety of Standard and very affordable dental insurance plans which include:
- Prism Spectra®
- Prism Precision® and
- Prism Continuum® plans.
If you are in Saskatchewan, and you fall into this category of persons then you can enjoy the Saskatchewan Dental Insurance Plans:
- Retirees
- Self-employed workers
- Contract workers
- Students or over-age dependents
- Small business employees facing job loss
- Part-time employees
- Surviving spouses and divorcees
They are also recognized as one of the best dental insurance in Nova Scotia as they have lots of plans from Manulife Financial, GMS, and other providers to help meet your individual needs and fit your budget.
And whether you have a full-time or part-time job, have recently come off group coverage, or haven’t been covered in years… with SBIS, all that doesn’t matter.
Your dental coverage from SBIS will cover the expenses of routine check-ups, emergency visits to your dentist, and many others.
#12. Bridges International Insurance Services (BIIS)
They offer one of the best individual Dental and Extended Health Insurance plans in British Columbia.
In the BIIS plan, you will have access to:
- Core Health
- Prescription drug options (essential or enhanced)
- Dental options (essential or enhanced), and
- Stand-alone dental plan.
#13. CAA Health and Dental
CAA designed the CAA Health & Dental Insurance Plan for you, your family, professionals, small business owners, farmers, and others not covered by a group health and dental plan.
This CAA Health & Dental Insurance plan can help you reduce your payments for dental services as well as other common expenses like:
- Dental care
- Prescription drugs, and
- Eye exams many others.
CAA has partnered with Manulife for over 20 years, so they can offer you a range of affordable dental insurance plans for you and your families.
This dental insurance plan covers all levels of individuals including:
- The self-employed
- Retiring
- Retired or
- Anyone between jobs…
- Feel free to check them out.
#14. Munsu Dental Plan
This is a group health and dental insurance coverage offered to its students through the student union.
Below is the category of students eligible for this health and dental insurance plan in Newfoundland:
- Full-time domestic students
- Part-time students
- Work term students
- International students, and also
- The couple and Family coverage
#15. Blue Country Insurance
Blue Country Insurance works with Medavie Blue Cross to provide you with quality dental insurance plans in Halifax, Nova Scotia.
A few benefits with them include:
- Preventive Services
- Exams
- X-rays
- Restorative services
- Surgical services
- Denture services and many others.
Check them out
#16. Equips Group Benefits
This is an organization that offers personal health and Dental insurance plans.
Some of the coverage offered include:
- Extended Health care
- Drug coverage
- Basic & Routine Dental
- Major Restorative Dental
- Orthodontics Coverage, and others.
#17. SureHealth
SureHealth has been one of Canada’s only national not-for-profit health and dental benefits specialists since 1950. SureHealth, part of the amazing Green Shield Canada (GSC) offers you two dental insurance packages that will help you top up your Saskatchewan provincial dental health coverage.
You can check out these their plans:
- SureHealth Zone
- SureHealth Link
Except for kids under 10, who are qualified to get some dental services for free, their dental care is likewise not covered by RAMQ. Additionally, they don’t pay for standard dental care services.
SureHealth provides coverage for more things not covered by your AHCIP which include:
- Prescription drugs (unless administered in-hospital)
- Routine dental services
- Prescription eyewear
- Registered specialists and therapists (like chiropractors and registered massage therapists)
Feel free to learn more.
#18. The EDGE Benefits
The EDGE Benefits as part of the Agricultural Producers Association of Saskatchewan offers you Health and Dental plans that are customizable and scalable.
You can purchase the EDGE Health & Dental coverage on its own even if you’re not a member of APAS, though from our research and experience members get a discount.
You can check them out.
#19. AMA Insurance
AMA started in 1938 with about three different Health & Dental insurance partners. They have been providing quality health and dental insurance in Alberta, as their team of Life & Health Advisors can use their decades of expertise and personal experience to provide solutions for your needs.
If you reside in Alberta, you should know that the usual base provincial healthcare coverage isn’t enough to meet your needs.
#20. Publish Employees Benefits Agency
Here are some general eligibility requirements included in this plan:
Your coverage will begin after you complete a probationary period, which is about six months of continuous service.
After you have completed the probationary period, you may then send in claims for eligible dental expenses incurred According to your date of employment.
Learn more about them
Overview of the Dental Insurance in Some Canadian Provinces
To further make it easy for you to get your desired dental insurance in Canada, we also wrote this beautiful article in order of provinces, so you can just go for the one you want from anywhere you are. These are the Provinces:
- Ontario
- Saskatchewan
- Newfoundland
- British Columbia
- Nova Scotia
- New Brunswick
- Manitoba
- Quebec
- Alberta
Best Dental Insurance in Ontario, Canada.
The following are the best dental insurance in Ontario, Canada:
- Manulife Dental Insurance
- Ontario Blue Cross
- Sun Life Financial
- Canada Life Dental
- Canada Protection Plan
We have made a very comprehensive article on 10 dental insurance plans in this province, you can feel free to use the link in this subheading to check it out and make the best choice for yourself and your loved ones.
Best Dental Insurance in British Columbia, Canada.
The following are the best dental insurance in British Columbia:
- Special Benefits Insurance Services BC
- BCAA Health and Dental Insurance
- Manulife
Remember, We have done a comprehensive article on the dental plans (Up to 6+) in this province, kindly use the link on this subheading to check it out.
Best Dental Insurance in Newfoundland, Canada
The following are the best dental insurance in Newfoundland:
- Blue Cross Newfoundland & Labrador
- CAA Health and Dental
- Wade Abbott Dentistry
- CanadaLife
Use the link in this Subheading to access our comprehensive list of 6 dental plans in this province.
Best Dental Insurance in Nova Scotia, Canada.
The following are the Best Dental Insurance in Nova Scotia:
- Scotia Insurance
- Dental Programs by the Government of Scotia
- Health Association Nova Scotia
- Doctors Nova Scotia (DNS)
- Cosmetology Association of Nova Scotia
The list is up to 12! Just click the subheading to access our comprehensive article on the plans in this province.
Best Dental Insurance in Saskatchewan, Canada.
The following are the Best Dental Insurance in Saskatchewan:
- Saskatchewan Ministry of Health
- University of Saskatchewan Students’ Union (USSU)
- SureHealth
- The EDGE Benefits
- Resident Doctors of Saskatchewan Dental Plan
- Saskatchewan Retirees Dental Plan
Click the subheading to see a comprehensive work on up to 12 of the dental plans in this province in Canada.
Best Dental Insurance in New Brunswick, Canada.
The following are the top dental insurance in New Brunswick:
- NBCC
- Dental Program – Government of New Brunswick
- Manulife
- Blue Cross
- UNBSU
Feel free to click the subheading to see the comprehensive article on up to 7+ dental plans in this Canadian province.
Best Dental Insurance Manitoba, Canada.
The following are the best dental insurance in Manitoba:
- CAA Manitoba
- Heb Manitoba
- Manitoba Blue Cross
- University of Manitoba
The list is up to 7+. Feel free to check it out by using the link in this subheading.
Best Dental Insurance in Quebec, Canada.
The following are the Best Dental Insurance in Quebec:
- Quebec Blue Cross
- Sun Life
- Manulife
- SureHealth
Feel free to see our comprehensive article on this province using the subheading.
Best Dental Insurance in Alberta, Canada
The following are the Best Dental Insurance in Alberta:
- Student Union Alberta
- SBIS
- AMA Insurance
A lot to say about Alberta, Canada. Do you need a dental plan in Alberta? Feel free to use the link in this subheading.
FAQs on Dental Insurance in Canada
Can I use my dental insurance at any dentist in Canada?
In Canada, dental insurance plans often provide coverage for services performed by any licensed dentist. However, it's important to note that some insurance plans may have a network of preferred providers, and seeking treatment from dentists within this network may offer additional cost savings or reduced out-of-pocket expenses.
What does dental insurance in Canada typically cover?
Dental insurance plans in Canada vary in terms of coverage, but they generally include preventive care such as check-ups, cleanings, and X-rays. Basic dental procedures like fillings, extractions, and root canals are also commonly covered. Some plans may offer coverage for more extensive treatments like crowns, bridges, and dentures, but these may require additional premiums or have limitations on coverage amounts.
Are there waiting periods for dental insurance coverage in Canada?
Yes, many dental insurance plans in Canada have waiting periods before certain treatments are covered. Waiting periods are typically imposed to prevent individuals from immediately signing up for insurance only when they require expensive dental procedures. The length of waiting periods varies among insurance providers and specific treatments.
Important Recommendations
- 5+ Best Dental Insurance for Low-Income Families in Ontario
- 7+ Best Health and Dental Insurance in Ontario
- 9+ Cheapest and Most Affordable Dental Insurance in Ontario
- 15+ Quality Coverage for Low-Income Albertans
- 6+ Best Health and Dental Insurance in Alberta
Conclusion
You can attest to the fact that it won’t be easy staying without dental insurance coverage in Canada, as the cost of preventive, major, and restorative services is really high.
We have provided you with the best insurers as well as links that would lead you to very comprehensive articles we worked on, relating to the province of your choice. Do well to maximize this great opportunity.
Hope to see you again.