9+ Cheapest and Affordable Dental Insurance in Ontario

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Finding a list of the Cheapest dental insurance in Ontario can be a challenge, especially because the cost of living is high. However, did you know that there are options available that can help you save money on your dental care?

In this article, We have provided you with a list of the most affordable dental insurance plans available in Ontario, so you can find the one that’s right for you.

At the end of the Article, you will discover how you can get the dental care you need at a price you can afford.

Let’s Go!

The 5 Cheapest Dental Insurance in Ontario

Here is a list of the 5 Cheapest Dental Insurance in Ontario:

  • Ontario Blue Cross
  • Special Benefit Insurance Services
  • Green Shield Canada
  • Pacific Blue Cross
  • SunLife Dental Insurance

#1. Ontario Blue Cross

They are part of the Blue Cross brand, which is one of the world’s most trusted and recognized health insurance brands. They have been in service for over 80 years! They have over 7 million health insurance members across Canada.

Ontario Blue Cross is known for its passionate efforts to provide affordable private dental health insurance plans for residents of Ontario. They find a way to make up for the expenses of most dental treatments and surgeries, making it very affordable for you.

Reviews have it that Ontario Blue Cross offers one of the best health and dental insurance plans. You can check our well-written content regarding the combination.

Their dental plans are very flexible for you and your loved ones, with no deductibles. With their elementary plan option, you can customize the insurance plan to specifically meet your needs and your specified budget. 

Cost: Their coverage starts from 60% (500 per year)

Click the button to learn more about them

#2. Special Benefits Insurance Services

SBIS is an Independent broker that offers you one of the cheapest dental insurance you can find in Ontario. Suppose you don’t qualify for group benefits, they can assist you by giving you access to a supplementary Ontario Insurance plan from the best dental insurers in Canada.

This is simply what they do; They work with you directly to clearly understand and point out your specific dental needs, then link you to the most suitable dental carrier for you! That’s a really beautiful one.

Reviews from one of the cheapest dental insurance Ontario - SBIS
Source: SBIS – Reviews from one of the cheapest dental insurance Ontario

This alone will save you both the time and money you would probably spend in search of the best dentist to solve your dental issues. From our experience, SBIS has several quality dental insurance carriers.

Cost: One of their carriers Manulife does a yearly maximum for basic dental services for $400

Use the button below to check their carriers and see how affordable the Insurance plans are.

#3. Green Shield Canada

Green Shield is one of the most recognized not-for-profit dental insurance carriers in Canada. For over 65 years, they have been consistent and committed to providing helpful health insurance plans to meet the dental needs of thousands of Canadians.

See this, They make over $1.3 billion in annual revenue and the shocking fact is that this revenue goes right back to providing quality services to their members in the insurance plan. In Ontario, they are also known to offer one of the best dental insurance plans for individuals.

Their quest to make dental insurance very affordable for the people of Ontario has been well-recognized over time.

Cost: GSC dental insurance plan for the first year of coverage is $600

Click the button to learn more about their Insurance plans

#4. Pacific Blue Cross

Pacific Blue Cross is one of Canada’s most trusted Health Benefits societies. This not-for-profit organization provides Health, Dental, and other coverages through Individuals plans and group benefits.

They aim to provide affordable to the best dental health care to people in Ontario. They believe so much in Resulted Oriented Accountability.

Pacific Blue Cross offers a Stand Alone Dental Plan, for everyone who wants to get affordable dental coverage without really buying an individual health plan.

Cost: To get their quality dental coverage for yourself, You will pay $39 monthly or $439 yearly.

#5. Sun Life

This is a dental health insurer in Canada that offers oral insurance plans at very fair rates. They also help Ontarians build a healthy savings culture and a culture of preventive oral health practices.

They have been in service for over 150 years.

Some Dental Services from One of the Cheapest Dental Insurance in Ontario
Some Dental Services from One of the Cheapest Dental Insurance in Ontario

Cost: They offer you 60% coverage for your preventive dental care up to a yearly maximum of $500.

Click the button below to learn more about this Basic Plan.

Dental Insurance in Ontario, Canada

We all know that everyone deserves proper dental health care and routine visits to the dentist including;

  • Children
  • Adults, and
  • Seniors

Indeed, many people in Ontario didn’t always visit the dentist, but it has been proven that they didn’t have access to very affordable dental insurance plans. The available plans were quite expensive for them, which now made them only visit the dentist when they had oral health issues.

It is best to stay preventive, so we did our research to get the most affordable ones. You can also check out individual dental plans that will best suit your needs and budget.

We have valuable and well-written content on the 7 Best Dental Insurance Plans for Individuals in Ontario. Do well to check it out.

Factors that affect the Cost of Dental Insurance in Ontario

Some factors that affect the cost of dental insurance in Ontario include:

  • Most Dentists in Ontario charge differently.
  • The quality and quantity of labor and materials also affect the cost of Dental plans.
  • Specialized Cases like Advanced Root Canal surgeries done by Specialists usually cost more than normal plans.
  • How complex your treatment is, can affect the fees.
  • The time it takes to perform a treatment, and other factors have over time affected the cost of dental insurance plans in Ontario.

4 Free and Special Ontario Dental Insurance Programs for you!

Below are some Dental care programs available to you in Ontario that you should maximize, which include:

  • Ontario Seniors Dental Care Program
  • Healthy Smiles Ontario
  • Ontario Disability Support Program
  • The Canada Dental Benefit Program

#1. Ontario Seniors Dental Care Program (OSDCP)

OSDCP is a free government-funded dental care program that was created especially for Seniors in Ontario. These seniors are specifically those with low income who are 65 years and above, as the intent of this program was to assist them in enjoying good oral health.

They can be part of the program through;

  • Community Health Centers
  • Public Health Units
  • Partner Aboriginal Health Access centers.

Feel free to give them a call at 416-916-0204

#2. Healthy Smiles Ontario (HSO)

HSO is a fully government-funded dental care program created for all Ontarian Kids from Low-Income families. In this program, Children below 17 years will enjoy;

  • Preventive Care
  • Routine Check-Ups, and
  • Other Emergency Oral Health Services.

For a child to be qualified for this program;

  • The child mustn’t be above 17 years
  • The child must reside in Ontario
  • The family must meet up with the HSO income verification.

#3. Ontario Disability Support Program (ODSP)

ODSP is also a government-funded program but this one offers;

  • Dental service benefits
  • Reasonable Financial assistance, and even
  • Employment Support to Adults that are Disabled.

This free program was specifically made for Ontarian adults that are 18 years and above and aims at supporting both their oral health and standard of living

#4. The Canada Dental Benefit Program

The Canadian Dental Benefit was created specifically to help eligible families that can’t afford private dental insurance, to get Quality dental care. This benefit is for families that earn below $90,000 yearly.

As a parent, you can apply for your Children below 12 years of age. This benefit is being administered by the Canadian Revenue Agency (CRA). Each eligible child can only receive a maximum of 2 payments.

Feel free to check them out and maximize that opportunity.

Frequently Asked Questions

Can I buy Dental Insurance on my own?

Yes, You can. You can get most of these coverage online on your own.

How to get dental insurance in Ontario?

It's very Simple! Simply visit your preferred insurer, choose an insurance plan that suits you best, go through the policy wording, work with the dentists offered to you for a more personalized experience, and you are Insured.

How much does dental insurance cost in Ontario?

The prices vary. This is the reason we provided you with the most affordable coverages. Feel free to compare the prices and make a decision that suits you best.

How does dental insurance work in Ontario?

Dental Insurance in Ontario is usually a separate policy from Health Insurance. In Ontario, you can with get dental insurance as Private Dental Insurance plans, Employer-sponsored dental insurance plans or from Ontario's Provincial Government programs. It works like normal Insurance plans, with No many extras.

Important Recommendations


Feel free to compare the insurers we have provided for you so you can choose the one that suits your budget more.

We trust you have value! Your comments are highly appreciated.

We at The Insure Guide are always here to provide Expert Guidance to all your Insurance needs.


  1. Nice post. I learnt something new and challenging on sites I stumbleupon everyday.
    Its always useful to read content from other writers and use a little something from other websites.

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