We understand how uneasy can be looking for a list of private dental insurance in Ontario, so as experts, we have scored the market and handpicked the 10 best private dental insurance in Ontario to bring the best destination to your search.
Our list contains comprehensive and affordable premiums, making it valuable for everyone.
At the end of this article, you will also know what affects the cost of private dental insurance in Ontario, factors to consider before getting your policy, A step-by-step guide on how to get private dental insurance and many more.
We are sure you will receive value! Let’s find the perfect private dental insurance for you.
Table of Contents
A Step-by-Step Guide on How to Get Private Dental Insurance in Ontario
We at The Insure Guide have provided you with a step-by-step guide on how to get private dental insurance and they are:
Determine your eligibility:
You need to understand that most private dental insurance in Ontario are eligible only people residents of Ontario. You have to be sure.
Identify the type of coverage you need:
You need to make a very clear decision; if you need individual or family coverage, or if you want a basic or comprehensive plan. Keep it direct!
Research insurance providers:
We have helped you make the research. Now it’s your turn to look at the different private insurance providers and compare their coverage, premiums, deductibles, and other benefits.
Next, You need to get quotes from the different insurance providers so you can compare costs and coverage options.
Review plan details:
This step would require your attention. You should take some time to carefully read through the policy details, terms and conditions, and exclusions before making a decision.
Choose a plan:
From the various plans provided for you, select a plan that best suits your needs and budget.
Complete the enrollment process:
Here you have to fill out the required application forms and provide the necessary documentation.
Start using your coverage:
At this point, You can start using your insurance coverage by scheduling regular dental check-ups and procedures.
Regularly review and adjust your coverage:
Try as much as you can to review your coverage regularly and make any necessary changes to ensure that the coverage continues to meet your needs.
Some Factors to Consider when getting coverage from Private Dental Insurers in Ontario
When getting your dental coverage, do well to consider the following:
- Coverage Options
- The Right Plan
1. Coverage Options
You must review the detail of the plan to clearly understand what is and is not covered. It is true that most private dental insurance in Ontario covers a wide range of services;
- Extractions, and
- Sometimes orthodontic treatments.
Do you know that sometimes, cosmetic procedures like teeth whitening or veneers can be included? What’s our point?
Coverage options vary across different insurers. So, Take some time to go through it and enough all your benefits.
Just like coverage options, Costs vary among these insurers.
Some of the factors that can affect the cost of your Insurance plan include;
- The level of coverage you choose
- The Insurance provider you select
- The Premium rate (Some charge monthly, yearly, or even per visit or procedure)
Hope you know that some private dental insurance plans come with annual or lifetime maximums. Let’s break this down.
The Annual or Lifetime maximum is simply like a limit. It tells you how much your insurance will pay for your dental care services and treatments in a year or during your lifetime. So, it is simple!
Once you reach the limit, you will simply have to pay for the rest of your dental costs by yourself.
3. Finding the Right Plan
Here, Your “Budget” and “Needs” are Key! So, Here are some of the factors you should consider in order to find a plan that will suit you.
- The Level of coverage you need
- The Cost of the Insurance Plan (Ensure to include out-of-pocket expenses better still deductibles)
- The Network of Dental Specialists and Dentists is under the plan.
- Maximums (Annual or Lifetime Maximums)
- Look out for Waiting Periods and other restrictions that may apply, and
- Finally, make sure you compare Plans from different providers so you find the best. It’s okay to speak with a licensed insurance agent or broker.
How Much Does Dental Insurance Cost in Ontario?
First, You need to understand that there are a set of factors that affect the cost of private dental insurance anywhere. The factors that will affect how much you will get dental insurance in Ontario include:
Type of coverage:
Hope you know that Comprehensive dental insurance plans tend to be more expensive than basic plans. The coverage can affect the cost.
The number of covered individuals:
You should also know that Family coverage generally costs more than individual coverage just for you.
The Insurance Provider:
Different insurance providers may have different pricing structures. So it also depends on the provider you choose to work with.
Very Important! Age is another interesting factor that can affect the cost of dental insurance. Premiums for older individuals tend to be higher.
Generally, individual coverage for basic dental insurance in Ontario can cost you anywhere from $30 to $60 per month, while comprehensive coverage can cost from $50 to $85 per month. Family coverage can cost from $80 to $150 per month.
This is why we advise that you get quotes from different insurance providers and compare their costs and benefits to find a plan that fits your budget and needs.
The 10 Best Private Dental Insurance in Ontario
Here are the best private dental insurance providers in Ontario:
- ManuLife Dental Insurance
- Ontario Blue Cross
- Sun Life Financial
- Canada Life Dental
- Canada Protection Plan
- Empire Life
- Equitable Life
- Alliance Financial
- Green Shield Canada
#1. ManuLife Dental Insurance
Coverage Features: Health and Dental Plan, Affordable Plans…
ManuLife is a private dental health insurance option available in the province of Ontario. They have been in the service of offering people great health insurance since 1887.
In their quest to meet the needs of individuals, families, and groups, ManuLife offers you 3 coverage options namely:
- 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.
Looking at the first plan on the list, You will note that one of the benefits you will enjoy using Manulife is the flexibility it offers. You can choose the level of coverage that best suits your needs and budget. Plan Details for Flexcare:
ManuLife is also known to offer one of the best health and dental insurance plans you would find in Ontario. You can check our well-written content about this combination.
It will also interest you to know that Manulife offers a wide network of participating dentists, making it easy for you to find and receive oral health care once needed. They also provide coverage for a variety of dental procedures, including orthodontics.
This can be particularly beneficial for families with children who may need braces. As one looking for good private dental insurance in Ontario, You may love to consider Manulife.
#2. Ontario Blue Cross
Coverage Features: Health and Dental Plan, Orthodontics Treatments, Affordable Plans…
Blue Cross is one of the World’s most trusted and recognized health insurance brands. Ontario Blue Cross is a Private dental insurance provider in Ontario, though they also offer plans across regions like Quebec, Alberta, Manitoba, and many other locations close to you.
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.
Ontario Blue Cross offers you a variety of dental insurance plans that cover the cost of your routine dental care, such as:
- Cleanings and,
As well as more extensive procedures like:
- Extractions, and
- Orthodontic treatment.
One of the key benefits you will enjoy using Ontario Blue Cross for dental insurance is the flexibility they offer. This Private dental insurance provider simply offers you amazing individual dental plans that are very flexible and with no deductible.
They make it easier for you and even your family members to find a plan that fits your specific needs and budget, as their elementary plan option will allow you to personally customize the insurance plan.
Overall, Ontario Blue Cross is a reputable and well-established dental insurance provider in Ontario, and their plans can be a great way for you as they will help you cover the cost of oral health care for yourself and your families. Use the Button to learn more.
#3. Sun Life Financial
Coverage Features: Health and Dental Plan, Orthodontics…
Sun Life is gradually being recognized to provide one of the best private dental insurance in Ontario. They have been in the Insurance Industry for over 150 years and have a lot of experience in offering quality insurance coverage.
As a private body, Sun Life offers dental insurance coverage for your: Preventive Dental care;
- X-rays and Tests
- Dental exams and Diagnosis
- Scaling, and
- Extraction etc.
Restorative Dental Care;
- Periodontics (Gums)
- Endodontics (Dental Pulp)
- Oral Surgery
- Crowns, and
- Dentures and Repairs.
They also provide coverage for Orthodontics Dental Care. Feel free to use the button to know more about this Private Dental Insurance Provider, Sun Life.
#4. Canada Life Dental Insurance
Coverage Features: Health and Dental Plan, No medical exams…
Canada Life started in 1847 and was well-represented in every Ontario province by 1897. They have been providing valuable health insurance to people until 2020 when they amalgamated the:
- Great-West Life Assurance Company
- London Life Assurance Company, and
- The Canada Life Assurance Company
It’s important to note that Canada Life is the first, financial services company that offers a range of insurance products, and Dental-insurance is one of them. Generally, Canada Life dental insurance plans will cover your:
- Routine dental care services such as regular checkups and cleanings, as well as
- Restorative treatments, like fillings and root canals.
One of their amazing plans is called the Freedom to Choose Health and Dental Insurance Plan. This plan to help you cover all the Dental health costs not covered by the Government, at a very affordable price that will suit you and your family.
They also offer amazing dental insurance plans specifically for individuals in Ontario. They called this plan “Canada Life’s PlanDirect Plan”.
It’s quite that over 20,000 Canadians including Ontarians have chosen the Freedom to Choose Health and Dental Insurance. These are the benefits that attracted people to it:
Use the Button to know more about Canada Life Dental Insurance.
#5. Canada Protection Plan
Canada Protection Plan is one of the Leading names of No-Medical and Simplified Issue Health Insurance Providers. CPP is a private dental insurer that offers you a variety of health and dental insurance plans that should suit you and your family best.
Aside your oral health coverage, here are some other valuable benefits you can enjoy from your Canada Protection Insurance plans:
- Home Care and Nursing
- Prescription drugs
- Vision care
- Hospital Benefits
- Registered Massage Therapy
- Hearing aids, Ambulance Services
CPP offers you a wide range of dental insurance plans that includes these special benefits even without a medical questionnaire, as long as you apply within 60 days of the end of your group insurance coverage.
Interestingly, if you run a business, CPP has over eight practical and affordable health coverage plan options. Use the button below to learn more about them and make a great decision.
#6. Empire Life
Coverage Features: Health and Dental Plan, Employee Plans…
Empire Life started in the year 1923 in Toronto. They are known as one of Canada’s top health and dental insurance providers. They are very available in all the provinces in Canada.
In Ontario, they specialize in employee and group dental health benefits, but they also provide a Dental Flex option that will work in your favor. This option is usually common among employers, meaning that if you are an employee you can have access to the dental flex plan.
The Interesting thing is that You as an employee will be able to choose how you wish to spend your dental benefits though within a set maximum.
This means You can create a plan that suits your selected advantages and spending limit with the Dental Flex Plan.
Some treatments involved in your Empire Life coverage include:
- Fundamental Dental Care
- Periodontics and Endodontic
- Restorative services
Empire Life Insurance Company is located at 259 King St. E. Kingston, Ontario, K7L 3A8. Use the button below to learn more about Empire Life.
#7. Desjardins Dental
Desjardins was established in 1990, and they are currently in all of Canada’s provinces. They are renowned for offering you high-quality dental insurance coverage.
One of the company’s distinctive features is they include Orthodontic treatments in some of their Individuals plans which are normally rare. As we all know, normal dental plans don’t often provide this unless it’s their third level of coverage.
The majority of firms include this therapy in their standard dental policies. You should already know how costly that would be. So, this is like receiving the same advantages from them as you would from group insurance policies. Interesting!
Another good thing you should note is Desjardins will also cover any medical costs that your provincial dental health insurance plan does not pay for.
We observed that they recently switched to a new domain for their products. Use the button below to know more about them.
#8. Equitable Life
One of the very unique things about Equitable that you may love to know is that they have built so much flexibility and options to their dental insurance plans so that you (and other employees) can have a lot of choices for any kind of coverage you need. All Budget Friendly!
Some of the oral health services covered by Equitable Life include:
- 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)
All their Dental Insurance plan were well created to fix any combination of deductible and reimbursement levels.
They are located at P.O. Box 1603, Stn Waterloo, Ontario N2J 4CJ. Do you want to know more about Equitable Life Dental Insurance? Then use the button.
#9. Alliance Financial
Alliance Financial is a Private/Independent Managing General Agency that also specializes in offering health insurance products for major insurance companies in the Canadian Financial Service Industry.
They offer valuable group insurance benefits of which you will be enjoying Quality Dental Care. Alliance Financial Dental insurance coverage covers your:
- Basic Dental Care
- Preventative Care
- Major Care,
- and Orthodontic Care.
Therefore whether you have 20-52 employees, You can use it! Alliance Financial also has a plan called “Cost Plus” that allows for a kind of reimbursement.
You may love to check it out. Use the button below to learn more.
#10. Green Shield Canada
Green Shield Canada is a well-known not-for-profit dental insurance carrier in Canada. With over 65 years of experience, they are one of the private dental insurance in Ontario that is trusted to deliver.
They have shown commitment and consistency in providing very good dental plans that have in the long run helped lots of Ontarians maintain good Oral care. Their quest to make dental health insurance very affordable for Ontarians has been well appreciated over time.
Did you know that Green Shield Canada underwrites SureHealth Insurance? SureHealth can offer you health and dental insurance plans. Would you love to see other good health and dental insurance plans in Ontario? Then use the link.
GSC offers you dental plans using Zones, that will accommodate your priorities, budget as well as family. GSC’s 100% dental plans in Zone 2 and Zone 3 cover your dental expenses for:
- Dental Examination and Diagnosis
- Root Canals, and
Use the button below to know more about GSC.
Frequently Asked Questions
Why should I get dental insurance in Ontario?
Dental Insurance will help you save money on dental costs and also ensure you receive quality dental care when you need it. It would save you all those out-of-pocket costs you pay for when receiving dental services on your own.
How do I choose the right private dental insurance plan?
To make the best choice, you have to always consider factors like coverage limits, deductibles, co-payments, and the list of covered procedures. Also, don't forget to compare various plans.
Can I use my private dental Insurance outside of Ontario?
This will depend on the specific plan you have chosen. You need to understand that some plans may offer coverage only within the province while others may provide coverage across or outside even outside Canada. Always review the details of your plan.
Your oral health is too important to neglect. With the 10 Best private dental insurance in Ontario, we provided you in this article, you can now find the perfect plan that fits your budget and needs.
We urge you to take charge of your dental care and invest in a brighter and healthier smile today!
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