Dental Insurance Plans for Canadians

Dental care costs can become a financial burden fairly quickly if you don’t have a proper insurance plan. Protect your budget with a private Canadian dental insurance policy that will take care of the costs for your oral health needs!
Dental Insurance Coverage:

You may not know that but thousands of people in Canada do not have an appropriate Dental plan set up.

Since Provincial health care plans may not satisfy all of your medical care needs, you can secure yourself with a supplementary Dental Insurance Canada with increasing benefits over the years.

Who Needs Dental Insurance Coverage?

You may need dental coverage if you are:-Retired:
Since the employee benefits plan you’re accustomed to at your work place may not cover you during retirement, be prepared with supplementary dental insurance for canadians.

-Small Business Owner:
Consider supplementary coverage if you are self-employed, working within a budget, and perhaps do not have a group plan set-up.

-Seeking Additional Coverage:
Supplementary dental insurance Canada coverage is a good idea if you or one of your dependents needs additional coverage for special needs that are not included in your current group or work health care plan.

In order to apply your Provincial medical insurance plan must be currently active.

 

manulife

Manulife

How to Calculate Dental Insurance
Cost and Apply?
Looking for an individual dental benefit plan? Just follow these 4 steps and apply for an insurance plan suitable for your needs right away!
Get a Quote
Please use the links shown above in order to calculate personal quotes and view plan details for the insurance provider of your choice.

Once you provide required information, you’ll be able to see the list of plans along with payable premium per month.

Select a Plan
From the list of quotes provided, choose the one you like and proceed to the application when prompted.

You will re-directed to the Dental Insurance Application form.
 

Complete Your Application
There, you will need to fill out a small questionnaire.

You will need to provide some basic personal information such as your name, date of birth, number of applicants as well as contact details details required to finalize your application.

Make a Purchase
The final step is the application process and payment. All that is left is to complete the purchase using your credit card. All what is left is to complete the purchase using your credit card.

Once the payment is processed, your Insurance Policy is sent by email within a few minutes!

Dental Insurance Benefits:
Please note that availability of dental benefits and coverage limits may differ depending on your province of residence as well as the insurance plan you select.
Summary of Extended Health Insurance Benefits:
– Diagnostic Expenses (Oral examinations, X-rays)
– Preventive Treatments (Fluoride treatments, Polishing)
– Restorative Treatments (Silver-colored fillings and tooth-colored fillings on front adult teeth)
– Periodontal Cleaning (Scaling and Root planning)
– Prosthodontic Services (Denture services, repairs to onlays, Inlays, bridges and crowns)
– Oral surgery
– Root Canals and other Endodontics
– Major Restorative Services
– Complete or Partial Dentures
– OrthodonticsFor a detailed coverage description please read the Policy Wording for the insurance plan of your interest.

 

Frequently Asked Questions
Still not sure what to do? Here is a list of our FAQ’s; click the question to unveil the answer
Q: Is dental care covered by provincial insurance?

A: Unfortunately, routine dental care is not a part of your provincial insurance coverage. While certain medical procedures might be covered if treatment requires you to undergo an oral surgery as a result of a medical emergency, routine oral care is excluded from the government benefits.

With that said, the best way to go about securing your financial well-being when it comes to paying dental care bills is to get a dental insurance policy that provides comprehensive coverage for both major and minor dental treatment services including cleanings, check ups, oral surgeries, root canals, etc.

Q: What benefits do individual Dental Insurance plans include?

A: Although the list of insured services and benefit limits varies depending on the policy of your choice as well as the province of residence, most individual dental insurance plans usually include the following benefits:

Diagnostic services such as exams and scans; preventive measures including fluoride treatments, polishing; scaling and soot planning; surgical procedures, root canals; endodontic and orthodontics; certain restorative treatments such as fillings; prosthodontic Services including complete or partial dentures services, repairs to onlays / Inlays, bridges and crowns; as well as major restoration of teeth.

In order to find out exactly what are the benefits in a plan of your interest, you can always read the Policy Wording or speak with our Insurance Advisors!

Q: Does dental insurance cover 100% of expenses?

A: As with most private insurance policies there are certain limits on covered services.

Generally, individual dental insurance policies offer to pay a percentage of the covered services for up to a certain amount per year i.e. 70% or 80% with a $500-$800 annual limit, while the remaining portion of eligible expenses has to be paid out of pocket.

It’s worth noting that many dental insurance plans have a progression-based system when your benefit limits increase the longer you have your coverage in place. For example, during the first year you are covered for 60% of the bill for a maximum of $500. Your coverage will increase to 70% and $700 during the second year, while coverage for year 3 and beyond will go up to $900 and 80%.

Q: Is it possible to keep my dental coverage when I quit my job?

A: Yes, most insurance policies that provide dental coverage offer a transition plan to have you covered for your dental care needs in case you switch your jobs or are no longer employed and covered through your workplace.

In order to learn more about the particulars of such coverage you can contact our insurance advisors.

Q: When do my dental benefits begin once I enroll?

A: Your insurance will commence on the effective date you select at the time of enrollment. Yet, it is worth noting that there could be a waiting period before you are able to use your policy and make claims.

Usually, waiting period is 3 months. In order to find out about the duration of a waiting period on a policy you have selected, please read its Policy Wording or contact our Insurance Advisors for details.

Q: Is Dental Insurance insurance tax deductible?
A: Yes, it is! You can claim your dental insurance expenses in your annual tax declaration.

Get a Quote for Dental Insurance Coverage

 

Testimonials

Dhananjaya NeelkantDhananjaya Neelkant
20:01 09 Apr 24
Excellent customer service! Thanks Lea.
James EnsorJames Ensor
23:33 18 Mar 24
Fahim SaberFahim Saber
22:07 17 Dec 23
I have had the most seamless smoothest experience ever with this insurance company. Every change I had to make regarding my parents supervisa medical insurance was processed quickly with no complications. They have been understanding of my situation through all the ups and downs over the last few years including the difficult and complex covid periods. Particular kudos to Lea for making this complicated insurance experience a siimple and stress free process for me.
Igor KiselyovIgor Kiselyov
19:59 23 Nov 23
Great service, efficient communication, and a really easy way to get insurance with lots of help and support to get the right deal.
Colin TaylorColin Taylor
18:34 21 Nov 23
I have purchased a few policies with Lea, and each time the service was great! The last one took less than 10 minutes to complete!The polices itself are also good, as we have not had any problems with claims so far.
A LA L
00:18 15 Nov 23
I have purchased parents visitor insurance twice from Arbetov. I got fast and patient response from Lea. Her professional attitude makes me confident to trust Arbetov. I will repurchase from this company.
Salinda RathnayekaSalinda Rathnayeka
19:26 10 Nov 23
I have been purchased travel insurances for my parents multiple times and they are super friendly and very helpful. Mainly, in contacted with Lea, helped me to find the correct cost effective products.
Anastasia YakubovskaAnastasia Yakubovska
17:12 08 Nov 23
Great fast service, have been with them for a few years now. Good options for insurance!
Natali ChizikNatali Chizik
18:08 06 Nov 23
Extremely nice and efficient staff! My go to for insurance
Gina BautistaGina Bautista
20:41 19 Jun 23
We purchased Supervisa insurance through Arbetov Insurance many times and they have been very helpful since the very start, especially Eugene and Lea.Highly recommended!!
Lai ReyesLai Reyes
22:31 15 Mar 23
My whole experience with Arbetov was very pleasant. From the purchase and payment down to the refund request. Credits and many thanks to Lea as she was the one who assisted me with everything. She was just so responsive and very helpful all throughout! 🙂
yasir aliyasir ali
15:02 03 Nov 22
Lea was very helpful and friendly. It was a great experience.
Ella KnurikElla Knurik
21:21 20 Aug 22
Lea provided a great and professional service and helped us to find the best medical insurance for us.
Fraser LindsayFraser Lindsay
21:33 02 Jun 22
The web site was the best,clear,simple to folow, and the help chat assistance was the iceing on the cake.Lea really put me at ease and gave me advice and did all the hard work of making the policy. I have never had such an understanding helper on line before. Deserves a pay rise!
Rajneel SinghRajneel Singh
04:56 15 May 22
Lea was super helpful. She made the process of getting insurance very easy and seamless. I called her multiple times and she was very happy to respond to all my emails and calls in very prompt time. Honestly this has been the most smoothest insurance provider I have seen so far. Thank you again Lea for your kind service and help, reassuring me all the way and being the star you are! Thank you
Francesca BisiFrancesca Bisi
19:53 11 Jan 22
I would give 10 stars if I could! :)I found this insurance company by chance 4 years ago and I could not have been more lucky. For the past 4 years I've been interacting with them and in particularly with Lea. She went above and beyond to always help me to find an insurance that could satisfy my needs. She was so professional and efficient. I will definitely recommend them to anyone who might need insurance advisors! :)Thank you very much for all your brilliant job!
Chetan DhotreChetan Dhotre
21:19 23 Mar 21
I used Arbetov when shopping for super visa insurance for my parents. I found them very well priced and of great value.Since then my mother's trip has been delayed many a time but Lea has been exceptional in promptly responding to my many requests to move the insurance start date.Well priced, prompt and friendly service. What more could you ask for!
js_loader
Still not sure what’s in it for you?
Why not give it a try and see for yourself. Let us help you find the right insurance protection that matches your individual needs!
Available Weekdays | 10am-11pm EST, Weekends | 12pm-8pm EST
Scroll to Top
Need some help?
Our experienced advisers are just a phone call away!
Do you need advice?
Have questions about your medical coverage options? Feel free to leave us a Call Back request and our insurance advisors will get in touch with you within 1 business day!

You can also leave us a message below, so we can find the most suitable solution to your insurance needs by the time we call you!
Loading...
   
Need some help?
Support Us!
If you like our service, please like us on Facebook !