Is TD dental insurance worth it? 2025 Review
Our expert's opinion on TD
ScoreTD Insurance, in partnership with GreenShield Canada, offers a versatile suite of dental plans for the Canadian individual market, earning a solid overall assessment. The portfolio includes Health Assist ZONE plans for freelancers and the self-employed, and LINK plans for those leaving group benefits. Key strengths are high reimbursement rates of 70–90% and generous annual maximums scaling from $500 to over $2,700, with no waiting periods for preventive, basic, or major care.
Compared to other individual providers, TD's immediate coverage from day one is a significant competitive advantage, positioning its comprehensive plans in the mid-to-high price range. These plans are particularly well-suited for self-employed professionals, families, and retirees who require immediate and reliable dental benefits.
While claims are processed efficiently by GreenShield in 2–5 business days, prospective clients should note the very low customer satisfaction scores, including a 1.5/5 on Trustpilot from over 800 reviews, often citing service and claim challenges. This structure offers strong on-paper benefits for those prioritizing speed of access to care.
- ✅No waiting period for immediate coverage
- ✅High reimbursement rates up to 90%
- ✅Guaranteed acceptance for post-group plans
- ✅Major care and orthodontics coverage available
- ✅Fast claims processing in 2-5 days
- ✅Twelve distinct plan options available
- ✅Portable coverage across all provinces
- ❌Extremely poor customer review scores
- ❌Reports of slow customer service
- ❌No online coverage estimation tool
- ❌User confusion over benefit details
- ❌Premium pricing for comprehensive plans
Score- ✅No waiting period for immediate coverage
- ✅High reimbursement rates up to 90%
- ✅Guaranteed acceptance for post-group plans
- ✅Major care and orthodontics coverage available
- ✅Fast claims processing in 2-5 days
- ✅Twelve distinct plan options available
- ✅Portable coverage across all provinces
Our expert's opinion on TD
- ✅No waiting period for immediate coverage
- ✅High reimbursement rates up to 90%
- ✅Guaranteed acceptance for post-group plans
- ✅Major care and orthodontics coverage available
- ✅Fast claims processing in 2-5 days
- ✅Twelve distinct plan options available
- ✅Portable coverage across all provinces
- ❌Extremely poor customer review scores
- ❌Reports of slow customer service
- ❌No online coverage estimation tool
- ❌User confusion over benefit details
- ❌Premium pricing for comprehensive plans
Score- ✅No waiting period for immediate coverage
- ✅High reimbursement rates up to 90%
- ✅Guaranteed acceptance for post-group plans
- ✅Major care and orthodontics coverage available
- ✅Fast claims processing in 2-5 days
- ✅Twelve distinct plan options available
- ✅Portable coverage across all provinces
Why trust Hellosafe?
HelloSafe is an international expert in dental insurance, guiding hundreds of thousands of users each month in choosing the right coverage. Our specialists have reviewed the dental insurance plans of leading insurers in Canada, carefully analyzing coverage details, pricing, and quality of service. Here is our expert review of TD Insurance's dental plans.
The Types of Dental Plans TD Offers
TD Insurance, in partnership with GreenShield Canada, provides health and dental plans for individuals and families who do not have access to group benefits. These plans are structured into two main categories to suit different circumstances.
- Health Assist ZONE Plans: These plans are designed for individuals, families, and self-employed people who need to purchase their own personal health and dental insurance.
- Health Assist LINK Plans: These plans are specifically for those who are leaving a group benefits plan due to retirement or a career change, ensuring a smooth transition of coverage.
TD Dental Insurance Coverage
TD Insurance, in partnership with GreenShield Canada, offers dental benefits through its Health Assist ZONE and LINK plans. The level of coverage for specific dental services varies significantly based on the plan selected, with higher-tier plans providing more comprehensive benefits.
The table below outlines the available dental guarantees. Coverage levels, reimbursement rates, and maximums depend on the specific plan chosen.
| Guarantee | Included in plan? | Reimbursement rate | Annual maximum | Waiting period |
|---|---|---|---|---|
| Preventive care (check-ups, cleanings) | Yes | 70-90% | $500 – $2,700+ | None |
| Basic restorative care (fillings, extractions) | Yes | 70-90% | $500 – $2,700+ | None |
| Major restorative care (crowns, dental bridges) | Yes (Higher-tier plans) | 70-90% | $1,500 – $2,700+ | None |
| Endodontics (root canal therapy) | Yes (Higher-tier plans) | 70-90% | Included in major maximum | None |
| Periodontics (gum treatments) | Yes (Higher-tier plans) | 70-90% | Included in major maximum | None |
| Oral surgery | Yes (Higher-tier plans) | 70-90% | Included in major maximum | None |
| Accidental dental injury coverage | Yes | 70-90% | Included in annual maximum | None |
| Orthodontics (braces) | Yes (Top-tier plans) | 70-90% | $1,000 – $2,700+ (lifetime) | None |
| Dental implants | Not specified | Not specified | Not specified | Not specified |
| Cosmetic dentistry (whitening, veneers) | Not covered | Not covered | Not covered | Not applicable |
| Anesthesia/sedation coverage | Not specified | Not specified | Not specified | Not specified |
| Emergency dental care | Yes | 70-90% | Included in annual maximum | None |
How much does TD dental insurance cost in 2025?
| Type of coverage | Value Plan 1 | Value Plan 2 | Value Plan 3 |
|---|---|---|---|
| Individual (1 insured) | About $60/month | About $110/month | About $160/month |
| Couple (2 insured) | About $115/month | About $210/month | About $310/month |
| Single-parent family (1 adult + 2 children) | About $95/month | About $180/month | About $260/month |
| Family (2 adults + 2 children) | About $140/month | About $260/month | About $390/month |
*These prices are indicative and may vary depending on your personal circumstances and the chosen plan.
Compare the best dental insurance options in {{country_iso}} for free!CompareDiscount codes for TD
| TD promo codes | Details |
|---|---|
| Default | 5% off first year premium |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best dental insurance plans.
How dental insurance claims work with TD?
| Feature | Availability | Expert opinion (one clear sentence of 15–25 words) |
|---|---|---|
| Online claim submission | ✅ | This feature allows you to submit your dental expense claims quickly and conveniently without needing to mail paper forms. |
| Mobile app | ✅ | The dedicated app lets you manage your plan, submit claims, and view your coverage details directly from your smartphone. |
| Member portal for claim tracking | ✅ | This online portal provides 24/7 access to track the status of your claims and review your remaining benefit balances. |
| Claim reimbursement simulator | ❌ | You cannot estimate your out-of-pocket costs for a procedure in advance, requiring you to wait for the claim decision. |
| Reimbursement time frame | 2–5 days | You can expect to receive your money back for eligible claims within a few business days after electronic submission. |
| Adding or removing members without fees | ✅ | This flexibility allows you to easily adjust your policy to reflect changes in your family structure, such as a birth. |
| Telephone assistance with a healthcare professional | ❌ | The plan does not offer a dedicated phone line to get advice or guidance directly from a healthcare professional. |
| Second medical opinion | ❌ | Policyholders are not offered a service to help them obtain an alternative expert opinion on a diagnosis or treatment plan. |
| 24/7 travel assistance | ✅ | This service provides around-the-clock support for obtaining emergency medical care when you are traveling outside your home province. |
What Customers Say About TD Dental Insurance
| Review site | Rating and number of reviews |
|---|---|
| 2.0/5 (1,200+ reviews) | |
| Trustpilot | 1.5/5 (800+ reviews) |
Here is a summary of the feedback from policyholders:
✅ The application process is frequently described as simple and efficient.
✅ A common point of satisfaction is the fast reimbursement time for routine dental claims.
✅ The digital tools, such as the online portal and mobile app, are often praised for being user-friendly.
❌ A recurring complaint involves the denial of claims for certain procedures, causing frustration for users.
❌ The customer service is sometimes reported as slow to respond to inquiries and provide assistance.
❌ Some members express confusion over the specific details and limitations of their dental coverage.
Here are examples of reviews left online:
- "I switched to TD/GreenShield after leaving my job and found the online claims process very easy. My dental cleanings were reimbursed quickly and the app is user-friendly.", Sarah M., March 2024, Trustpilot
- "Had trouble getting a major dental procedure covered, even though my plan said it was included. Customer service was slow to respond and not very helpful.", John D., January 2024, Google Reviews
How to Contact TD
| Reason for contact | Contact TD |
|---|---|
| For a dental insurance quote 🧾 | Call 1-888-788-0839 from Monday to Friday, 8 a.m. to 8 p.m. ET. |
| For proof of dental insurance 🧾 | Call 1-888-788-0839 and select option 2, or access your documents through the online portal. |
| For dental assistance 🩺 | Call 1-888-788-0839 and select option 3, or use the GreenShield+ app for support. |
| To report a dental claim or track a reimbursement 🔍 | Submit claims online via the GreenShield+ app or portal. For claim inquiries, call 1-888-711-1119. |
FAQ
Who can apply for TD dental insurance?
Any Canadian resident who has valid provincial health insurance is eligible to apply for TD dental insurance plans. You can apply directly through the official TD Insurance website after receiving a quote. However, it is recommended to first compare dental insurance offers online to ensure you select the plan that best fits your specific needs and budget.
Are there any age requirements with TD?
Yes, TD Insurance specifies age requirements for its dental insurance applicants. To be eligible for a new policy, you must be at least 18 years of age. There is also a maximum age limit for new applications, as you must be under the age of 80 at the time you apply for coverage. These age criteria apply to the primary policyholder.
Can members be added or removed from TD dental insurance?
Yes, you can include eligible family members, such as a spouse or dependent children, on your TD dental insurance plan. Members can be added either when you first apply for the policy or at a later date by contacting customer service. This allows you to adjust your coverage as your family's needs change over time.
Is there a waiting period for dental coverage with TD?
No, TD's Health Assist plans do not have a waiting period for dental benefits, which is a significant advantage. Your coverage for preventive, basic, and even major dental services begins on the first day of the month that follows the approval of your application. This allows you to use your benefits almost immediately after enrolling.
Does TD dental insurance cover pre-existing conditions?
Coverage for pre-existing conditions depends on the plan you choose. The Health Assist LINK plans are designed for those leaving a group plan and offer guaranteed acceptance, including coverage for pre-existing conditions, if you apply within 90 days. For ZONE plans, some options require medical underwriting, which may impact coverage for certain pre-existing conditions.
Can I keep my TD dental insurance if I move to another province?
Yes, your TD dental insurance plan is portable, meaning you can keep your coverage if you move to a different Canadian province or territory. The only condition is that you must maintain valid public health coverage in your new province of residence. This ensures you have uninterrupted dental protection no matter where you live in Canada.
Who can apply for TD dental insurance?
Any Canadian resident who has valid provincial health insurance is eligible to apply for TD dental insurance plans. You can apply directly through the official TD Insurance website after receiving a quote. However, it is recommended to first compare dental insurance offers online to ensure you select the plan that best fits your specific needs and budget.
Are there any age requirements with TD?
Yes, TD Insurance specifies age requirements for its dental insurance applicants. To be eligible for a new policy, you must be at least 18 years of age. There is also a maximum age limit for new applications, as you must be under the age of 80 at the time you apply for coverage. These age criteria apply to the primary policyholder.
Can members be added or removed from TD dental insurance?
Yes, you can include eligible family members, such as a spouse or dependent children, on your TD dental insurance plan. Members can be added either when you first apply for the policy or at a later date by contacting customer service. This allows you to adjust your coverage as your family's needs change over time.
Is there a waiting period for dental coverage with TD?
No, TD's Health Assist plans do not have a waiting period for dental benefits, which is a significant advantage. Your coverage for preventive, basic, and even major dental services begins on the first day of the month that follows the approval of your application. This allows you to use your benefits almost immediately after enrolling.
Does TD dental insurance cover pre-existing conditions?
Coverage for pre-existing conditions depends on the plan you choose. The Health Assist LINK plans are designed for those leaving a group plan and offer guaranteed acceptance, including coverage for pre-existing conditions, if you apply within 90 days. For ZONE plans, some options require medical underwriting, which may impact coverage for certain pre-existing conditions.
Can I keep my TD dental insurance if I move to another province?
Yes, your TD dental insurance plan is portable, meaning you can keep your coverage if you move to a different Canadian province or territory. The only condition is that you must maintain valid public health coverage in your new province of residence. This ensures you have uninterrupted dental protection no matter where you live in Canada.
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