Best Dental Insurance in Canada for 2025

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Please use the filters below to select your province of residence, your age, your coverage status under the Provincial Health Insurance Plan, and your preferred level of care.

LEVEL OF COVERAGE
Extended
I LIVE IN
Ontario
YOUR AGE
ARE YOU COVERED BY THE HEALTH INSURANCE PLAN?
Yes
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LEVEL OF COVERAGE
Extended
I LIVE IN
Ontario
YOUR AGE
ARE YOU COVERED BY THE HEALTH INSURANCE PLAN?
Yes
Insurance
Our rating
Guarantees
Review
Get a quote
Recommended Offer
Preventive care coverage
80%
Basic care coverage
50%
1st year coverage
$500
Deductible
$50
Coverage limit
Age 59
Preventive care coverage
80%
Basic care coverage
50%
1st year coverage
$500
Deductible
$50
Coverage limit
Age 59
  • Good quality-price ratio
  • Complete basic care coverage
  • Good quality-price ratio
  • Complete basic care coverage
With our licensed partner
Our detailed review

Blue Flex from Blue Cross offers a balanced and accessible dental insurance plan with an emphasis on affordability and preventive care. It covers 80% of preventive services and 50% of basic dental care, positioning itself as a practical solution for those who want essential dental protection without paying for extensive or specialized procedures. The first-year coverage is capped at $500, and there’s a modest $50 deductible, which makes it approachable for newcomers to dental insurance or those transitioning from employer-sponsored plans. The plan is limited to individuals aged 59 and under, and it’s particularly praised for its solid cost-to-coverage ratio and clarity in benefits. However, it doesn’t extend to major dental procedures or orthodontics, which may be a drawback for families or individuals with more comprehensive care needs.

Ideal for: This plan suits younger individuals, freelancers, or early retirees who primarily seek preventive maintenance and peace of mind. It’s also a good fit for those between jobs or without access to group benefits, looking for basic protection at a reasonable cost.

Read our detailed review
  • 80% reimbursement on preventive care
  • Low deductible of $50
  • Strong reputation with a 4.9/5 rating
  • Transparent and simple coverage structure
  • Ideal for entry-level or budget-conscious subscribers
  • Only 50% coverage for basic care
  • Annual coverage capped at $500
  • No coverage for major or orthodontic treatments
  • Age limit set at 59
Recommended Offer
Preventive care coverage
70%
Basic care coverage
70%
1st year coverage
$750
Deductible
none
Coverage limit
none
Preventive care coverage
70%
Basic care coverage
70%
1st year coverage
$750
Deductible
none
Coverage limit
none
  • For users without health benefits through their employer
  • For users losing their group coverage
  • For users without health benefits through their employer
  • For users losing their group coverage
With our licensed partner
Our detailed review

The PHI Standard Plan from Sun Life offers balanced and enhanced coverage compared to entry-level options, with 70% reimbursement for both preventive and basic dental care. The plan starts with a $750 annual limit in the first year and features no deductible or age restrictions, simplifying access and reducing upfront costs. This makes it a strong contender for those seeking a solid mix of affordability and extended protection. Although it doesn’t cover major dental procedures, the improved reimbursement rate and higher first-year ceiling make it a step up from basic plans, especially for those who expect recurring dental visits.

Ideal for: This plan is ideal for individuals recently removed from employer-sponsored group insurance or self-employed professionals wanting a stable, mid-tier option. It’s also a good fit for early retirees or anyone needing predictable out-of-pocket limits without undergoing medical screening.

Read our detailed review
  • 70% coverage for both preventive and basic dental services
  • $750 reimbursement limit in the first year
  • No deductible or age-based restrictions
  • Designed for those transitioning from employer benefits
  • No coverage for major or specialized dental treatments
  • Annual limit may not suffice for users with frequent dental procedures
  • No add-ons for vision or travel care compared to other hybrid plans
Recommended Offer
Preventive care coverage
Year 1: $1,000, Year 2: $1,200, Year 3+: $1,500
Basic care coverage
Up to 90 %
1st year coverage
$1000
Deductible
none
Coverage limit
none
Preventive care coverage
Year 1: $1,000, Year 2: $1,200, Year 3+: $1,500
Basic care coverage
Up to 90 %
1st year coverage
$1000
Deductible
none
Coverage limit
none
  • Best choice for future health care needs
  • High benefit maximums
  • Include orthodontic services
  • Best choice for future health care needs
  • High benefit maximums
  • Include orthodontic services
With our licensed partner
Our detailed review

GreenShield’s Zone 7 Ultimate plan is one of the most extensive individual dental insurance options in Canada, tailored for long-term health management. It offers up to 90% reimbursement on preventive and basic dental care, starting with $1,000 in coverage in the first year, increasing to $1,200 in the second, and reaching $1,500 annually from year three onward. It also includes orthodontic coverage—an uncommon benefit in non-group plans—and provides high annual benefit maximums without any deductible or age restriction. The guaranteed enrollment process with no medical questions further enhances accessibility for applicants with pre-existing conditions.

Ideal profile: This plan is ideal for families with orthodontic needs, individuals anticipating higher future dental expenses, and those seeking premium, all-encompassing dental coverage without risk of exclusion due to health history. It's especially suited to proactive planners who value stable, high-limit protection year after year.

  • Up to 90% reimbursement for dental care
  • Annual benefit increases up to $1,500 after three years
  • Includes orthodontic services
  • No deductible or age limit
  • Guaranteed acceptance with pre-existing conditions covered
  • Higher premium likely due to broad benefits
  • Full value builds over time, not suited for short-term needs
  • May be excessive for users needing only routine or preventive care
Preventive care coverage
80%
Basic care coverage
80%
1st year coverage
Up to $1,000 (combined)
Deductible
none
Coverage limit
none
Preventive care coverage
80%
Basic care coverage
80%
1st year coverage
Up to $1,000 (combined)
Deductible
none
Coverage limit
none
  • Acceptable dental insurance with $1,000 coverage
  • Acceptable dental insurance with $1,000 coverage
With our licensed partner
Our detailed review

The EssentialPlan from Group Medical Services (GMS) offers straightforward and solid dental coverage with 80% reimbursement for both preventive and basic care, capped at a combined $1,000 per year. The absence of a deductible or age limit makes this plan particularly accessible, and it stands out for delivering maximum coverage right from the first year—unlike other plans that ramp up over time. While it doesn’t include major dental procedures or broader paramedical benefits, it does what it promises: providing a dependable and uncomplicated dental solution at a fair value.

Ideal profile: This plan is ideal for individuals or couples seeking reliable, mid-range dental protection, particularly those who want high first-year value and simple terms. It's also a smart choice for people new to private dental insurance who want full entry-level coverage with no waiting curve.

Read our detailed review
  • 80% coverage for both preventive and basic dental services
  • Up to $1,000 in reimbursement available from year one
  • No deductible or age restrictions
  • Simple, predictable coverage structure
  • No coverage for major dental work
  • Lacks vision or travel medical benefits
  • Not customizable for broader health needs beyond dental care
Preventive care coverage
Up to $1000 (combined)
Basic care coverage
Up to $1000 (combined)
1st year coverage
$500 (basic services)
Deductible
none
Coverage limit
none
Preventive care coverage
Up to $1000 (combined)
Basic care coverage
Up to $1000 (combined)
1st year coverage
$500 (basic services)
Deductible
none
Coverage limit
none
  • Most popular plan from GMS
  • LifeWorks plan included
  • GMS pay-direct card included
  • Most popular plan from GMS
  • LifeWorks plan included
  • GMS pay-direct card included
With our licensed partner
Our detailed review

The OmniPlan from Group Medical Services (GMS) offers one of the most comprehensive dental and health insurance packages available in the individual market. With up to $1,000 in combined coverage for preventive and basic dental care—including exams, cleanings, and fillings—it provides generous support for routine and slightly more involved dental needs. Notably, there is no deductible and no age-related coverage limit, which increases its appeal for a broader demographic. Although the first-year dental cap for basic services is $500, the higher total combined annual limit means users can access a wider range of benefits across different categories, including physiotherapy, massage therapy, eye exams, and glasses, making it a holistic health option beyond just dental care.

Ideal for: This plan is ideal for individuals or families seeking robust, all-around health coverage, especially those with ongoing needs in both dental and paramedical services. It’s also a solid match for professionals without employer benefits, early retirees, or those who prefer comprehensive private plans over public coverage gaps.

Read our detailed review
  • Generous combined dental coverage up to $1,000
  • No deductible or age limit
  • Includes paramedical services like physiotherapy and vision care
  • One of the most complete benefit packages on the market
  • Dental-specific reimbursement capped at $500 in year one
  • Higher premiums likely due to extensive coverage
  • May be excessive for users seeking dental-only insurance
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In Canada, public health care doesn't cover most dental services—leaving millions of Canadians to pay out of pocket for everything from routine cleanings to major procedures like crowns, root canals, and implants.

With dental costs ranging from $100 to over $1,500 per visit, private dental insurance is essential if you want to protect your health and your wallet. Whether you're a student, retiree, or family of four, the right private dental insurance plan can help you avoid financial surprises and get the care you need—when you need it.

This guide breaks down everything you need to know about dental insurance in 2025:

  • What does private dental insurance cover?
  • How much does dental insurance cost? (individual & family plans)
  • What’s changing with the new Canadian Dental Care Plan (CDCP)?
  • How to find the cheapest dental insurance plan?

Whether you're looking for basic coverage or a comprehensive plan with orthodontics and major dental work, we’ll help you find the best fit—fast. Use our free tool to compare health and dental insurance quotes from Canada's best companies in seconds.

Dental Insurance in Canada: Key Points

  • Provincial healthcare doesn’t cover routine dental care
  • 94% of dental spending comes from private dental insurance in Canada
  • Private dental insurance helps cover $100–$1,500+ procedures
  • Basic plans start at $20/month for individuals
  • Crowns, root canals, and implants cost thousands without insurance
  • Private dental insurance plans cover up to 80% of common treatments
  • Enhanced coverage includes orthodontics, dentures, surgery

What is private dental insurance in Canada?

In Canada, the provincial and territorial public health plans do not fully cover dental care. While each province may offer some limited dental benefits (especially for children, seniors, or those on social assistance), most Canadians must pay out of pocket for routine and specialized dental care—unless they have private dental insurance.

Good to know

Provincial plans such as OHIP in Ontario, RAMQ in Quebec, MSP in British Columbia, and AHCIP in Alberta generally do not cover dental care for most adults, with only limited coverage for specific populations.

Public health coverage across provinces typically does not include services like:

  • Dental cleanings
  • Scaling and root planing
  • Teeth whitening
  • Veneers
  • Dental implants
  • Fluoride applications
  • Sealants for pits and fissures
  • Orthodontic treatments (like braces or palatal expanders)
  • Periodontal treatments (e.g., gum grafts, deep cleaning, periodontal surgery)
  • Recementing crowns (unless prefabricated)

Because dental procedures can be expensive, many Canadians choose to purchase individual dental insurance—either as a standalone plan or as part of a broader extended health insurance policy. This allows you to select coverage that fits your needs and helps reduce the out-of-pocket cost of both basic and major dental work.

While private dental insurance fills the gap for most Canadians, there’s also a growing public option to consider. The new Canadian Dental Care Plan (CDCP) is expanding access to federally funded dental services for eligible groups.

Who is eligible for public dental insurance in Canada?

who is eligible for the cdcp illustration

In Canada, public dental coverage is limited and varies by province or territory. However, with the launch of the new Canadian Dental Care Plan (CDCP), more people than ever before are now eligible for federally funded dental coverage.

Under the Canadian Dental Care Plan (CDCP) – 2025

To be eligible, you must meet all of the following:

  • Be a Canadian resident
  • Have an annual adjusted family net income under $90,000
  • Not have access to private dental insurance (through an employer, group plan, or personal coverage)
  • Have filed your taxes in the previous year

Depending on your income, you may qualify for:

  • Full coverage (100%) if your income is under $70,000
  • Partial coverage (co-pays apply) if your income is between $70,000 and $89,999

Who Can Apply in 2025?

As of 2025, CDCP is being rolled out in phases:

  • Seniors aged 65 and over
  • Children under 18
  • Adults with a valid Disability Tax Credit (DTC) certificate
  • All other eligible adults aged 18 to 64 (applications open in May 2025)

Provincial & Territorial Coverage (Additional Support)

In addition to the CDCP, many provinces and territories offer limited dental coverage for certain groups, such as:

  • Children (e.g. Healthy Smiles Ontario, Alberta Child Health Benefit)
  • Low-income adults and seniors
  • Recipients of social assistance or disability support

Coverage varies by region and typically includes only basic or emergency services, such as extractions, exams, and fillings. Given the high out-of-pocket costs for common dental procedures, many Canadians turn to private dental insurance to reduce these expenses and access a broader range of care.

How much does dental care cost without dental insurance in 2025?

If you don’t have dental insurance in Canada, you’ll need to pay out of pocket for most dental procedures. While provincial plans may cover some emergency or medically necessary dental care for certain groups (like low-income residents or children), the majority of routine and advanced treatments are not covered.

Dental care costs can vary slightly depending on your province and the dentist's pricing, but here are the average 2025 prices you can expect to pay across Canada:

Dental serviceAverage out-of-pocket cost (2025)
Dentist consultation and oral exam
$100
Dental cleaning (standard)
$75
Scaling and fluoride treatment
$150
Filling (tooth restoration)
$180
Root canal treatment
$750
Tooth and root devitalization
$950
Dental crown (metal)
$1,500
Periodontal exam
$100
Estimates of dental services based on 2025 national fee guides and provincial dental associations

Without insurance, these costs can add up quickly—especially for families or individuals who need ongoing care or major treatments. That’s why many Canadians consider private dental insurance plans to help offset these expenses and access more comprehensive care.

Expert advice

To compare the best dental insurance plans available in Canada, use our free online quote tool at the top of this page. You can receive multiple personalized offers and find the plan that’s right for you.

What does private dental insurance cover in Canada?

what does dental insurance cover an illustration

Private dental insurance in Canada is designed to help cover the cost of a wide range of dental treatments—from routine checkups to major restorative work and orthodontics. While the exact coverage depends on the insurer and the plan you choose, most private dental insurance plans include the following types of care:

Type of dental careExamples of services typically includedTypical coverage
Preventive care
Routine exams, cleanings, X-rays, polishingOften 80–100%
Basic care
Fillings, extractions, scalingOften 70–80%
Major restorative care
Crowns, bridges, root canals (endodontics)Often 50%
Oral surgery
Tooth extractions, bone graftsOften 50%
Periodontal care
Gum treatments, deep cleaning, root planingOften 50%
Orthodontics (optional)
Braces, aligners, palatal expandersOften 50% (if included)
Prosthodontics
Dentures, dental implantsOften 50%
Emergency dental care
Urgent dental treatment following an accidentIncluded in most plans
Dental insurance coverage in Canada

Good to know

Coverage percentages and annual limits vary by provider and plan level. Some insurers have waiting periods (often 3–6 months) for basic or major services.

Examples of dental insurance coverage from major providers in Canada

Here’s a sample of what some leading insurance providers offer in their dental plans. These are examples only—actual benefits may vary based on the province and selected plan.

Insurance providerTypical Dental insurance benefits
Sun Life
  • Up to 80% reimbursement for preventative dental care ($750 annual maximum)
  • Up to 50% reimbursement for restorative dental care ($500 annual maximum)
  • Up to 60% reimbursement for orthodontics ($1,500 lifetime maximum)
Manulife
  • Annual maximum of $840 for the 1st and 2nd year, increasing to $920 in later years
  • Oral surgery, periodontal, and endodontic care: 0% coverage in year 1, 60% in year 2, 80% from year 3 onward
  • Orthodontics, crowns, bridges, and removable dentures: 0% in year 1, 60% starting in year 2
Blue Cross
  • Up to 80% coverage for routine care with no annual limit
  • Up to 60% coverage for major dental coverage (24 month wait with annual max of $500)
  • Periodontal and orthodontic care: 60% coverage after a 24-month wait; up to $1,200/year for periodontal care and $1,500 lifetime max for orthodontics (under age 18)
What does Dental Insurance Canada cover? Key coverage examples

These figures are estimates based on publicly available plan details. Always review plan documents or speak to a licensed advisor before purchasing.

What does dental insurance cost in Canada in 2025?

In 2025, private dental insurance in Canada can be as affordable as $20/month for basic individual coverage, or well over $150/month for full family plans with enhanced benefits.

The cost of private dental insurance in Canada can vary significantly based on a few key factors. Understanding these will help you choose the right plan at the right price.

Factors that affect your dental insurance cost

  • Your age: Older adults may pay more, especially for enhanced or major dental coverage.
  • Smoking status: Non-smokers typically pay lower premiums.
  • Province or territory: Regional dental fee guides vary, which can impact plan pricing.
  • Coverage level: Basic plans are more affordable, while enhanced plans with orthodontics or major procedures cost more.
  • Individual vs. family plan: Covering dependents increases the total monthly premium.
  • Bundled vs. standalone: Dental insurance can be purchased alone or included as part of an extended health insurance package.
  • Waiting periods and deductibles: Plans with no waiting periods or lower deductibles usually come at a higher premium.

Expert advice

In many cases, dental coverage is bundled with health insurance that includes prescriptions, vision care, and paramedical services. This is especially common for self-employed individuals or retirees purchasing their own plans.

Average Dental Insurance Costs in Canada (2025)

Here’s a general idea of what you can expect to pay, depending on the type of plan you choose:

Plan TypeMonthly Cost (2025)What’s Usually Covered
Basic Individual Plan
$20 – $45Exams, cleanings, X-rays, fillings
Enhanced Individual Plan
$50 – $90Everything in Basic + root canals, extractions, crowns, partial dentures
Family Plan
$90 – $180+Coverage for adults and children, often includes orthodontics and major restorative work
Combined Health + Dental Plan
$80 – $200+Includes dental, prescription drugs, vision, hospital, and extended health benefits
Dental insurance costs in 2025

These are average monthly premiums. Actual pricing may vary by province, insurer, and applicant profile.

Expert advice

Whether you're just looking for routine checkups or want peace of mind for major procedures, there's a plan out there to fit your needs. The best way to get started? Use our free tool and compare quotes from multiple providers to get the best rates on dental insurance.

Should you get private dental insurance after age 65 in Canada?

With the introduction of the Canadian Dental Care Plan (CDCP) in 2024, many seniors in Canada now have access to publicly funded dental care. The program is being rolled out in phases and will eventually cover most Canadians without private dental insurance, starting with seniors aged 65 and over.

Under the CDCP, eligible seniors may receive partial or full coverage for services such as:

  • Preventive care (e.g., cleanings, fluoride treatments)
  • Diagnostic services (e.g., exams, X-rays)
  • Restorative treatments (e.g., fillings)
  • Endodontic procedures (e.g., root canals)
  • Prosthodontics (e.g., dentures, repairs)
  • Periodontal care (e.g., deep cleanings)
  • Oral surgeries (e.g., extractions)

However, coverage under the CDCP depends on your income and whether you already have private insurance. It may not cover all procedures or the entire cost of treatment. For example, cosmetic procedures and some complex treatments may be excluded or only partially reimbursed.

If you require more comprehensive coverage or quicker access to care, purchasing private dental insurance can still be worthwhile. Private plans can supplement what the CDCP offers, especially if you want broader coverage for major dental work or orthodontics.

Before making a decision, compare what’s included in your public plan and explore private options from providers like Blue Cross, Manulife, or Desjardins that cater specifically to Canadians aged 65 and older.

While the CDCP addresses dental coverage for seniors, younger Canadians — particularly students — face a different set of options and challenges when it comes to dental insurance.

How does dental insurance for students work?

Students in Canada can purchase individual dental insurance, and in many cases, it's a valuable complement — or alternative — to the coverage offered through their school.

Are students already covered?

Many colleges and universities in Canada include dental insurance as part of a student health and dental plan, often administered through the school's student union. Examples include:

  • University of Toronto (U of T): The UTSU Health and Dental Plan offers dental coverage that includes preventive care, basic procedures, and some advanced treatments. It's commonly referred to as U of T dental insurance.
  • York University: Offers student dental coverage that reimburses a portion of costs for a wide range of dental services, from routine exams to more involved treatments.
  • Toronto Metropolitan University (formerly Ryerson University): Also provides student dental insurance, helping students access the dental care they need during their studies.

Other universities such as McGill, UBC, University of Alberta, Concordia, and Western also have similar plans, often in partnership with providers like Studentcare or Green Shield Canada.

What’s covered under public student dental insurance?

Student dental plans vary by institution but often cover:

  • Routine oral exams and cleanings
  • X-rays
  • Fillings and cavity repairs
  • Root canals and periodontal treatments
  • Simple extractions and some oral surgery
  • Preventive treatments like fluoride applications
  • Denture repairs and maintenance

Coverage usually ranges from 70% to 100% for eligible services, with annual maximums of $500–$1,000 depending on the plan.

What if you need more coverage?

If your student plan doesn’t fully meet your needs — for example, if you need orthodontics, major dental work, or higher coverage limits — you have two options:

  1. Opt out of the school plan (usually during a set opt-out window) and buy a private dental insurance policy tailored to your needs.
  2. Supplement your existing student plan with additional private coverage to fill the gaps.

Private providers like Sun Life, Manulife, Blue Cross, and Green Shield offer customizable plans for students and young adults across Canada.

Expert advice

Before making a decision, be sure to compare plans side by side based on your coverage needs and budget. Use our free online comparison tool at the top of this guide to find the best dental insurance for students in Canada.

Can I get combined prescription drug and dental insurance in Canada?

Yes, it is possible to purchase a combined insurance plan that includes both prescription drug and dental coverage. These are typically offered as part of a health and dental insurance package, where drug and dental benefits are included either by default or as optional add-ons.

Many Canadian providers — including Blue Cross, Costco, Sun Life, and Desjardins — offer comprehensive plans that cover a range of medical and dental services. These plans may include:

  • Prescription medications: Partial or full reimbursement for eligible drugs, depending on the plan.
  • Basic dental care: Coverage for services like annual exams, cleanings, and fillings.
  • Major dental procedures (depending on your plan level): Coverage for crowns, dentures, and root canals.
  • Orthodontic treatments (often optional): Partial coverage for children and, in some cases, adults.

Combined plans can be a convenient and cost-effective way to manage routine healthcare expenses. When comparing options, it’s important to consider coverage limits, waiting periods, and whether your province offers any public drug coverage that may impact your private plan needs.

How to cancel dental insurance in Canada?

Cancelling your dental insurance in Canada is generally straightforward, but it’s important to follow the proper steps and be aware of your provider’s terms.

Start by reviewing your policy.
Before making any changes, check:

  • The required notice period (often 30 days)
  • Whether you’re eligible for a refund on prepaid premiums
  • Minimum contract duration, if any
  • Whether cancelling will impact other health benefits in a bundled plan

Next, contact your insurance provider.
Reach out via phone, email, or the insurer’s online platform. Be prepared to:

  • Provide your policy or member number
  • Confirm your identity
  • Submit a written request or fill out a cancellation form, if required

Request confirmation in writing.
This should clearly state the cancellation date, any refunds or final charges, and when your coverage officially ends.

Arrange for alternate coverage, if needed.
If you're cancelling but still need dental care coverage, consider:

  • Switching to a new private dental plan
  • Joining a family or spousal plan
  • Exploring coverage through an employer or school

Comparing plans online using our free tool can help you find better value and avoid a lapse in coverage.

How to file a claim for dental insurance in Canada?

Filing a dental claim in Canada is a simple process if you understand your plan and keep track of key documents.

First, determine how your plan processes claims.
Dental plans typically follow one of two models:

  • Direct billing: The dental clinic sends the claim directly to your insurer, and you pay only what’s not covered.
  • Reimbursement: You pay in full upfront, then submit the claim for reimbursement.

If you’re submitting the claim yourself, gather these documents:

  • A completed claim form (available on your insurer’s website)
  • An itemized receipt with procedure codes, the dentist’s information, and the cost breakdown
  • Your policy or member number

Submit the claim through one of the following methods:

  • Online via your insurer’s portal or mobile app
  • By email with scanned documents
  • By mail with original receipts and the claim form

Always keep copies of everything you send in case of a dispute or delay.

Track your claim and check the outcome.
Most claims are processed within 5 to 10 business days. Once reviewed, you'll receive:

  • An Explanation of Benefits (EOB) showing what was covered
  • A payment by cheque or direct deposit, if you're eligible for reimbursement

Expert advice

  • Submit your claim within the required timeframe (often within 90 days of the procedure)
  • For major dental work, check whether prior approval is needed
  • If a claim is denied, you can request a review or file an appeal

8 Tips to get cheap dental insurance in Canada

Looking for dental insurance that won’t break the bank? You’re not alone. With rising dental care costs, finding a plan that fits your needs and your budget can make a big difference. Here are 8 smart tips to help you save money while getting the coverage you need:

  1. Compare multiple quotes: Don’t settle for the first plan you see. Use online comparison tools to view options side-by-side based on price, coverage, and exclusions. Our HelloSafe tool lets you compare multiple personalized quotes instantly for free.
  2. Choose the right level of coverage: If you only need routine care like cleanings and exams, go for a basic plan. There’s no need to pay extra for major or orthodontic coverage unless you’ll actually use it.
  3. Consider bundled health + dental plans: Combined plans often offer better value than standalone dental insurance—especially if you also need prescription or vision coverage.
  4. Look for group or association plans: If you’re a student, freelancer, union member, or part of a professional association, you may be eligible for discounted group plans with better rates.
  5. Opt for a higher deductible: Choosing a plan with a higher deductible (the amount you pay before insurance kicks in) can lower your monthly premium.
  6. Check for waiting periods: Some lower-cost plans come with waiting periods before certain procedures are covered. If you don’t need care right away, this could help reduce your premium.
  7. Ask your employer about coverage: Even part-time or contract jobs may offer access to group benefits at reduced rates. It’s always worth checking!
  8. Review your plan annually: Your dental needs (and available plans) can change from year to year. Reassess your coverage yearly to make sure you’re still getting the best value.

Expert advice

The cheapest plan isn’t always the best one—look closely at what's actually covered so you don’t end up paying more out-of-pocket later. The easiest way to get the cheapest health and dental insurance quotes is by using our comparator at the top of this page. Compare multiple plans and get instant quotes from Canada's best health insurance companies.

FAQs on dental insurance in Canada

Still have questions? Here are some of the most frequently asked questions about dental insurance in Canada to help guide your decision.

Can I purchase dental insurance only?

Yes, you can purchase standalone dental insurance in Canada without bundling it with health coverage. Many providers offer flexible dental-only plans that cover preventive care, basic procedures, and major treatments depending on the plan level.

How much is a dental x-ray without insurance?

A dental X-ray in Canada typically costs between $25 and $100, depending on the type and number of x-rays needed. A full-mouth series may cost more, especially in urban centres.

How much does a dental bridge cost without insurance?

A dental bridge in Canada can cost between $2,000 and $5,000 per unit, depending on the material used, the number of teeth involved, and the complexity of the procedure.

Are dental implants covered by insurance in Canada?

Most basic dental insurance plans do not cover implants, but some higher-tier or specialized plans may offer partial reimbursement. You may also be able to claim a portion under a Health Spending Account if your employer offers one.

Can I get a no-waiting period dental insurance in Canada?

Some Canadian insurers offer dental plans with no waiting periods for basic services like cleanings and exams. However, major procedures such as crowns or root canals often come with a waiting period of 3 to 12 months.

How much is a dental cleaning without insurance?

Dental cleaning without insurance usually costs between $100 and $300 per visit. The price varies based on location, the clinic, and whether scaling or polishing is required.

Are braces covered by dental insurance?

Some dental insurance plans in Canada cover orthodontic treatments like braces, but usually only under enhanced or family plans. Coverage may be partial, with maximum limits (e.g., up to $2,000), and may apply only to individuals under 18.

See our guides on health and dental insurance in Canada

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Daniel
Daniel Clarke
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Daniel is a Canadian personal finance expert passionate about making financial literacy more accessible to everyone. He holds a degree in Economics from the University of British Columbia and a Master’s in Financial Planning from York University. Before joining HelloSafe, he worked as a financial coach and content editor for a number of fintech platforms across Canada. At HelloSafe, Daniel writes clear and practical guides on insurance, credit, savings, and budgeting—always with the goal of helping readers make confident and informed money decisions.

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