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.
- Good quality-price ratio
- Complete basic care coverage
- Good quality-price ratio
- Complete basic care coverage
The Blue Cross Blue Flex Plan is a customizable health insurance solution designed for individuals with or without remunerative work, including self-employed professionals. It offers flexible modules, with strong dental and extended health benefits forming its core. While its dental coverage isn’t the most extensive, it provides a good foundation for routine and essential dental care, making it a solid option for individuals looking to maintain their oral health affordably.
Dental benefits include 80% reimbursement for preventive services (such as exams, X-rays, and cleanings) and 50% for basic services like fillings, extractions, root canals, and periodontal treatments. This Blue Cross health and dental insurance plan has an annual reimbursement maximum of $500 in the first year and $1,000 in subsequent years, with a $50 deductible per person.
Prescription drug coverage is optional for individuals under age 65, covering 80% to 100% of eligible drug costs, including those not listed by RAMQ, provided they meet Blue Cross criteria. Vision benefits include up to $50 every 24 months for ophthalmologist or optometrist visits. Health practitioner services (chiropractors, massage therapists, psychologists, etc.) are covered at $25 per visit, up to a combined $500 annually. Nursing care offers up to 160 hours or $5,000 annually.
Travel coverage is not included, making this plan more focused on domestic, outpatient, and preventive care.
Ideal for: Individuals who want a flexible plan with a solid foundation in dental and outpatient care. It's a great fit for the self-employed or those without group insurance who need essential dental coverage but don't require travel or major extended health limits.
- Includes preventive and basic dental services
- Optional drug coverage and broad range of health practitioners
- Affordable with guaranteed acceptance
- Designed with the self-employed in mind
- Dental reimbursement caps may be low for major procedures
- Basic services only covered at 50%
- 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
The Sun Life Personal Health Insurance Standard Plan is the most popular option in Sun Life’s personal health insurance lineup. It offers a balanced combination of catastrophic drug coverage, emergency travel insurance, and paramedical benefits, making it well-suited for individuals or families transitioning from group plans or seeking dependable private coverage.
Dental coverage is optional and includes 70% reimbursement for preventive care, up to $750 per year, with a 3-month waiting period. Eligible services include exams, x-rays, white fillings, cleanings, minor extractions, and children’s dental sealants. However, restorative dental care and orthodontics are not included in this plan and are only available through the Enhanced Plan as add-ons.
Prescription drug coverage is a strong feature: the plan reimburses 70% of the first $7,000, and 100% thereafter up to $100,000 annually. There’s no deductible, and the plan includes support for smoking cessation drugs (lifetime maximum of $250). Emergency travel coverage is included, with 100% reimbursement for eligible expenses, a $1 million lifetime maximum, and coverage for trips up to 60 days, until age 80.
Other highlights include 100% coverage for paramedical practitioners (up to $300 per type, per year, no per-visit max), vision care up to $250 every two years, and $2,000 for accidental dental injuries. The semi-private hospital room benefit is optional and includes up to $5,000 annually.
Ideal for: Individuals who want a balanced plan with strong drug and travel benefits, and who are comfortable adding dental care separately. If you expect to need restorative dental or orthodontics, the Enhanced Plan offers more complete dental coverage.
- High drug coverage with catastrophic protection
- Emergency travel medical included (up to 60 days per trip)
- Full reimbursement for paramedical services
- Optional dental and hospital room upgrades
- Vision coverage included
- No coverage for restorative dental or orthodontics
- Dental must be added separately
- 3-month waiting period for dental and 1-year for vision care
- Acceptable dental insurance with $1,000 coverage
- Acceptable dental insurance with $1,000 coverage
The GMS EssentialPlan is a foundational replacement health insurance plan designed for individuals transitioning from employer-sponsored group benefits — particularly retirees or new entrepreneurs. It includes essential extended health and dental coverage, with guaranteed acceptance and no medical questions asked.
Dental benefits are solid, with 80% coverage for preventive and basic services and 50% for major procedures, up to a $1,000 combined annual maximum. This includes exams, cleanings, fillings, crowns, bridges, and dentures, making it a dependable option for maintaining routine dental care after leaving a group plan.
The plan also includes vision care up to $100 every two years (including one eye exam), $500 toward hearing aids every five years, and $600 combined for health practitioners like chiropractors, naturopaths, and osteopaths at 50% reimbursement. You also get unlimited ambulance coverage, $2,000 for accidental dental per injury, and access to the GMS Care Network, including virtual care and counselling services.
Ideal for: Recently retired or self-employed individuals who want affordable and essential coverage, especially if drug coverage isn’t needed. If you need prescription drug support or slightly higher health limits, the ChoicePlan is a more well-rounded step up.
- Strong basic dental benefits, including major procedures
- Unlimited ambulance and good medical equipment coverage
- Guaranteed acceptance with no medical questions
- Access to GMS virtual care and support services
- No prescription drug coverage
- Lower vision and health practitioner limits compared to other plans
- No travel insurance included
- 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
The GMS ExtendaPlan® is a mid-range health insurance plan offering broader core benefits than the BasicPlan, with optional drug and dental add-ons for more complete coverage. It’s a popular choice for those looking for a better mix of paramedical, vision, and extended health care services.
With the dental add-on, the plan provides up to $1,000 in year 3 for both basic and major services (e.g., exams, fillings, crowns, dentures), starting at $500 in year 1 with 75%–80% reimbursement as coverage grows. Preventive care like cleanings and checkups are included, with major dental available from year 2 onward.
The ExtendaPlan also includes vision care (80% up to $250 every 2 years), unlimited ambulance coverage, $2,000 for accidental dental, and $3,000 per year for private duty nursing. It also expands paramedical coverage to $350 annually, including more practitioners like massage therapists and physiotherapists.
Ideal for: Individuals and families who want better health coverage across the board, without jumping to top-tier pricing. For those needing more generous limits and specialist reimbursements, the OmniPlan® may be worth the upgrade.
- Strong balance of coverage and affordability
- Dental add-on includes both basic and major services
- Includes vision, hearing aids, and paramedical benefits
- High accidental dental and unlimited ambulance coverage
- Dental and prescription drugs must be added separately
- Major dental services start only in year 2
- Some limits lower than OmniPlan on specialist care
- $150 for vision care coverage every 2 years
- Emergency medical travel coverage included
- Oral surgery, periodontics, and endodontics coverages are not included
- $150 for vision care coverage every 2 years
- Emergency medical travel coverage included
The Manulife Flexcare® ComboPlus™ Starter Plan is an entry-level health and dental insurance option aimed at affordability and simplicity. It offers modest coverage for routine needs and is one of the few Manulife plans available with no medical questions asked, making it especially accessible.
Dental coverage includes 70% of the first $575, with a maximum of $400 per year. Covered services focus on preventive and minor care, including exams, cleanings, scaling, polishing, fillings, and select extractions. Dental check-ups are available every nine months. Major dental procedures—such as root canals, crowns, bridges, dentures, and orthodontics—are not included.
The plan also covers prescription drugs up to $525 annually, vision care up to $150 every two years, and extended health care services with a $250,000 lifetime limit. This includes paramedical services, orthotics, home nursing, hearing aids, and virtual care via TELUS Health. Emergency travel insurance of $5 million for trips up to 9 days is also built in.
Ideal for: Young adults or individuals in good overall health who want a low-cost plan with basic dental and health coverage. If you need broader dental protection or higher drug limits, the ComboPlus™ Basic or Enhanced Plan may offer better long-term value.
- Affordable and easy to qualify for (no medical questions)
- Includes preventive dental care and routine check-ups
- Virtual care and emergency travel insurance included
- Flexible add-ons for hospital, travel, or AD&D coverage
- No coverage for major dental work (e.g., root canals, crowns)
- Lower annual limits for drugs, dental, and vision
- Check-ups only once every 9 months
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?
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 service | Average 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 |
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?
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 care | Examples of services typically included | Typical coverage |
|---|---|---|
| Preventive care | Routine exams, cleanings, X-rays, polishing | Often 80–100% |
| Basic care | Fillings, extractions, scaling | Often 70–80% |
| Major restorative care | Crowns, bridges, root canals (endodontics) | Often 50% |
| Oral surgery | Tooth extractions, bone grafts | Often 50% |
| Periodontal care | Gum treatments, deep cleaning, root planing | Often 50% |
| Orthodontics (optional) | Braces, aligners, palatal expanders | Often 50% (if included) |
| Prosthodontics | Dentures, dental implants | Often 50% |
| Emergency dental care | Urgent dental treatment following an accident | Included in most plans |
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 provider | Typical Dental insurance benefits |
|---|---|
| Sun Life |
|
| Manulife |
|
| Blue Cross |
|
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 Type | Monthly Cost (2025) | What’s Usually Covered |
|---|---|---|
| Basic Individual Plan | $20 – $45 | Exams, cleanings, X-rays, fillings |
| Enhanced Individual Plan | $50 – $90 | Everything 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 |
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:
- Opt out of the school plan (usually during a set opt-out window) and buy a private dental insurance policy tailored to your needs.
- 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:
- 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.
- 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.
- Consider bundled health + dental plans: Combined plans often offer better value than standalone dental insurance—especially if you also need prescription or vision coverage.
- 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.
- 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.
- 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.
- 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!
- 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.
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.
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.
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.
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.
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.
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.
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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