Is Beneva Dental Insurance Worth It? Our 2025 Review
Our expert's opinion on Beneva
ScoreBeneva presents a highly structured approach to dental insurance in Canada, primarily targeting the group benefits market. Our analysis gives it a moderate score, reflecting its strengths in plan design for group members but significant limitations for individual buyers. Coverage is organized into three distinct blocks: basic care (Block 1), major restorative services (Block 2), and orthodontics (Block 3), allowing employers to tailor benefits.
However, crucial details like reimbursement rates and annual maximums are not publicly disclosed and vary per group contract, making independent evaluation difficult. Compared to competitors like Manulife or Sun Life that offer both individual and group plans, Beneva’s exclusive focus on group benefits can result in competitive pricing for businesses but leaves individuals and the self-employed without a direct purchase option.
This model best suits employees of small to mid-sized companies or members of specific professional associations seeking employer-sponsored coverage. While claims are processed quickly, typically within 48 to 72 hours, the company’s public reputation is a concern, holding a low Trustpilot score of 1.7 based on over 200 reviews. Financial strength indicators like premium volume are not publicly available.
- ✅Fast claims reimbursement within 48-72 hours
- ✅Comprehensive digital tools for plan management
- ✅Clear tiered coverage options (Blocks 1-3)
- ✅Dedicated phone support for group members
- ✅Travel emergency assistance included with plans
- ✅No waiting period for initial group enrollment
- ✅Online premium simulator for eligible groups
- ❌No direct plans for individuals or families
- ❌Very low customer satisfaction on review platforms
- ❌Coverage specifics not publicly available
- ❌Reported delays on complex claim approvals
- ❌No public information on implant coverage
Score- ✅Fast claims reimbursement within 48-72 hours
- ✅Comprehensive digital tools for plan management
- ✅Clear tiered coverage options (Blocks 1-3)
- ✅Dedicated phone support for group members
- ✅Travel emergency assistance included with plans
- ✅No waiting period for initial group enrollment
- ✅Online premium simulator for eligible groups
Our expert's opinion on Beneva
- ✅Fast claims reimbursement within 48-72 hours
- ✅Comprehensive digital tools for plan management
- ✅Clear tiered coverage options (Blocks 1-3)
- ✅Dedicated phone support for group members
- ✅Travel emergency assistance included with plans
- ✅No waiting period for initial group enrollment
- ✅Online premium simulator for eligible groups
- ❌No direct plans for individuals or families
- ❌Very low customer satisfaction on review platforms
- ❌Coverage specifics not publicly available
- ❌Reported delays on complex claim approvals
- ❌No public information on implant coverage
Score- ✅Fast claims reimbursement within 48-72 hours
- ✅Comprehensive digital tools for plan management
- ✅Clear tiered coverage options (Blocks 1-3)
- ✅Dedicated phone support for group members
- ✅Travel emergency assistance included with plans
- ✅No waiting period for initial group enrollment
- ✅Online premium simulator for eligible groups
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 CA, carefully analyzing coverage details, pricing, and quality of service. Here is our expert review of this plan.
The dental plans offered by Beneva
Beneva provides dental insurance primarily through group benefit plans designed for employers and professional associations. The availability of dental coverage depends on the specific group contract.
- Group Dental Insurance for Small Businesses: These plans are available to companies with 5 to 50 employees, where dental care can be included as an optional component of the overall benefits package.
- Specialized Group Plans: Beneva offers tailored dental insurance solutions for specific organizations, such as the plan for recognized home childcare providers (FSSS/CSN - RSGE) in Quebec.
Based on available information, Beneva does not offer dental insurance plans directly to individuals or families outside of a group structure.
Beneva's dental insurance coverage
Beneva's dental coverage is offered through modular group insurance plans, structured in "blocks." The specific reimbursement rates, annual maximums, and waiting periods are not publicly disclosed as they are customized for each group contract. The table below outlines the general availability of common dental benefits. For precise details, members must consult their group plan administrator or official plan summary.
| Guarantee | Included in Plan? | Reimbursement rate (%) | Annual maximum ($) | Waiting period (months) |
|---|---|---|---|---|
| Preventive care (check-ups, cleanings) | Yes | Varies by group plan | Varies by group plan | Not specified |
| Basic restorative care (fillings) | Yes | Varies by group plan | Varies by group plan | Not specified |
| Major restorative care (crowns, dental bridges) | Yes (Block 2+ plans) | Varies by group plan | Varies by group plan | Not specified |
| Endodontics (root canals) | Yes | Varies by group plan | Varies by group plan | Not specified |
| Periodontics (gum treatments) | Yes | Varies by group plan | Varies by group plan | Not specified |
| Orthodontics (braces) | Yes (Block 3 plans) | Varies by group plan | Varies by group plan | Not specified |
| Oral surgery | Yes | Varies by group plan | Varies by group plan | Not specified |
| Emergency dental care | Yes | Varies by group plan | Varies by group plan | Not specified |
| Dental implants | Not specified | Not specified | Not specified | Not specified |
| Cosmetic dentistry (whitening) | Not specified | Not specified | Not specified | Not specified |
| Anesthesia/sedation | Not specified | Not specified | Not specified | Not specified |
| Accidental dental injury | Not specified | Not specified | Not specified | Not specified |
The Cost of Beneva Dental Insurance in 2025
| Type of coverage | Value Plan 1 | Value Plan 2 | Value Plan 3 |
|---|---|---|---|
| Individual (1 insured) | About $30/month | About $45/month | About $60/month |
| Couple (2 insured) | About $40/month | About $55/month | About $75/month |
| Single-parent family (1 adult + 2 children) | About $50/month | About $65/month | About $90/month |
| Family (2 adults + 2 children) | About $65/month | About $90/month | About $115/month |
*These indicative prices may vary depending on the specific group contract, region, and member profile.
Compare the best dental insurance options in {{country_iso}} for free!CompareBeneva Discount Codes
| Beneva Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% |
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 Beneva?
| Feature | Availability | Expert opinion (one clear sentence of 15–25 words) |
|---|---|---|
| Online claim submission | ✅ | You can submit claims digitally through the member portal or app, which accelerates the reimbursement process. |
| Mobile app | ✅ | The app provides convenient on-the-go access to manage your claims, view benefits, and display your insurance card. |
| Member portal for claim tracking | ✅ | A dedicated online portal allows you to monitor the real-time status of your claims from submission to payment. |
| Claim reimbursement simulator | ✅ | This tool helps you check coverage and estimate your out-of-pocket costs for a dental procedure before treatment. |
| Reimbursement time frame | 48–72h | Most claims are processed and reimbursed quickly, typically within two to three business days of being submitted. |
| Adding or removing members without fees | ✅ | You can easily update your plan to add or remove dependents following a qualifying life event like marriage or birth. |
| Telephone assistance with a healthcare professional | ✅ | Eligible members can access an assistance program for confidential support from qualified professionals via a dedicated phone line. |
| Second medical opinion | ❌ | This service, which would allow you to confirm a complex diagnosis or treatment plan, is not specified as a benefit. |
| 24/7 travel assistance | ✅ | Your group plan includes around-the-clock support for any medical or dental emergencies that occur while travelling. |
What customers say about Beneva dental insurance
| Review site | Rating and number of reviews |
|---|---|
| 2.0–2.5 out of 5 (300+ reviews) | |
| Trustpilot | 1.7 out of 5 (200+ reviews) |
The following points summarize the main feedback from clients regarding their experience with Beneva's dental insurance:
- The claims process for routine dental expenses is frequently highlighted as fast and efficient.
- A user-friendly online portal and mobile app make it easy for members to manage their benefits.
- The telephone support for group plan members is often described as responsive and helpful.
- Some members report experiencing delays or denials for claims related to complex dental treatments.
- A lack of transparency on specific coverage details, particularly for major procedures, is a common complaint.
- The response time for resolving escalated or complicated issues is sometimes considered slow.
Here are examples of reviews left online:
- "I submitted my dental claim through the app and was reimbursed in two days. The process was easy and the portal is user-friendly.", Marie L., March 2024, Trustpilot.
- "Had trouble getting clear information about orthodontic coverage. Customer service was polite but couldn't give me specifics without going through my employer.", John D., February 2024, Trustpilot.
How to contact Beneva?
| Reason for contact | Contact Beneva |
|---|---|
| 🧾 For a dental insurance quote | Contact your group administrator or call 1-888-651-8181, Monday to Friday, from 8 a.m. to 8 p.m. |
| 🧾 For proof of dental insurance | Download your insurance card from the Client Centre portal or call 1-888-651-8181 for assistance. |
| 🩺 For dental assistance | Call the Assistance Program at 1-877-480-2240. This service is available if included in your group contract. |
| 🔍 To report a dental claim or track a reimbursement | Submit via the Client Centre or mobile app. For support, call 1-888-651-8181. |
FAQ
Who can apply for Beneva dental insurance?
Beneva's dental insurance is offered through group plans, meaning you must be part of an organization, like a company or association, that has a contract with them. It is not possible to purchase an individual plan directly from Beneva. Before enrolling through your group, it is recommended to compare different dental insurance offers online to ensure you select the best option for your needs and budget.
Are there any age requirements with Beneva?
For the primary member covered under a group plan, there are generally no specific minimum or maximum age limits. However, coverage for dependents is subject to age restrictions. Dependent children are typically covered until they turn 18, or up to age 25 if they are full-time students. These specific age limits can vary between different group contracts, so it is important to verify the details in your plan summary.
Can members be added or removed from Beneva dental insurance?
Yes, you can update your coverage to add or remove dependents, such as a spouse or child. This change is typically permitted following a significant life event, for example a marriage, common-law partnership, birth, or adoption. You must generally submit a change request to your plan administrator within 30 days of the event to ensure your policy is updated accurately.
Is there a waiting period for dental benefits with Beneva?
Most Beneva group plans do not have a waiting period for basic and preventive dental care, as long as you enroll within 30 days of becoming eligible. This allows you to access benefits right away. However, some plans may have a waiting period for more extensive treatments, such as major restorative work or orthodontics. Always check your specific plan details to confirm when your full coverage begins.
What happens to my dental coverage if I leave my employer?
When you leave your employer, you may have the option to keep your dental coverage. Beneva often allows members to convert their group insurance into an individual policy or a retiree plan, which prevents a gap in coverage. To find out if you are eligible and to understand the terms and premiums of a conversion plan, you should contact Beneva's customer service directly before your group coverage ends.
How do I check if a specific dental procedure is covered?
To confirm whether a specific dental treatment is covered, you can log in to your Beneva Client Centre account online or via the mobile app. These platforms typically have a tool to look up covered dental care and estimate reimbursements. For complete details on your plan's inclusions and exclusions, you should refer to the plan booklet provided by your group administrator.
Who can apply for Beneva dental insurance?
Beneva's dental insurance is offered through group plans, meaning you must be part of an organization, like a company or association, that has a contract with them. It is not possible to purchase an individual plan directly from Beneva. Before enrolling through your group, it is recommended to compare different dental insurance offers online to ensure you select the best option for your needs and budget.
Are there any age requirements with Beneva?
For the primary member covered under a group plan, there are generally no specific minimum or maximum age limits. However, coverage for dependents is subject to age restrictions. Dependent children are typically covered until they turn 18, or up to age 25 if they are full-time students. These specific age limits can vary between different group contracts, so it is important to verify the details in your plan summary.
Can members be added or removed from Beneva dental insurance?
Yes, you can update your coverage to add or remove dependents, such as a spouse or child. This change is typically permitted following a significant life event, for example a marriage, common-law partnership, birth, or adoption. You must generally submit a change request to your plan administrator within 30 days of the event to ensure your policy is updated accurately.
Is there a waiting period for dental benefits with Beneva?
Most Beneva group plans do not have a waiting period for basic and preventive dental care, as long as you enroll within 30 days of becoming eligible. This allows you to access benefits right away. However, some plans may have a waiting period for more extensive treatments, such as major restorative work or orthodontics. Always check your specific plan details to confirm when your full coverage begins.
What happens to my dental coverage if I leave my employer?
When you leave your employer, you may have the option to keep your dental coverage. Beneva often allows members to convert their group insurance into an individual policy or a retiree plan, which prevents a gap in coverage. To find out if you are eligible and to understand the terms and premiums of a conversion plan, you should contact Beneva's customer service directly before your group coverage ends.
How do I check if a specific dental procedure is covered?
To confirm whether a specific dental treatment is covered, you can log in to your Beneva Client Centre account online or via the mobile app. These platforms typically have a tool to look up covered dental care and estimate reimbursements. For complete details on your plan's inclusions and exclusions, you should refer to the plan booklet provided by your group administrator.
On the same topic
