Is CAA dental insurance worth it? 2025 Review
Our expert's opinion on CAA
ScoreCAA dental insurance, offered in partnership with Securian Canada, presents a robust and flexible option for Canadians seeking individual or family coverage. The plans earn high marks for their accessibility, offering both guaranteed issue and fully underwritten options, which cater to a wide range of health profiles. Reimbursement rates for preventive and basic care start at a solid 70-80% and can increase to 100% after the second year, a significant long-term benefit. Annual maximums range from $450 to $1,250, aligning with industry standards for individual plans. Preventive care is a clear strength, encouraging routine check-ups.
Compared to other individual health insurers, CAA stands out with its member-exclusive discounts and specialized 'Next' plans for retirees, though its pricing on enhanced plans is at the higher end of the market. These plans are particularly well-suited for retirees, the self-employed, and families transitioning away from group benefits.
While specific claims processing times are not published, CAA provides a modern online claims portal and has earned a positive 4.0/5 rating on InsurEye from over 120 reviews, indicating reliable customer support and a straightforward user experience.
- ✅Guaranteed acceptance plan options
- ✅Specialized plans for retirees leaving group coverage
- ✅Progressive reimbursement rates up to 100%
- ✅Multiple plan tiers for budget flexibility
- ✅5% discount for existing CAA members
- ✅Straightforward online quote and enrollment
- ✅Accessible licensed phone advisors
- ❌Major dental work waiting period up to 3 years
- ❌No coverage for cosmetic dentistry
- ❌Limited major care on lower-tier plans
- ❌No dedicated mobile application for claims
- ❌Pre-existing conditions generally excluded
Score- ✅Guaranteed acceptance plan options
- ✅Specialized plans for retirees leaving group coverage
- ✅Progressive reimbursement rates up to 100%
- ✅Multiple plan tiers for budget flexibility
- ✅5% discount for existing CAA members
- ✅Straightforward online quote and enrollment
- ✅Accessible licensed phone advisors
Our expert's opinion on CAA
- ✅Guaranteed acceptance plan options
- ✅Specialized plans for retirees leaving group coverage
- ✅Progressive reimbursement rates up to 100%
- ✅Multiple plan tiers for budget flexibility
- ✅5% discount for existing CAA members
- ✅Straightforward online quote and enrollment
- ✅Accessible licensed phone advisors
- ❌Major dental work waiting period up to 3 years
- ❌No coverage for cosmetic dentistry
- ❌Limited major care on lower-tier plans
- ❌No dedicated mobile application for claims
- ❌Pre-existing conditions generally excluded
Score- ✅Guaranteed acceptance plan options
- ✅Specialized plans for retirees leaving group coverage
- ✅Progressive reimbursement rates up to 100%
- ✅Multiple plan tiers for budget flexibility
- ✅5% discount for existing CAA members
- ✅Straightforward online quote and enrollment
- ✅Accessible licensed phone advisors
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.
Types of dental plans offered by CAA
CAA, in partnership with Securian Canada, provides personal dental insurance plans for Canadians who do not have access to group benefits. These plans are designed for different needs and application scenarios.
- Individual and dental family plans: Designed for self-employed individuals, retirees, or contract workers, with options that may require a medical questionnaire for broader coverage.
- Guaranteed issue plans: Offered to individuals and families with no medical questions required, ensuring acceptance.
- Next plans: Created for those leaving a group benefits plan to ensure they have continuous coverage without a lapse.
CAA's Dental Insurance Coverage
CAA offers several dental insurance plans in partnership with Securian Canada. Coverage levels, reimbursement rates, and annual maximums vary depending on the specific plan chosen (e.g., Essential, Standard, Enhanced). The following table provides a general overview of the available dental guarantees.
| Guarantee | Included in plan? | Reimbursement rate (%) | Annual maximum ($) | Waiting period (months) |
|---|---|---|---|---|
| Preventive care (check-ups, cleanings) | Yes | 70-80% (increases with plan tenure) | $450 - $1,250 | Not specified |
| Basic restorative care (fillings, extractions) | Yes | 70-80% (increases with plan tenure) | Included in annual maximum | Not specified |
| Major restorative care (crowns, dental bridges) | Yes (Some plans) | 50-60% (after year 2 or 3) | Included in annual maximum | Not specified |
| Endodontics (root canal therapy) | Yes (Some plans) | 60-80% | Included in annual maximum | Not specified |
| Periodontics (gum treatments) | Yes (Some plans) | 60-80% | Included in annual maximum | Not specified |
| Orthodontics (braces, Invisalign) | Yes (Enhanced plans) | 60% (after year 2) | Included in annual maximum | Not specified |
| Oral surgery | Not specified | Not specified | Not specified | Not specified |
| Emergency dental care | Yes | Included in plan coverage | Included in annual maximum | Not specified |
| Dental implants | Not specified | Not specified | Not specified | Not specified |
| Cosmetic dentistry (whitening, veneers) | No | Not covered | Not applicable | Not applicable |
| Anesthesia/sedation coverage | Not specified | Not specified | Not specified | Not specified |
| Accidental dental injury coverage | Yes | Included in plan coverage | Included in annual maximum | Not specified |
The Cost of CAA Dental Insurance in 2025
| Type of coverage | Value plan 1 | Value plan 2 | Value plan 3 |
|---|---|---|---|
| Individual (1 insured) | About $52/month | About $69/month | About $99/month |
| Couple (2 insured) | About $98/month | About $129/month | About $185/month |
| Single-parent family (1 adult + 2 children) | About $82/month | About $109/month | About $155/month |
| Family (2 adults + 2 children) | About $129/month | About $169/month | About $245/month |
*These are indicative prices and may vary depending on individual circumstances and the selected plan.
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| Caa 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 do dental insurance claims work with CAA?
| Feature | Availability | Expert opinion (one clear sentence of 15–25 words) |
|---|---|---|
| Online claim submission | ✅ | You can submit claims conveniently through the member portal, which helps avoid paperwork and can speed up reimbursement. |
| Mobile app | ❌ | The absence of a dedicated mobile app means you cannot manage claims or access your coverage details conveniently on the go. |
| Member portal for claim tracking | ✅ | This secure portal allows you to monitor the status of your claims and review your policy information online 24/7. |
| Claim reimbursement simulator | ❌ | You cannot estimate your out-of-pocket expenses for a procedure, which makes financial planning for dental treatments more difficult. |
| Reimbursement time frame | ❌ | Without a publicly stated timeframe, you will not have a clear expectation of how long your claim reimbursement will take. |
| Adding or removing members without fees | ✅ | This gives you the flexibility to easily update your policy to reflect changes in your family structure without penalties. |
| Telephone assistance with a healthcare professional | ❌ | Phone support is provided by licensed insurance advisors, not healthcare professionals who can offer medical or dental advice. |
| Second medical opinion | ❌ | Your plan does not include a formal service for obtaining a second expert opinion on a complex dental diagnosis. |
| 24/7 travel assistance | ❌ | Stand-alone dental insurance does not include travel assistance, requiring you to purchase separate coverage for trips abroad. |
What Customers Say About CAA Dental Insurance
| Review site | Rating and number of reviews |
|---|---|
| 3.8/5 (200+ reviews) | |
| InsurEye | 4.0/5 (120+ reviews) |
Here is a summary of the feedback from policyholders:
✅ The online quote and enrollment process is frequently described as easy and straightforward.
✅ The helpfulness of the phone advisors is a common point of positive feedback.
✅ The availability of flexible plan options is often highlighted by members.
❌ A number of customers have reported experiencing delays with claims processing.
❌ The limited coverage for major dental work is a recurring point of dissatisfaction.
❌ The lack of a dedicated mobile app is mentioned as a negative by some users.
Here are examples of reviews left online:
- "I switched to CAA for dental insurance after retiring and found the process very straightforward. The advisor explained all the options and I got coverage for my whole family. Claims were processed quickly.", Linda M., April 2025, Google
- "The dental plan is good for basic care, but I was disappointed by the waiting period for major work and the lack of coverage for implants. Customer service was helpful but couldn’t change the policy terms.", Mark S., March 2025, InsurEye
How to Contact CAA
| Reason for contact | Contact CAA |
|---|---|
| For a dental insurance quote 🧾 | Call a licensed advisor at 1-866-714-9007. The line is open Monday to Friday, from 8:30 AM to 8:00 PM EST. |
| For proof of dental insurance 🧾 | You can access your proof of coverage document at any time by logging into the secure online member portal. |
| For dental assistance 🩺 | Speak with a representative by calling 1-866-714-9007. Hours are Monday to Friday, from 8:30 AM to 8:00 PM EST. |
| To report a dental claim or track a reimbursement 🔍 | Submit your claim or check its status through the online member portal. For phone support, call 1-866-714-9007 during business hours. |
FAQ
Who can apply for CAA dental insurance?
Any Canadian resident can apply for a CAA dental insurance plan, which is offered in partnership with Securian Canada. Applications can be submitted directly through the official CAA website. Since there are several plans available, it is a good idea to first compare different dental insurance offers online. This will help you find the policy that best suits your personal needs and budget.
Are there any age requirements with CAA?
Yes, CAA has age guidelines for its dental insurance plans. While adults of any age can apply for coverage for themselves, there are limits for dependent children. Children can be included on a family plan up to the age of 21. This ensures that young adults can remain covered under their family's policy while they may still be financially dependent or pursuing their education.
Can members be added or removed from CAA dental insurance?
Yes, you can include your spouse and dependent children on your CAA dental insurance plan. Family members can be added either at the time of your initial application or at a later date. This flexibility allows you to adjust your coverage as your family's circumstances change, ensuring everyone who needs coverage can be included on a single policy.
Is there a waiting period for major dental work?
Yes, CAA dental insurance plans have waiting periods for more expensive procedures. While you can typically access preventive and basic services shortly after your plan starts, major restorative work like crowns and bridges, as well as orthodontic services, are usually only covered after your second or third year as a policyholder. This is a standard practice to manage costs and ensure long-term plan viability.
Are pre-existing dental conditions covered?
Generally, pre-existing dental conditions are not covered by CAA's dental insurance plans, especially their guaranteed issue policies that do not require a medical questionnaire. This means if you need treatment for a dental issue that existed before you purchased the policy, the costs will likely not be reimbursed. It is very important to review the policy details carefully to understand all exclusions.
Does CAA dental insurance cover cosmetic procedures like teeth whitening?
No, cosmetic dental procedures are not covered under CAA's dental insurance plans. Services such as teeth whitening, veneers, or other treatments that are performed primarily to improve the appearance of your teeth are explicitly excluded from coverage. The plans are designed to help with the costs of medically necessary dental treatments to maintain oral health, not for aesthetic enhancements.
Who can apply for CAA dental insurance?
Any Canadian resident can apply for a CAA dental insurance plan, which is offered in partnership with Securian Canada. Applications can be submitted directly through the official CAA website. Since there are several plans available, it is a good idea to first compare different dental insurance offers online. This will help you find the policy that best suits your personal needs and budget.
Are there any age requirements with CAA?
Yes, CAA has age guidelines for its dental insurance plans. While adults of any age can apply for coverage for themselves, there are limits for dependent children. Children can be included on a family plan up to the age of 21. This ensures that young adults can remain covered under their family's policy while they may still be financially dependent or pursuing their education.
Can members be added or removed from CAA dental insurance?
Yes, you can include your spouse and dependent children on your CAA dental insurance plan. Family members can be added either at the time of your initial application or at a later date. This flexibility allows you to adjust your coverage as your family's circumstances change, ensuring everyone who needs coverage can be included on a single policy.
Is there a waiting period for major dental work?
Yes, CAA dental insurance plans have waiting periods for more expensive procedures. While you can typically access preventive and basic services shortly after your plan starts, major restorative work like crowns and bridges, as well as orthodontic services, are usually only covered after your second or third year as a policyholder. This is a standard practice to manage costs and ensure long-term plan viability.
Are pre-existing dental conditions covered?
Generally, pre-existing dental conditions are not covered by CAA's dental insurance plans, especially their guaranteed issue policies that do not require a medical questionnaire. This means if you need treatment for a dental issue that existed before you purchased the policy, the costs will likely not be reimbursed. It is very important to review the policy details carefully to understand all exclusions.
Does CAA dental insurance cover cosmetic procedures like teeth whitening?
No, cosmetic dental procedures are not covered under CAA's dental insurance plans. Services such as teeth whitening, veneers, or other treatments that are performed primarily to improve the appearance of your teeth are explicitly excluded from coverage. The plans are designed to help with the costs of medically necessary dental treatments to maintain oral health, not for aesthetic enhancements.
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