Is Desjardins dental insurance worth it? 2025 Review
Our expert's opinion on Desjardins
ScoreDesjardins offers a mixed but practical dental insurance solution for Canadians, leading to a moderate overall assessment. Its primary strength is in accessible, immediate care, with plans providing 80% to 100% reimbursement for preventive and basic services without any waiting period. However, access to major care, such as crowns or orthodontics, is restricted to the Enhanced plan and requires a significant 24-month waiting period, a key limitation. Annual maximums are not specified in public documents, necessitating a direct inquiry for complete financial details.
Compared to major Canadian insurers like Sun Life, Desjardins can be more affordable for basic coverage but its waiting periods for major work are notably longer than many competitors. As one of Canada's largest financial cooperatives, Desjardins has significant financial stability, though its Trustpilot score is low at 1.6 from over 400 reviews, indicating challenges in claims handling for complex cases despite easy app-based submissions. Reimbursement for routine care is reportedly swift.
This insurer is best suited for individuals or families who need immediate, reliable coverage for check-ups and basic dental work and can anticipate major procedures well in advance.
- ✅Immediate coverage for preventive and basic care
- ✅Up to 100% reimbursement on enhanced plan
- ✅No waiting period for routine dental services
- ✅Plans for individuals, couples, and families
- ✅Convenient mobile app for claim submissions
- ✅Available 5% multi-coverage discount
- ✅Second medical opinion service included
- ❌Long 24-month wait for major care
- ❌Major dental services excluded from basic plan
- ❌Very low customer satisfaction scores online
- ❌Annual maximums not publicly disclosed
- ❌No cosmetic dentistry coverage
Score- ✅Immediate coverage for preventive and basic care
- ✅Up to 100% reimbursement on enhanced plan
- ✅No waiting period for routine dental services
- ✅Plans for individuals, couples, and families
- ✅Convenient mobile app for claim submissions
- ✅Available 5% multi-coverage discount
- ✅Second medical opinion service included
Our expert's opinion on Desjardins
- ✅Immediate coverage for preventive and basic care
- ✅Up to 100% reimbursement on enhanced plan
- ✅No waiting period for routine dental services
- ✅Plans for individuals, couples, and families
- ✅Convenient mobile app for claim submissions
- ✅Available 5% multi-coverage discount
- ✅Second medical opinion service included
- ❌Long 24-month wait for major care
- ❌Major dental services excluded from basic plan
- ❌Very low customer satisfaction scores online
- ❌Annual maximums not publicly disclosed
- ❌No cosmetic dentistry coverage
Score- ✅Immediate coverage for preventive and basic care
- ✅Up to 100% reimbursement on enhanced plan
- ✅No waiting period for routine dental services
- ✅Plans for individuals, couples, and families
- ✅Convenient mobile app for claim submissions
- ✅Available 5% multi-coverage discount
- ✅Second medical opinion service included
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 types of dental plans offered by Desjardins
Desjardins provides a range of dental insurance options tailored to different household structures and employment situations. These plans are designed to meet various needs, from individual coverage to comprehensive family and group benefits.
- Individual dental plans: Designed for a single adult seeking personal dental coverage.
- Couple plans: Created to cover two adults, such as partners or spouses, under one policy.
- Family dental plans: Cover two adults and their dependent children with shared benefits.
- Single-parent family plans: Tailored specifically for one adult and their dependent children.
- Group dental plans: Offered to employees through their employer or members via an association.
Desjardins Dental Insurance Coverage
This table provides a detailed breakdown of the dental guarantees available under Desjardins's Basic and Enhanced plans. Coverage, reimbursement rates, and waiting periods vary significantly between the two tiers.
| Dental guarantee | Included? (Basic) | Reimbursement rate (Basic) | Annual maximum (Basic) | Waiting period (Basic) | Included? (Enhanced) | Reimbursement rate (Enhanced) | Annual maximum (Enhanced) | Waiting period (Enhanced) |
|---|---|---|---|---|---|---|---|---|
| Preventive care (check-ups, cleanings) | Yes | 80% | Not specified | None | Yes | 100% | Not specified | None |
| Basic restorative care (fillings, x-rays) | Yes | 80% | Not specified | None | Yes | 100% | Not specified | None |
| Major restorative care (crowns, dental bridges) | No | Not covered | Not covered | Not applicable | Yes | Not specified | Not specified | 24 months |
| Endodontics (root canal therapy) | No | Not covered | Not covered | Not applicable | Yes | Not specified | Not specified | 24 months |
| Periodontics (gum treatments) | No | Not covered | Not covered | Not applicable | Yes | Not specified | Not specified | 24 months |
| Orthodontics (braces) | No | Not covered | Not covered | Not applicable | Yes | Not specified | Not specified | 24 months |
| Oral surgery (wisdom teeth) | No | Not covered | Not covered | Not applicable | Yes | Not specified | Not specified | 24 months |
| Emergency dental care (accident only) | Yes | Not specified | Not specified | None | Yes | Not specified | Not specified | None |
| Dental implants | Not specified | Not specified | Not specified | Not specified | Not specified | Not specified | Not specified | Not specified |
| Cosmetic dentistry (whitening, veneers) | No | Not covered | Not covered | Not applicable | No | Not covered | Not covered | Not applicable |
| Anesthesia/sedation | Not specified | Not specified | Not specified | Not specified | Not specified | Not specified | Not specified | Not specified |
| Accidental dental injury | Yes | Not specified | Not specified | None | Yes | Not specified | Not specified | None |
The cost of Desjardins dental insurance in 2025
| Type of coverage | Value plan 1 | Value plan 2 |
|---|---|---|
| Individual (1 insured) | About $45/month | About $70/month |
| Couple (2 insured) | About $85/month | About $130/month |
| Single-parent family (1 adult + 2 children) | About $90/month | About $140/month |
| Family (2 adults + 2 children) | About $120/month | About $185/month |
*These are indicative prices and may vary depending on individual circumstances and the selected plan.
Compare the best dental insurance options in {{country_iso}} for free!CompareDiscount codes for Desjardins
| Desjardins promo codes | Details |
|---|---|
| Multi-coverage discount | 5% discount when purchasing 2 or more eligible coverages on the same policy |
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 Desjardins
| Feature | Availability | Expert opinion (one clear sentence of 15–25 words) |
|---|---|---|
| Online claim submission | ✅ | You can conveniently submit your dental claims from home at any time, which helps to speed up the reimbursement process. |
| Mobile app | ✅ | The Omni app allows you to manage your plan, view your card, and submit claims easily from your smartphone. |
| Member portal for claim tracking | ✅ | This secure online space allows you to check the status of your claims and manage your policy information 24/7. |
| Claim reimbursement simulator | ❌ | You cannot estimate your out-of-pocket costs for a procedure beforehand, so you must wait for the official claim processing. |
| Reimbursement time frame | ❌ | Desjardins does not publish a standard reimbursement timeframe, so processing times for your claims may vary and cannot be predicted. |
| Adding or removing members without fees | ✅ | This feature provides the flexibility to update your policy to reflect changes in your family structure, like a birth. |
| Telephone assistance with a healthcare professional | ✅ | You have access to a dedicated nurse advice line for professional guidance on health-related questions and concerns. |
| Second medical opinion | ✅ | This valuable service allows you to get an expert review of a diagnosis, helping you make more informed healthcare decisions. |
| 24/7 travel assistance | ✅ | This provides access to support for medical emergencies that occur while you are traveling away from your home province. |
What Customers Say About Desjardins Dental Insurance
| Review site | Rating and number of reviews |
|---|---|
| 2.2/5 (1,000+ reviews) | |
| Trustpilot | 1.6/5 (400+ reviews) |
Here is a summary of the feedback from policyholders:
✅ The online claims submission process for routine expenses is frequently highlighted as quick and easy.
✅ A common positive point is the helpfulness of phone support for handling basic inquiries and questions.
❌ A recurring complaint involves significant delays or denials for major dental and orthodontic claims.
❌ The long 24-month waiting period for major dental services is a frequent source of frustration.
❌ Some customers report communication issues and a lack of clarity regarding policy details and coverage.
Here are examples of reviews left online:
- "I was able to submit my dental claim through the app and got reimbursed within a week. The process was straightforward and the customer service rep answered all my questions.", Sarah L., March 2025, Trustpilot
- "I waited over two months for a response on my orthodontic claim, only to be told it wasn’t covered due to the waiting period. The policy details were not clear when I signed up.", Mark D., February 2025, Trustpilot
How to Contact Desjardins
| Reason for contact | Contact Desjardins |
|---|---|
| For a dental insurance quote 🧾 | Call 1-866-838-7661, Monday to Friday, from 9 a.m. to 5 p.m., or schedule a callback on their website. |
| For proof of dental insurance 🧾 | Access your proof of coverage via the Omni app or the online member portal. For assistance, call 1-866-647-5013 from Monday to Friday, 8 a.m. to 5 p.m. |
| For dental assistance 🩺 | For questions about your coverage, call 1-866-647-5013, Monday to Friday, 8 a.m. to 5 p.m. Your policy may also include a nurse advice line. |
| To report a dental claim or track a reimbursement 🔍 | Submit and track claims online through the member portal or the Omni app. For support, call 1-888-558-5525, Monday to Friday, 8 a.m. to 7 p.m. |
FAQ
Who can apply for Desjardins dental insurance?
Any resident of Canada who meets the insurer's eligibility criteria can apply for a Desjardins dental insurance plan. You can obtain a quote and submit your application through the official Desjardins website. Before finalizing your decision, it is recommended to compare different dental insurance offers online to ensure you find the most suitable coverage for your personal needs and financial situation.
Are there any age requirements with Desjardins?
Yes, Desjardins has specific age requirements for its health and dental insurance plans. To apply for a new policy, you must be between the ages of 18 and 64. Dependent children can be covered under a family plan up to the age of 26. The policy coverage for the primary insured person continues until they reach the age of 70, at which point the plan terminates.
Can members be added or removed from Desjardins dental insurance?
Yes, you can modify the members covered under your Desjardins dental insurance policy, such as adding a spouse or dependent children. These changes are typically made following a significant life event, including marriage, the birth of a child, or adoption. To update your coverage, you will need to contact Desjardins directly to make the necessary adjustments to your plan.
Is there a waiting period for dental coverage with Desjardins?
Yes, Desjardins applies waiting periods for certain dental services. You can receive benefits for preventive and basic care, such as cleanings, exams, and fillings, without any waiting period. However, for more comprehensive treatments included in the Enhanced plan, such as crowns, dentures, root canals, and orthodontics, a 24-month waiting period is required before you are eligible for reimbursement.
How does the Enhanced plan differ from the Basic plan?
The primary difference between the two plans is the scope of coverage. The Basic plan covers essential preventive and basic dental care with an 80% reimbursement rate. The Enhanced plan offers more extensive protection by covering these same services at a higher 100% reimbursement rate. It also adds coverage for major services like crowns, dentures, and orthodontics after the required 24-month waiting period has passed.
Can I combine my Desjardins dental plan with another insurance plan?
Yes, if you or your family members are covered by another dental plan, you can coordinate benefits with your Desjardins policy. This allows you to submit a claim to your primary insurance provider first, and then claim any remaining unpaid amount from your second plan. Coordinating benefits is an effective way to maximize your total reimbursement and reduce your out-of-pocket dental expenses.
Who can apply for Desjardins dental insurance?
Any resident of Canada who meets the insurer's eligibility criteria can apply for a Desjardins dental insurance plan. You can obtain a quote and submit your application through the official Desjardins website. Before finalizing your decision, it is recommended to compare different dental insurance offers online to ensure you find the most suitable coverage for your personal needs and financial situation.
Are there any age requirements with Desjardins?
Yes, Desjardins has specific age requirements for its health and dental insurance plans. To apply for a new policy, you must be between the ages of 18 and 64. Dependent children can be covered under a family plan up to the age of 26. The policy coverage for the primary insured person continues until they reach the age of 70, at which point the plan terminates.
Can members be added or removed from Desjardins dental insurance?
Yes, you can modify the members covered under your Desjardins dental insurance policy, such as adding a spouse or dependent children. These changes are typically made following a significant life event, including marriage, the birth of a child, or adoption. To update your coverage, you will need to contact Desjardins directly to make the necessary adjustments to your plan.
Is there a waiting period for dental coverage with Desjardins?
Yes, Desjardins applies waiting periods for certain dental services. You can receive benefits for preventive and basic care, such as cleanings, exams, and fillings, without any waiting period. However, for more comprehensive treatments included in the Enhanced plan, such as crowns, dentures, root canals, and orthodontics, a 24-month waiting period is required before you are eligible for reimbursement.
How does the Enhanced plan differ from the Basic plan?
The primary difference between the two plans is the scope of coverage. The Basic plan covers essential preventive and basic dental care with an 80% reimbursement rate. The Enhanced plan offers more extensive protection by covering these same services at a higher 100% reimbursement rate. It also adds coverage for major services like crowns, dentures, and orthodontics after the required 24-month waiting period has passed.
Can I combine my Desjardins dental plan with another insurance plan?
Yes, if you or your family members are covered by another dental plan, you can coordinate benefits with your Desjardins policy. This allows you to submit a claim to your primary insurance provider first, and then claim any remaining unpaid amount from your second plan. Coordinating benefits is an effective way to maximize your total reimbursement and reduce your out-of-pocket dental expenses.
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