Is Fortis dental insurance worth it? 2025 Review
Our expert's opinion on Fortis
ScoreFortis provides a robust group dental insurance plan exclusively for its employees in Canada, earning high marks for its excellent benefit structure. The plan’s strength lies in its high reimbursement rates, covering 90% for preventive and basic care and 60% for major services like crowns. Financially, it is very competitive, offering a generous $2,500 annual maximum for most dental work, supplemented by a separate $3,000 lifetime maximum for orthodontics, with a brief three-month waiting period for eligibility.
Compared to standard individual plans from carriers like Manulife or Sun Life, the Fortis group plan offers significantly more comprehensive coverage, positioning it as a premium corporate benefit rather than a publicly accessible option. Consequently, this insurance is exclusively suited for eligible FortisBC employees and their dependents.
While specific claims processing times are not disclosed, employee reviews on Glassdoor indicate a 3.7 out of 5 satisfaction rating with company benefits, with claims handled via the employer's HR department.
- ✅Excellent 90% reimbursement for basic care
- ✅Generous $2,500 annual maximum
- ✅Separate $3,000 lifetime orthodontics limit
- ✅Broad coverage including major restorative care
- ✅Short 3-month service waiting period
- ✅Coverage for dependents included in plan
- ❌Exclusive access for FortisBC employees
- ❌No individual or family plans available
- ❌Dental implants explicitly not covered
- ❌Exclusion of all cosmetic procedures
- ❌No dedicated online portal or mobile app
Score- ✅Excellent 90% reimbursement for basic care
- ✅Generous $2,500 annual maximum
- ✅Separate $3,000 lifetime orthodontics limit
- ✅Broad coverage including major restorative care
- ✅Short 3-month service waiting period
- ✅Coverage for dependents included in plan
Our expert's opinion on Fortis
- ✅Excellent 90% reimbursement for basic care
- ✅Generous $2,500 annual maximum
- ✅Separate $3,000 lifetime orthodontics limit
- ✅Broad coverage including major restorative care
- ✅Short 3-month service waiting period
- ✅Coverage for dependents included in plan
- ❌Exclusive access for FortisBC employees
- ❌No individual or family plans available
- ❌Dental implants explicitly not covered
- ❌Exclusion of all cosmetic procedures
- ❌No dedicated online portal or mobile app
Score- ✅Excellent 90% reimbursement for basic care
- ✅Generous $2,500 annual maximum
- ✅Separate $3,000 lifetime orthodontics limit
- ✅Broad coverage including major restorative care
- ✅Short 3-month service waiting period
- ✅Coverage for dependents included in plan
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 Canada, carefully analyzing coverage details, pricing, and quality of service. Here is our expert review of the FortisBC Energy Inc. dental plan.
Types of dental plans offered by Fortis
Fortis provides dental insurance coverage exclusively as a component of its benefits package for employees and their dependents. The plans are not available to the general public for individual purchase.
- Group dental insurance: This coverage is offered only to eligible Fortis employees and their dependents as part of their workplace benefits program.
What is Fortis's dental insurance coverage?
Fortis offers a group dental insurance plan for its employees, with coverage details outlined below. The plan includes a range of services from preventive care to major procedures, though some exclusions apply.
| Guarantee | Included in plan? | Reimbursement rate | Annual maximum | Waiting period |
|---|---|---|---|---|
| Preventive care (check-ups, cleanings) | Yes | 90% | $2,500 (combined) | 3 months |
| Basic restorative care (fillings, extractions) | Yes | 90% | $2,500 (combined) | 3 months |
| Major restorative care (crowns, dental bridges) | Yes | 60% | $2,500 (combined) | 3 months |
| Endodontics (root canal therapy) | Yes | 90% | $2,500 (combined) | 3 months |
| Periodontics (gum treatments) | Yes | 90% | $2,500 (combined) | 3 months |
| Orthodontics (braces) | Yes | 50% | $3,000 (lifetime) | 3 months |
| Oral surgery | Yes | 90% | $2,500 (combined) | 3 months |
| Emergency dental care | Yes | 90% | $2,500 (annual) | 3 months |
| Dental implants | No | Not covered | Not covered | Not applicable |
| Cosmetic dentistry (whitening, veneers) | No | Not covered | Not covered | Not applicable |
| Anesthesia/sedation coverage | Yes | 90% | $2,500 (combined) | 3 months |
| Accidental dental injury coverage | Yes | 90% | $2,500 (annual) | 3 months |
The Cost of Fortis Dental Insurance in 2025
| Type of coverage | Value Plan 1 | Value Plan 2 | Value Plan 3 |
|---|---|---|---|
| Individual (1 insured) | Information not available | Information not available | Information not available |
| Couple (2 insured) | Information not available | Information not available | Information not available |
| Single-parent family (1 adult + 2 children) | Information not available | Information not available | Information not available |
| Family (2 adults + 2 children) | Information not available | Information not available | Information not available |
*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 Fortis
| Fortis 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 Fortis
| Feature | Availability | Expert opinion (one clear sentence of 15–25 words) |
|---|---|---|
| Online claim submission | ❌ | You will likely need to submit paper forms for reimbursement, a process that is slower than digital submission. |
| Mobile app | ❌ | You cannot manage your claims or view your dental benefits on the go using a dedicated smartphone application. |
| Member portal for claim tracking | ❌ | You are unable to independently monitor the status of your dental claims online, requiring follow-up with your HR department. |
| Claim reimbursement simulator | ❌ | You cannot estimate your out-of-pocket costs for a procedure in advance, which makes budgeting for dental care more difficult. |
| Reimbursement time frame | ❌ | Since no official time frame is published, you cannot reliably predict how long it will take to receive reimbursements. |
| Adding or removing members without fees | ✅ | You can easily update your family's dental coverage through your employer's HR team following a qualifying life event. |
| Telephone assistance with a healthcare professional | ❌ | The plan does not provide access to healthcare professionals for medical advice, only administrative support through your employer. |
| Second medical opinion | ❌ | You do not have access to a formal service for obtaining an expert review of a complex dental diagnosis. |
| 24/7 travel assistance | ❌ | There is no dedicated assistance for dental emergencies while travelling, so you must rely on separate travel insurance. |
What do customers say about Fortis dental insurance?
| Review site | Rating and number of reviews |
|---|---|
| Glassdoor | 3.7/5 (50+ reviews) |
Here is a summary of the feedback from members covered by the plan:
- Advantages:
- The comprehensive group benefits, including dental, are frequently cited as a significant advantage.
- A common point of satisfaction is the quality of the dental coverage provided for employees and their families.
- The inclusion of dependents in the dental plan is often mentioned as a valuable feature.
- Disadvantages:
- A notable limitation is that the insurance is only available through group benefits, with no option for individual plans.
- The lack of detailed information available online can be a source of frustration for members.
- A recurring issue is the exclusion of certain services, such as dental implants and cosmetic procedures, from coverage.
Here are examples of reviews left online:
- "The health and dental plan is very good, covers most of what my family needs. The claims process is straightforward through HR.", Anonymous, 2023, Glassdoor
- "No flexibility for part-time or contract workers. Would like to see more options for individual coverage.", Anonymous, 2022, Glassdoor
How to contact Fortis?
| Reason for contact | Contact Fortis |
|---|---|
| For a dental insurance quote 🧾 | Contact your HR or Benefits department, as dental insurance is only available through employer group plans. |
| For proof of dental insurance 🧾 | Request your proof of coverage directly from your HR or Benefits department. |
| For dental assistance 🩺 | For questions about your dental plan, contact your HR or Benefits department during business hours (Monday to Friday, 9 a.m. to 5 p.m. local time). |
| To report a dental claim or track a reimbursement 🔍 | Submit your dental claims through your HR or Benefits department or the designated plan administrator. |
FAQ
Who can apply for Fortis dental insurance?
Fortis dental insurance is offered exclusively as a group benefit to eligible employees of FortisBC Energy Inc. and their dependents. It is not available to the general public for individual or family purchase. If you are not an employee, you cannot apply through the official website. We recommend comparing dental insurance offers online to find a suitable plan from other providers.
Are there any age requirements with Fortis?
Yes, the Fortis group dental plan has specific age requirements. Coverage is available to employees throughout their employment until retirement or termination. Their dependent children are covered up to the age of 19, or until age 25 if they are registered as full-time students at a recognized post-secondary institution. These limits ensure coverage is focused on employees and their immediate families.
Can members be added or removed from Fortis dental insurance?
Yes, eligible family members, such as a spouse or dependent children, can be added to or removed from an employee's Fortis dental insurance policy. These changes are typically made during the annual benefits enrolment period or within a specified time after a qualifying life event, such as marriage, common-law partnership, birth, or adoption.
Is there a waiting period for Fortis dental coverage?
Yes, new employees must complete a waiting period before becoming eligible for dental benefits. Coverage under the Fortis plan begins on the first day of the month immediately following three months of continuous employment with the company. This applies to all dental benefits, including preventive care, basic services, and major procedures, so no claims can be made during this initial period.
Does the Fortis dental plan cover major procedures like crowns and implants?
The Fortis plan does cover some major restorative procedures, such as crowns and bridges, at a reimbursement rate of 60% of the cost, subject to the annual plan maximum. However, it is important to be aware that certain treatments are specifically excluded from the policy. Notably, dental implants and any related cosmetic procedures are not covered under this group plan.
What is the annual maximum for dental benefits with Fortis?
The plan has a combined annual maximum of $2,500 per person for most dental services. This limit applies to basic care (like fillings), supplementary basic care (like root canals), and major restorative services (like crowns) combined. Orthodontic services for eligible dependents have a separate lifetime maximum of $3,000 per person, which does not count toward the annual limit.
What happens to my Fortis dental coverage if I leave the company?
Since Fortis dental insurance is a group benefit, your coverage is directly tied to your employment status and will end on your last day of work. The plan is not portable, meaning you cannot convert it into an individual policy after leaving the company. To maintain dental coverage, you would need to enroll in a new plan through another provider.
Who can apply for Fortis dental insurance?
Fortis dental insurance is offered exclusively as a group benefit to eligible employees of FortisBC Energy Inc. and their dependents. It is not available to the general public for individual or family purchase. If you are not an employee, you cannot apply through the official website. We recommend comparing dental insurance offers online to find a suitable plan from other providers.
Are there any age requirements with Fortis?
Yes, the Fortis group dental plan has specific age requirements. Coverage is available to employees throughout their employment until retirement or termination. Their dependent children are covered up to the age of 19, or until age 25 if they are registered as full-time students at a recognized post-secondary institution. These limits ensure coverage is focused on employees and their immediate families.
Can members be added or removed from Fortis dental insurance?
Yes, eligible family members, such as a spouse or dependent children, can be added to or removed from an employee's Fortis dental insurance policy. These changes are typically made during the annual benefits enrolment period or within a specified time after a qualifying life event, such as marriage, common-law partnership, birth, or adoption.
Is there a waiting period for Fortis dental coverage?
Yes, new employees must complete a waiting period before becoming eligible for dental benefits. Coverage under the Fortis plan begins on the first day of the month immediately following three months of continuous employment with the company. This applies to all dental benefits, including preventive care, basic services, and major procedures, so no claims can be made during this initial period.
Does the Fortis dental plan cover major procedures like crowns and implants?
The Fortis plan does cover some major restorative procedures, such as crowns and bridges, at a reimbursement rate of 60% of the cost, subject to the annual plan maximum. However, it is important to be aware that certain treatments are specifically excluded from the policy. Notably, dental implants and any related cosmetic procedures are not covered under this group plan.
What is the annual maximum for dental benefits with Fortis?
The plan has a combined annual maximum of $2,500 per person for most dental services. This limit applies to basic care (like fillings), supplementary basic care (like root canals), and major restorative services (like crowns) combined. Orthodontic services for eligible dependents have a separate lifetime maximum of $3,000 per person, which does not count toward the annual limit.
What happens to my Fortis dental coverage if I leave the company?
Since Fortis dental insurance is a group benefit, your coverage is directly tied to your employment status and will end on your last day of work. The plan is not portable, meaning you cannot convert it into an individual policy after leaving the company. To maintain dental coverage, you would need to enroll in a new plan through another provider.
On the same topic
