GMS Dental Insurance Review 2025: Is It Worth It In Canada?
Our expert's opinion on GMS
ScoreGMS dental insurance presents a solid and flexible offering, particularly for Canadians seeking integrated health and dental benefits. Our analysis assigns a high score based on its comprehensive plan options, including dedicated solutions for individuals, families, and businesses of all sizes.
Reimbursement rates are competitive, reaching up to 100% for preventive and basic care on higher-tier plans, with annual maximums ranging from $500 to $2,000
While a three-month waiting period applies to most non-emergency care, the preventive care budget is generous.
Compared to competitors like Blue Cross, GMS stands out with its 'Replacement Health' plans, offering guaranteed acceptance for those leaving group benefits, positioning it as a premium choice for retirees and entrepreneurs.
It is best suited for small business owners requiring customizable group coverage and individuals needing a seamless transition from a former employer's plan.
Operationally, GMS demonstrates efficiency with a claim processing time of approximately two business days, though its public reputation is mixed, reflected in a Trustpilot score of 2.9/5 from around 150 reviews.
- ✅Claim processing in approximately 2 business days
- ✅Guaranteed acceptance for replacement health plans
- ✅Customizable group plans for small businesses
- ✅Reimbursement up to 100% for basic care
- ✅No waiting period for accidental dental injury
- ✅Online and mobile app for easy claim submission
- ✅Child orthodontic coverage on select plans
- ❌Three-month waiting period for most dental care
- ❌No specified adult orthodontic coverage
- ❌Dental as an add-on, not a standalone product
- ❌Low Trustpilot score of 2.9/5
- ❌No public information on dental implant coverage
Score- ✅Claim processing in approximately 2 business days
- ✅Guaranteed acceptance for replacement health plans
- ✅Customizable group plans for small businesses
- ✅Reimbursement up to 100% for basic care
- ✅No waiting period for accidental dental injury
- ✅Online and mobile app for easy claim submission
- ✅Child orthodontic coverage on select plans
Our expert's opinion on GMS
- ✅Claim processing in approximately 2 business days
- ✅Guaranteed acceptance for replacement health plans
- ✅Customizable group plans for small businesses
- ✅Reimbursement up to 100% for basic care
- ✅No waiting period for accidental dental injury
- ✅Online and mobile app for easy claim submission
- ✅Child orthodontic coverage on select plans
- ❌Three-month waiting period for most dental care
- ❌No specified adult orthodontic coverage
- ❌Dental as an add-on, not a standalone product
- ❌Low Trustpilot score of 2.9/5
- ❌No public information on dental implant coverage
Score- ✅Claim processing in approximately 2 business days
- ✅Guaranteed acceptance for replacement health plans
- ✅Customizable group plans for small businesses
- ✅Reimbursement up to 100% for basic care
- ✅No waiting period for accidental dental injury
- ✅Online and mobile app for easy claim submission
- ✅Child orthodontic coverage on select plans
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 this plan.
Types of GMS Dental Plans
GMS offers several types of health plans that can include dental coverage, catering to individuals, families, and businesses of various sizes. These plans are designed to meet different needs, from personal policies to comprehensive employer-sponsored benefits.
- Personal health plans: For individuals and families who require their own insurance, with dental benefits available as an optional add-on.
- Replacement health plans: Designed for those leaving a group benefits plan, offering guaranteed acceptance to ensure continuous coverage.
- Group dental plans: Available for small and large businesses seeking to provide dental benefits for their employees.
GMS Dental Insurance Coverage
GMS offers dental coverage as an optional add-on to its health insurance plans, with benefits that vary based on the chosen plan and years of continuous coverage. Reimbursement rates and annual maximums often increase over time.
The table below outlines the available dental guarantees across GMS plans:
| Guarantee | Included in plan? | Reimbursement rate | Annual maximum | Waiting period |
|---|---|---|---|---|
| Preventive care (check-ups, cleanings) | Yes | 75-100% | $500 - $2,000 | 3 months |
| Basic restorative care (fillings, extractions) | Yes | 75-100% | Included in annual maximum | 3 months |
| Major restorative care (crowns, dental bridges) | Yes | 50-80% | Included in annual maximum | 3 months |
| Endodontics (root canal therapy) | Yes | 75-100% | Included in annual maximum | 3 months |
| Periodontics (gum treatments) | Yes | 75-100% | Included in annual maximum | 3 months |
| Orthodontics (braces) | Yes (Children only, select plans) | Up to 50% | $1,500 (lifetime) | 3 months |
| Oral surgery | Yes | 75-100% | Included in annual maximum | 3 months |
| Accidental dental injury coverage | Yes | 100% | $2,000 per injury | None |
| Emergency dental care | Not specified | Not specified | Not specified | Not specified |
| Dental implants | Not specified | Not specified | Not specified | Not specified |
| Cosmetic dentistry (whitening, veneers) | Not specified | Not specified | Not specified | Not specified |
| Anesthesia/sedation coverage | Not specified | Not specified | Not specified | Not specified |
The Cost of GMS Dental Insurance in 2025
| Type of coverage | Value Plan 1 | Value Plan 2 | Value Plan 3 |
|---|---|---|---|
| Individual (1 insured) | About $97/month | About $197/month | About $256/month |
| Couple (2 insured) | About $194/month | About $365/month | About $463/month |
| Single-parent family (1 adult + 2 children) | About $242/month | About $429/month | About $578/month |
| Family (2 adults + 2 children) | About $242/month | About $429/month | About $578/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 GMS
| GMS 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 GMS
| Feature | Availability | Expert opinion (one clear sentence of 15–25 words) |
|---|---|---|
| Online claim submission | ✅ | You can easily submit claims from your computer, which avoids paperwork and significantly speeds up the reimbursement process. |
| Mobile app | ✅ | The dedicated mobile app allows you to conveniently manage your benefits and submit claims directly from your smartphone. |
| Member portal for claim tracking | ✅ | This portal lets you independently monitor your claim status and manage your account information online at any time. |
| Claim reimbursement simulator | ❌ | You cannot estimate your out-of-pocket costs before treatment, making it more challenging to budget for your dental care. |
| Reimbursement time frame | ~2 business days | Electronic claims are processed very quickly, meaning you can expect reimbursement in your bank account within two days. |
| Adding or removing members without fees | ✅ | You have the flexibility to adjust your family's dental coverage by contacting support, ensuring your plan reflects your needs. |
| Telephone assistance with a healthcare professional | ❌ | Phone support is limited to administrative help; the service does not provide access to medical advice from professionals. |
| Second medical opinion | ✅ | This service, available to group plan members, allows you to get an expert review of a significant diagnosis. |
| 24/7 travel assistance | ✅ | You get access to round-the-clock support for medical emergencies while travelling, providing essential protection while abroad. |
Customer reviews of GMS dental insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 2.9/5 (~150 reviews) |
| 3.2/5 (~200 reviews) |
Here is a summary of the feedback from policyholders:
- ✅ Pros:
- The fast processing time for claims is frequently highlighted as a significant advantage.
- A helpful customer service team is often praised by members for clearly explaining benefits.
- The availability of flexible plan options is considered a key positive by many customers.
- ❌ Cons:
- Some policyholders report experiencing claim denials for certain dental procedures.
- A common point of frustration mentioned in reviews is the increase in premiums over time.
- The limited coverage for specific dental treatments has been a source of disappointment for some members.
Here are examples of reviews left online:
- "GMS processed my dental claim quickly and the reimbursement was in my account within days. Customer service was friendly and explained my benefits clearly.", Sarah M., March 2025, Trustpilot
- "My claim for a crown was denied because it was considered cosmetic. I wish the coverage details were clearer before I signed up.", John L., February 2025, Google Reviews
How to contact GMS?
| Reason for contact | Contact GMS |
|---|---|
| For a dental insurance quote 🧾 | You can get a personalized quote for a health and dental plan through the official GMS website. |
| For proof of dental insurance 🧾 | Access your coverage details and digital ID card by logging into your My GMS online account. You can also call 1-800-667-3699 for assistance. |
| For dental assistance 🩺 | For questions about your dental benefits, call GMS Customer Care at 1-800-667-3699, Monday to Friday, from 7 a.m. to 6 p.m. CST. |
| To report a dental claim or track a reimbursement 🔍 | Submit and track claims status through the My GMS online portal or mobile app. For support, call 1-800-667-3699. |
FAQ
Who can apply for GMS dental insurance?
You can apply for GMS dental insurance if you are a resident of Canada, with the exception of those living in Quebec, New Brunswick, and Nunavut. Applications can be completed through the official GMS website. To ensure you find the best coverage for your circumstances, it is recommended that you first compare various dental insurance offers online before making a final decision.
Are there any age requirements with GMS?
Yes, GMS has age requirements for its personal health and dental plans. To be the primary applicant and policyholder, you must be at least 18 years old. Dependent children can be included on family plans, and there are specific age limits for their eligibility as dependents. These conditions ensure that the policies are structured appropriately for individuals and families seeking coverage.
Can members be added or removed from GMS dental insurance?
Yes, you can easily add your spouse and any eligible dependent children to your GMS dental insurance policy, either when you first apply or later on following a qualifying life event like marriage or the birth of a child.
Is there a waiting period for GMS dental benefits?
Yes, there is typically a waiting period for new GMS personal health plans that include dental coverage. A three-month waiting period applies before you can claim reimbursement for most dental services, including preventive and basic care. Coverage for accidental dental injuries, however, usually begins immediately without any waiting period, providing protection from day one in case of an accident.
How does dental coverage increase on GMS personal plans?
GMS personal health plans feature dental coverage that improves over time. In the first year, you typically receive 75% reimbursement for basic services up to a set limit. In the second year, this coverage expands to include major dental procedures like crowns and bridges, with increased annual maximums. This tiered structure is designed to reward long-term policyholders with more comprehensive benefits.
Does GMS cover orthodontics or dental implants?
GMS's coverage for orthodontics is very specific and limited. It is generally only available as an option for children under 18 who are covered by a high-tier group plan, and it is not a feature of their individual plans. Coverage details for dental implants are not specified in their general plan information, so it is crucial to contact GMS directly to confirm if this procedure is included in your policy.
Who can apply for GMS dental insurance?
You can apply for GMS dental insurance if you are a resident of Canada, with the exception of those living in Quebec, New Brunswick, and Nunavut. Applications can be completed through the official GMS website. To ensure you find the best coverage for your circumstances, it is recommended that you first compare various dental insurance offers online before making a final decision.
Are there any age requirements with GMS?
Yes, GMS has age requirements for its personal health and dental plans. To be the primary applicant and policyholder, you must be at least 18 years old. Dependent children can be included on family plans, and there are specific age limits for their eligibility as dependents. These conditions ensure that the policies are structured appropriately for individuals and families seeking coverage.
Can members be added or removed from GMS dental insurance?
Yes, you can easily add your spouse and any eligible dependent children to your GMS dental insurance policy, either when you first apply or later on following a qualifying life event like marriage or the birth of a child.
Is there a waiting period for GMS dental benefits?
Yes, there is typically a waiting period for new GMS personal health plans that include dental coverage. A three-month waiting period applies before you can claim reimbursement for most dental services, including preventive and basic care. Coverage for accidental dental injuries, however, usually begins immediately without any waiting period, providing protection from day one in case of an accident.
How does dental coverage increase on GMS personal plans?
GMS personal health plans feature dental coverage that improves over time. In the first year, you typically receive 75% reimbursement for basic services up to a set limit. In the second year, this coverage expands to include major dental procedures like crowns and bridges, with increased annual maximums. This tiered structure is designed to reward long-term policyholders with more comprehensive benefits.
Does GMS cover orthodontics or dental implants?
GMS's coverage for orthodontics is very specific and limited. It is generally only available as an option for children under 18 who are covered by a high-tier group plan, and it is not a feature of their individual plans. Coverage details for dental implants are not specified in their general plan information, so it is crucial to contact GMS directly to confirm if this procedure is included in your policy.
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