Is Industrial Alliance dental insurance worth it? 2025 Review
Our expert's opinion on Industrial Alliance
ScoreIndustrial Alliance (iA) offers a highly specialized dental insurance solution in Canada, meriting a focused evaluation. Its core strength is not in the open market but in group and conversion plans, meaning key details like reimbursement rates, annual maximums, and deductibles are customized and not publicly disclosed. This lack of transparency makes it challenging for individuals to assess, leading to a moderate overall score. Comprehensive coverage for preventive, basic, and major care is available, though specifics depend on the group contract.
Compared to insurers like Manulife or Sun Life who provide a wider range of direct-to-consumer options, iA excels with its 'Transit' conversion plan, which is a significant advantage for those leaving a group policy.
This makes Industrial Alliance best suited for employees of affiliated companies, members of professional associations, or individuals transitioning from a group plan who require uninterrupted coverage.
While claim submissions are modernized through a mobile app and online portal, customer experience is a notable concern, with public review platforms like Insureye showing very low ratings based on over 50 reviews, citing inconsistent claims handling.
- ✅Seamless post-employment conversion plan
- ✅No medical exam required for conversion
- ✅Specialized plans for associations
- ✅Modern online and mobile app claims
- ✅Orthodontic coverage in group plans
- ✅Dedicated options for students and expatriates
- ✅Direct phone assistance for members
- ❌No standalone plans for individuals
- ❌No public data on reimbursement rates
- ❌Key coverage details not disclosed
- ❌Consistently low customer review scores
- ❌Absence of a dental cost estimator
Score- ✅Seamless post-employment conversion plan
- ✅No medical exam required for conversion
- ✅Specialized plans for associations
- ✅Modern online and mobile app claims
- ✅Orthodontic coverage in group plans
- ✅Dedicated options for students and expatriates
- ✅Direct phone assistance for members
Our expert's opinion on Industrial Alliance
- ✅Seamless post-employment conversion plan
- ✅No medical exam required for conversion
- ✅Specialized plans for associations
- ✅Modern online and mobile app claims
- ✅Orthodontic coverage in group plans
- ✅Dedicated options for students and expatriates
- ✅Direct phone assistance for members
- ❌No standalone plans for individuals
- ❌No public data on reimbursement rates
- ❌Key coverage details not disclosed
- ❌Consistently low customer review scores
- ❌Absence of a dental cost estimator
Score- ✅Seamless post-employment conversion plan
- ✅No medical exam required for conversion
- ✅Specialized plans for associations
- ✅Modern online and mobile app claims
- ✅Orthodontic coverage in group plans
- ✅Dedicated options for students and expatriates
- ✅Direct phone assistance for members
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.
Dental plans offered by Industrial Alliance
Industrial Alliance (iA Financial Group) primarily provides dental insurance through group benefits programs, with options for individuals transitioning from group coverage. The main categories are designed for organizations, associations, and their members.
- Group dental insurance: Offered to businesses of all sizes to provide dental benefits for their employees.
- Special markets group plans: Tailored for members of professional associations, educational institutions, and other affinity groups.
- Individual conversion plan (Transit): Allows individuals leaving an employer's group plan to continue their dental coverage.
- Student and expatriate plans: Includes dental coverage as part of broader health insurance packages for specific groups like international students.
Industrial Alliance's Dental Insurance Coverage
Industrial Alliance (iA Financial Group) primarily offers dental insurance as part of group benefits packages and through conversion plans for individuals leaving a group policy. Specific details regarding reimbursement rates, annual maximums, and waiting periods are not publicly available and depend on the terms negotiated for each group plan.
The following table provides a general overview of dental guarantees, noting where information is not specified.
| Guarantee | Included in plan? | Reimbursement rate (%) | Annual maximum ($) | Waiting period (months) |
|---|---|---|---|---|
| Preventive care (check-ups, cleanings) | Yes | Not specified | Not specified | Not specified |
| Basic restorative care (fillings, extractions) | Yes | Not specified | Not specified | Not specified |
| Major restorative care (crowns, dental bridges) | Yes | Not specified | Not specified | Not specified |
| Endodontics (root canal therapy) | Not specified | Not specified | Not specified | Not specified |
| Periodontics (gum treatments) | Not specified | Not specified | Not specified | Not specified |
| Orthodontics (braces) | Yes (Group plans) | Not specified | Not specified | Not specified |
| Oral surgery | Not specified | Not specified | Not specified | Not specified |
| 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) | No | Not covered | Not covered | Not applicable |
| Anesthesia/sedation coverage | Not specified | Not specified | Not specified | Not specified |
| Accidental dental injury coverage | Not specified | Not specified | Not specified | Not specified |
The Cost of Industrial Alliance Dental Insurance in 2025
| Type of coverage | Value plan 1 | Value plan 2 |
|---|---|---|
| Individual (1 insured) | About $68/month | Not specified |
| Couple (2 insured) | Not specified | Not specified |
| Single-parent family (1 adult + 2 children) | Not specified | Not specified |
| Family (2 adults + 2 children) | About $163/month | Not specified |
*These are indicative prices and may vary depending on individual circumstances and the selected plan.
Price conditions
The prices shown are for the Transit individual conversion plan, available to individuals under 65 leaving a group plan. Prices for other plans or age groups may differ.
Discount codes for Industrial Alliance
| Industrial alliance 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 Industrial Alliance
| Feature | Availability | Expert opinion (one clear sentence of 15–25 words) |
|---|---|---|
| Online claim submission | ✅ | You can submit your dental claims digitally, which avoids paperwork and can lead to faster processing times. |
| Mobile app | ✅ | The app gives you the convenience of managing your policy and submitting claims directly from your smartphone. |
| Member portal for claim tracking | ✅ | This secure online space allows you to independently track claim status and review your coverage details anytime. |
| Claim reimbursement simulator | ❌ | You cannot estimate your out-of-pocket costs in advance, which makes it more difficult to budget for dental procedures. |
| Reimbursement time frame | ❌ | The insurer does not publish standard processing times, leaving you uncertain about when you will receive your reimbursement. |
| Adding or removing members without fees | ✅ | You have the flexibility to update your policy to reflect family changes, ensuring your coverage remains current. |
| Telephone assistance with a healthcare professional | ❌ | Phone support is for administrative questions only; you cannot get medical or dental advice from a professional. |
| Second medical opinion | ❌ | The plan does not include a service for obtaining a second expert opinion on a complex dental diagnosis. |
| 24/7 travel assistance | ❌ | Stand-alone dental coverage does not include travel assistance, so you will need separate insurance for dental emergencies abroad. |
What do customers say about Industrial Alliance dental insurance?
Here is a summary of the feedback from policyholders:
✅ A quick and smooth claims process is a positive point for some users.
✅ The customer service is occasionally mentioned as being helpful by policyholders.
❌ A common point of frustration is the delay experienced in claims processing.
❌ The poor communication and lack of follow-up are frequently reported negative aspects.
❌ Some members have expressed difficulty when dealing with claim denials.
Here are examples of reviews left online:
- "My claim was actually pretty fast and done smoothly, I did not have any issues or problems.", Anonymous, 2024, PolicyMe
- "INDUSTRIAL ALLIANCE is one of the worst companies I have had to deal with. They are all quick to take your premiums.", Anonymous, 2023, Insureye
How to contact Industrial Alliance?
| Reason for contact | Contact Industrial Alliance |
|---|---|
| For a dental insurance quote 🧾 | For information on group or conversion plans, call 1-800-266-5667, Monday to Friday, from 6:30 a.m. to 4:30 p.m. PT. |
| For proof of dental insurance 🧾 | You can access your proof of coverage through the online member portal or the mobile app. For help, call 1-800-266-5667. |
| For dental assistance 🩺 | For questions regarding your dental plan, call customer service at 1-800-266-5667, Monday to Friday, between 6:30 a.m. and 4:30 p.m. PT. |
| To report a dental claim or track a reimbursement 🔍 | Submit your claims online via the member portal or the mobile app. For tracking or assistance, call customer service at 1-800-266-5667. |
FAQ
Who can apply for Industrial Alliance dental insurance?
Industrial Alliance's individual dental insurance is primarily offered through its Transit conversion plan, designed for those leaving a group benefits program. Applications can be made via the official Industrial Alliance website. However, since coverage options are specific, we recommend you compare different dental insurance offers online first. This ensures you find a policy that best matches your unique needs and budget.
Are there any age requirements with Industrial Alliance?
Yes, Industrial Alliance has age requirements for its conversion plans. Applicants generally must be under 61 years of age to be eligible for a new policy. For family coverage, dependent children are typically covered until they turn 25, provided they are enrolled as full-time students at a recognized educational institution. These limits ensure the plans cater to their target demographic of working-age individuals and their families.
Can members be added or removed from Industrial Alliance dental insurance?
Yes, you can add or remove eligible dependents, such as a spouse or children, from your policy by completing the required forms or updating your information through the online member portal. It is important to note that you must typically add newborn children to your plan within 90 days of their birth to ensure they are covered without any interruption or additional underwriting requirements.
Can I buy dental insurance from Industrial Alliance as a standalone plan?
Industrial Alliance does not typically offer standalone dental insurance plans directly to the general public. Instead, dental coverage is available as a component of their group benefits packages or as part of the "Transit" health insurance plan for individuals converting from group coverage. Therefore, you cannot simply purchase a dental-only policy; it must be bundled with a broader health plan.
What happens to my dental coverage if I leave my job?
If you lose your group benefits after leaving your employer, you have the option to maintain coverage through Industrial Alliance's "Transit" conversion plan. You must apply for this plan within 60 days of your group benefits ending. The main advantage is that you are guaranteed acceptance without needing to complete a medical exam, allowing for a seamless continuation of your dental and health insurance.
Are there waiting periods for dental benefits with Industrial Alliance?
Yes, it is common for dental insurance plans to include waiting periods, and Industrial Alliance plans are no exception. While specific waiting times are not publicly listed and depend on your group or conversion plan, you can expect immediate coverage for basic preventive services. However, more extensive and costly procedures, such as crowns, bridges, or orthodontics, will likely require a waiting period before they become eligible for reimbursement.
Who can apply for Industrial Alliance dental insurance?
Industrial Alliance's individual dental insurance is primarily offered through its Transit conversion plan, designed for those leaving a group benefits program. Applications can be made via the official Industrial Alliance website. However, since coverage options are specific, we recommend you compare different dental insurance offers online first. This ensures you find a policy that best matches your unique needs and budget.
Are there any age requirements with Industrial Alliance?
Yes, Industrial Alliance has age requirements for its conversion plans. Applicants generally must be under 61 years of age to be eligible for a new policy. For family coverage, dependent children are typically covered until they turn 25, provided they are enrolled as full-time students at a recognized educational institution. These limits ensure the plans cater to their target demographic of working-age individuals and their families.
Can members be added or removed from Industrial Alliance dental insurance?
Yes, you can add or remove eligible dependents, such as a spouse or children, from your policy by completing the required forms or updating your information through the online member portal. It is important to note that you must typically add newborn children to your plan within 90 days of their birth to ensure they are covered without any interruption or additional underwriting requirements.
Can I buy dental insurance from Industrial Alliance as a standalone plan?
Industrial Alliance does not typically offer standalone dental insurance plans directly to the general public. Instead, dental coverage is available as a component of their group benefits packages or as part of the "Transit" health insurance plan for individuals converting from group coverage. Therefore, you cannot simply purchase a dental-only policy; it must be bundled with a broader health plan.
What happens to my dental coverage if I leave my job?
If you lose your group benefits after leaving your employer, you have the option to maintain coverage through Industrial Alliance's "Transit" conversion plan. You must apply for this plan within 60 days of your group benefits ending. The main advantage is that you are guaranteed acceptance without needing to complete a medical exam, allowing for a seamless continuation of your dental and health insurance.
Are there waiting periods for dental benefits with Industrial Alliance?
Yes, it is common for dental insurance plans to include waiting periods, and Industrial Alliance plans are no exception. While specific waiting times are not publicly listed and depend on your group or conversion plan, you can expect immediate coverage for basic preventive services. However, more extensive and costly procedures, such as crowns, bridges, or orthodontics, will likely require a waiting period before they become eligible for reimbursement.
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