What’s the Best Dental Insurance in Manitoba for 2025?
- For users without health benefits through their employer
- For users losing their group coverage
- For users without health benefits through their employer
- For users losing their group coverage
The PHI Standard Plan from Sun Life offers balanced and enhanced coverage compared to entry-level options, with 70% reimbursement for both preventive and basic dental care. The plan starts with a $750 annual limit in the first year and features no deductible or age restrictions, simplifying access and reducing upfront costs. This makes it a strong contender for those seeking a solid mix of affordability and extended protection. Although it doesn’t cover major dental procedures, the improved reimbursement rate and higher first-year ceiling make it a step up from basic plans, especially for those who expect recurring dental visits.
Ideal for: This plan is ideal for individuals recently removed from employer-sponsored group insurance or self-employed professionals wanting a stable, mid-tier option. It’s also a good fit for early retirees or anyone needing predictable out-of-pocket limits without undergoing medical screening.
- 70% coverage for both preventive and basic dental services
- $750 reimbursement limit in the first year
- No deductible or age-based restrictions
- Designed for those transitioning from employer benefits
- No coverage for major or specialized dental treatments
- Annual limit may not suffice for users with frequent dental procedures
- No add-ons for vision or travel care compared to other hybrid plans
- Best choice for future health care needs
- High benefit maximums
- Include orthodontic services
- Best choice for future health care needs
- High benefit maximums
- Include orthodontic services
GreenShield’s Zone 7 Ultimate plan is one of the most extensive individual dental insurance options in Canada, tailored for long-term health management. It offers up to 90% reimbursement on preventive and basic dental care, starting with $1,000 in coverage in the first year, increasing to $1,200 in the second, and reaching $1,500 annually from year three onward. It also includes orthodontic coverage—an uncommon benefit in non-group plans—and provides high annual benefit maximums without any deductible or age restriction. The guaranteed enrollment process with no medical questions further enhances accessibility for applicants with pre-existing conditions.
Ideal profile: This plan is ideal for families with orthodontic needs, individuals anticipating higher future dental expenses, and those seeking premium, all-encompassing dental coverage without risk of exclusion due to health history. It's especially suited to proactive planners who value stable, high-limit protection year after year.
- Up to 90% reimbursement for dental care
- Annual benefit increases up to $1,500 after three years
- Includes orthodontic services
- No deductible or age limit
- Guaranteed acceptance with pre-existing conditions covered
- Higher premium likely due to broad benefits
- Full value builds over time, not suited for short-term needs
- May be excessive for users needing only routine or preventive care
- Good quality-price ratio
- Complete basic care coverage
- Good quality-price ratio
- Complete basic care coverage
Blue Flex from Blue Cross offers a balanced and accessible dental insurance plan with an emphasis on affordability and preventive care. It covers 80% of preventive services and 50% of basic dental care, positioning itself as a practical solution for those who want essential dental protection without paying for extensive or specialized procedures. The first-year coverage is capped at $500, and there’s a modest $50 deductible, which makes it approachable for newcomers to dental insurance or those transitioning from employer-sponsored plans. The plan is limited to individuals aged 59 and under, and it’s particularly praised for its solid cost-to-coverage ratio and clarity in benefits. However, it doesn’t extend to major dental procedures or orthodontics, which may be a drawback for families or individuals with more comprehensive care needs.
Ideal for: This plan suits younger individuals, freelancers, or early retirees who primarily seek preventive maintenance and peace of mind. It’s also a good fit for those between jobs or without access to group benefits, looking for basic protection at a reasonable cost.
- 80% reimbursement on preventive care
- Low deductible of $50
- Strong reputation with a 4.9/5 rating
- Transparent and simple coverage structure
- Ideal for entry-level or budget-conscious subscribers
- Only 50% coverage for basic care
- Annual coverage capped at $500
- No coverage for major or orthodontic treatments
- Age limit set at 59
- Acceptable dental insurance with $1,000 coverage
- Acceptable dental insurance with $1,000 coverage
The EssentialPlan from Group Medical Services (GMS) offers straightforward and solid dental coverage with 80% reimbursement for both preventive and basic care, capped at a combined $1,000 per year. The absence of a deductible or age limit makes this plan particularly accessible, and it stands out for delivering maximum coverage right from the first year—unlike other plans that ramp up over time. While it doesn’t include major dental procedures or broader paramedical benefits, it does what it promises: providing a dependable and uncomplicated dental solution at a fair value.
Ideal profile: This plan is ideal for individuals or couples seeking reliable, mid-range dental protection, particularly those who want high first-year value and simple terms. It's also a smart choice for people new to private dental insurance who want full entry-level coverage with no waiting curve.
- 80% coverage for both preventive and basic dental services
- Up to $1,000 in reimbursement available from year one
- No deductible or age restrictions
- Simple, predictable coverage structure
- No coverage for major dental work
- Lacks vision or travel medical benefits
- Not customizable for broader health needs beyond dental care
- Most popular plan from GMS
- LifeWorks plan included
- GMS pay-direct card included
- Most popular plan from GMS
- LifeWorks plan included
- GMS pay-direct card included
The OmniPlan from Group Medical Services (GMS) offers one of the most comprehensive dental and health insurance packages available in the individual market. With up to $1,000 in combined coverage for preventive and basic dental care—including exams, cleanings, and fillings—it provides generous support for routine and slightly more involved dental needs. Notably, there is no deductible and no age-related coverage limit, which increases its appeal for a broader demographic. Although the first-year dental cap for basic services is $500, the higher total combined annual limit means users can access a wider range of benefits across different categories, including physiotherapy, massage therapy, eye exams, and glasses, making it a holistic health option beyond just dental care.
Ideal for: This plan is ideal for individuals or families seeking robust, all-around health coverage, especially those with ongoing needs in both dental and paramedical services. It’s also a solid match for professionals without employer benefits, early retirees, or those who prefer comprehensive private plans over public coverage gaps.
- Generous combined dental coverage up to $1,000
- No deductible or age limit
- Includes paramedical services like physiotherapy and vision care
- One of the most complete benefit packages on the market
- Dental-specific reimbursement capped at $500 in year one
- Higher premiums likely due to extensive coverage
- May be excessive for users seeking dental-only insurance
Looking for the best dental insurance in Manitoba can be challenging. There are so many options out there, with varying levels of coverage.
Delve with us into the offerings of premier providers in Manitoba — Sun Life, GreenShield Canada (GSC), Group Medical Services (GMS), and Blue Cross.
Also, explore the significance of private dental insurance in Manitoba, understanding its pivotal role in cost reduction, providing peace of mind, and promoting preventive care. And don’t forget to explore other plans and compare costs — use our comparator or request quotes from the providers directly.
Best Manitoba Dental Insurance 2025
- Sun Life’s PHI plans with dental coverage
- GreenShield dental insurance: Plans for every budget
- Group Medical Services’ Basic and Essential plans
- Blue Cross affordable plans with good coverage
What do dental insurance plans in Manitoba cover?
A lot of things, but the coverage will depend on your plan. Here are some of the types of dental services that are typically covered by private dental insurance in Manitoba:
- Routine cleanings and exams: To prevent dental problems such as cavities and gum disease.
- Fillings: Fillings are used to repair cavities.
- Crowns: Crowns are used to protect and restore damaged teeth.
- Root canals: Root canals are used to treat infected teeth.
- Orthodontics: Orthodontics is used to straighten teeth.
As mentioned, the specific services that are covered by your dental insurance plan will vary depending on the plan you choose. Hence, it is important to read the fine print of your policy carefully to understand what is covered and what is not.
Also, make sure to shop around and explore health and dental insurance plans from multiple providers to get the best deal. You can do that right here using our comparator below. Compare plans and get free health and dental insurance quotes in seconds.
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What’s the best dental insurance in Manitoba?
The best dental insurance in Manitoba depends on your individual needs and budget. However, some of the top-rated plans in the province include:
- Sun Life
- GreenShield personal health insurance
- Group Medical Services (GMS)
- Blue Cross
Let’s dig deep into their offerings and see what makes them a good choice as your next dental insurance provider.
Sun Life Dental Insurance Manitoba
Sun Life offers dental coverage exclusively through our Personal Health Insurance (PHI) plans, which are part of our comprehensive health and dental insurance options.
Depending on the particular PHI plan you select, you can access either partial or comprehensive coverage for a range of dental services.
This coverage includes procedures like teeth cleanings, dental x-rays, exams, and orthodontics (including braces for adults and children), as well as bridges, dentures, and crowns.
Here’s a quick overview of Sun Life dental insurance plans and their coverage levels:
| Plan Type | PHI Basic Plan | PHI Standard Plan | PHI Enhanced Plan |
|---|---|---|---|
| Dental Preventive Care | |||
| Reimbursement | 60% | 70% | 80% |
| Annual Maximum | $500 | $750 | $750 |
| Recall Visits | Every 9 months | Every 9 months | Every 9 months |
| Waiting Period | 3 months before coverage begins | 3 months before coverage begins | 3 months before coverage begins |
| Restorative Dental Care: | |||
| Reimbursement | 50% | ||
| Annual Maximum | $500 | ||
| Waiting Period | 1 year before coverage begins | ||
| Covered Services | Endodontics, Periodontics, Oral Surgery, Crowns, Onlays, Bridges, Dentures (and repairs to dentures) | ||
| Orthodontic Care: | |||
| Reimbursement | 60% | ||
| Lifetime Maximum | $1,500 | ||
| Waiting Period | 2 years before coverage begins | ||
| Covered Services | Interceptive, Interventive, or Preventive Orthodontic Services (Excluding Space Maintainers) This category covers early orthodontic interventions designed to prevent or address orthodontic issues. | ||
GreenShield dental insurance: Plans for every budget
GreenShield offers extensive dental coverage as part of its health insurance plans, providing options suited for a range of needs and budgets. The ZONE plans, designed for individuals and families without group benefits, offer flexible dental coverage that grows as you progress through the tiers. ZONE 2 Primary and ZONE 3 Basic focus on making routine and preventive care affordable, while ZONE 6 Premier and ZONE 7 Ultimate cover major dental work and orthodontics starting in Year 3. Reimbursement can go up to 90%, based on the annual dental maximum.
For those transitioning from group benefits, GreenShield offers the LINK plans (LINK 2, 3, and 4), which ensure guaranteed acceptance and easy integration of dental coverage. LINK 2 Classic includes preventive care, while LINK 4 Elite adds orthodontics and higher reimbursement rates. These plans provide up to 80% reimbursement, subject to the annual dental maximum.
What sets GreenShield personal health insurance apart is its progressive dental coverage, which increases over time to provide greater long-term value. The higher-tier plans feature excellent orthodontic coverage, while lower-tier options provide budget-friendly dental care. However, major dental services and orthodontics only kick in after Year 3 in the top-tier plans, which might not be ideal for those needing immediate attention. Additionally, the annual limits in lower-tier plans may not be adequate for those needing extensive dental treatments.
You can explore the full coverage details in the free PDFs below.
If you think GreenShield could be the right choice for you, you can get a free quote using our exclusive partner link below.
Group Medical Services (GMS)
Group Medical Services offers a varied selection of health insurance plans, ranging from essential coverage to comprehensive healthcare protection. Furthermore, each plan provides the flexibility to include benefits for dental and/or prescription drugs.
| Plan | Included Benefits |
|---|---|
| Essential Plan | Comprehensive dental coverage Preventive care (80% coverage): Regular check-ups, examinations, cleanings, scaling Basic care (80% coverage): Semi-annual checkups, polishing, fillings, etc. Major care (50% coverage): Inlays, onlays, crowns, bridges, dentures, etc. Combined maximum for dental expenses: $1,000 Accidental dental coverage: $2,000 per injury |
| Basic Plan | Graduated coverage over the years: Year 1: $500 Year 2: $750 Year 3+: $1,000 Accidental dental maximum: $500 per injury |
To receive personalized dental insurance quotes from Group Medical Services and other leading companies in Canada, use our comparison tool. Provide your basic details, and within minutes, get customized dental insurance quotes to easily compare and make an informed decision about your coverage.
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Blue Cross Dental Insurance Manitoba
Blue Cross offers all-encompassing health plans that include dental coverage, along with standalone individual dental insurance plans designed for those specifically seeking dental coverage.
| Individual Dental Insurance Coverage | Eligible Services | Coverage Rate | Waiting Period |
|---|---|---|---|
| Preventive Services | Cleaning, polishing, fluoride treatments, sealants, etc. | 70% | 6 months |
| Examinations | X-rays (once every 36 months) and emergency assessments | 70% | 6 months |
| Restorative Services | Fillings | 70% | 6 months |
| Surgical Procedures | Extractions and root canal therapy | 70% | 6 months |
| Denture Services | Repairs, relining, and rebasing | 70% | 6 months |
Here are some additional coverage details that you should know:
| Accidental Death and Dismemberment Coverage | Coverage Details |
|---|---|
| Applicant and Spouse Coverage | Up to $25,000 each in case of accidental loss of life or limb |
| Age Limit | Coverage ceases after the month following the 65th birthday |
How much does dental insurance in Manitoba cost?
The cost of dental insurance in Manitoba varies depending on a number of factors, including your age, health, and the type of coverage you choose.
Here are the estimated costs for a 27-year-old (male) living in Manitoba:
| Plan Provider | Monthly Cost |
|---|---|
| Sun Life Basic Sun Life Standard Sun Life Enhanced | $57.53 $73.41 $100.79 |
| Green Shield Prism Precision Green Shield Prism Spectra Green Shield Prism Continuum | $30-$50 $50-$75 $40-$60 |
| GMS Dental Essential Plan GMS Dental Basic Plan | $121.25 $70.75 |
| Blue Cross | Starting from $65 |
Why do you need private dental insurance in Manitoba?
Private dental insurance in Manitoba is often necessary because the provincial health insurance plan does not cover most dental services. This means that you would have to pay out of pocket for the full cost of dental care, which can be expensive.
Here are some of the benefits of having private dental insurance in Manitoba:
- Reduces the cost of dental care: Dental insurance can help you save money on the cost of dental care, including routine cleanings, exams, fillings, and crowns.
- Provides peace of mind: Knowing that you have dental insurance can give you peace of mind knowing that you can afford the care you need when you need it.
- Encourages preventive care: Regular dental care is important for maintaining good oral health and preventing dental problems. Dental insurance can encourage you to get the preventive care you need by making it more affordable.
If you're new to dental insurance, you can compare what the best plans offer right here using our comparator below. You can also get free quotes in a few quick steps.
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How to file a claim for private dental insurance Manitoba?
Filing a claim for private dental insurance in Manitoba is a straightforward process that can be completed in a few simple steps.
Here's a step-by-step guide to help you navigate the process:
- Gather your documentation, including your dental insurance policy details, the itemized dental receipt from your dentist, and any pre-authorization forms if required.
- Complete the claim form, providing accurate information about yourself, your policy, the dental services received, and the associated costs.
- Attach supporting documents, ensuring all documents are securely attached and legible.
- Choose your submission method — mail, online, or in person.
- Submit your claim to your dental insurance provider. Follow the specific instructions provided for your chosen submission method.
Once done, keep track of your claim status by checking your online account, contacting your provider's customer service, or referring to any tracking information provided. The processing time for claims may vary depending on the provider and the complexity of your claim.
Expert advice
Keep copies of all submitted documents for your records. Contact your dental insurance provider if you have any questions or concerns about the claim process.
What to keep in mind while choosing dental insurance in Manitoba?
Here are some factors to consider when choosing a private dental insurance plan in Manitoba:
- Your dental needs: What types of dental services do you need?
- Your budget: How much can you afford to pay for monthly premiums?
- The deductible: How much money do you have to pay out of pocket before your insurance benefits kick in?
- The co-insurance: How much will you have to pay as a percentage of the cost of covered services?
- The network of providers: Does your plan have a network of providers in your area?
