What's the best Newfoundland dental insurance in 2025?

If you're wondering how to secure dental insurance in the picturesque Canadian province of Newfoundland, you've come to the right place. With several options available to ensure your dental well-being, choosing the right dental insurance Newfoundland plan can be hard.

That's why we've put together the best dental insurance Newfoundland options, their coverage, pros, cons, and costs, so you can find a plan that suits you best.

Once you know what they offer, you can also use our free comparator to compare the plans, get free personalized dental insurance quotes right here, and buy a plan that meets your unique budgets and requirements.

How can you get dental insurance in Newfoundland?

There are a few options for dental insurance in Newfoundland and Labrador:

1. Government dental plan: The Newfoundland and Labrador Dental Health Plan (NLDHP) provides basic dental coverage to all residents of the province. The plan covers preventive services, such as exams, cleanings, and X-rays, as well as basic restorative services, such as fillings and extractions. However, the plan has a cap of $300 per year, so if you need more expensive dental work, you will have to pay out of pocket.

2. Private dental insurance: There are a number of private dental insurance companies that offer plans to residents of Newfoundland. These plans can provide more comprehensive coverage than the government plan, including coverage for major services such as crowns and bridges.

If you are considering purchasing private dental insurance, it is important to compare plans carefully to find the one that best meets your needs and budget.

Comparing costs can be a great way to come to a decision. You can use our comparator and get personalized dental insurance quotes in minutes — just fill in your basic details.

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What are the best options for dental insurance in Newfoundland?

GreenShield dental insurance: Plans for every budget 

GreenShield provides comprehensive dental coverage as part of its health insurance plans, offering a variety of options to accommodate different needs and budgets. Whether you choose a ZONE plan or a LINK plan with dental benefits, you’ll have access to preventive care, basic dental services, and, in some cases, major treatments and orthodontics.

The ZONE plans are designed for individuals and families without group benefits, providing flexible dental coverage that increases with each tier. Lower-tier options, like ZONE 2 Primary and ZONE 3 Basic, focus on affordable access to routine and preventive care, while higher-tier plans, such as ZONE 6 Premier and ZONE 7 Ultimate, include major dental work and orthodontics starting in Year 3. These plans offer reimbursements of up to 90%, subject to the annual dental maximum.

For those transitioning from group benefits, the LINK 2, 3, and LINK 4 plans ensure guaranteed acceptance and seamless dental coverage. LINK 2 Classic includes preventive dental services, while LINK 4 Elite expands coverage to orthodontics and higher reimbursement rates. LINK plans provide up to 80% reimbursement, based on the plan’s annual dental maximum.

GreenShield personal health insurance stands out for its progressive dental coverage, increasing over time to enhance long-term value. Compared to other providers, GreenShield offers strong orthodontic benefits in higher-tier plans and budget-friendly lower-tier options, making it a competitive choice. Additionally, consistent benefits across provinces, whether you're in Newfoundland, Ontario or elsewhere, ensure the same high-quality coverage nationwide.

However, major dental services and orthodontics only begin in Year 3 for top-tier plans, which may not be ideal for those needing immediate access. Additionally, lower-tier plans come with modest annual limits, which might not be sufficient for individuals requiring extensive dental work.

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.

Sun Life Insurance: Coverage options for pre-existing conditions available

In Newfoundland, Sun Life offers Health Coverage Choice (HCC) plans — private health insurance plans that provide coverage for a variety of medical expenses, including:

• Prescription drugs
• Dental care
• Paramedical services, such as physiotherapy and chiropractic care
• Vision care
• Semi-private hospital room

The HCC plan is available to Canadians who are aged 18 to 74 and have provincial or territorial health insurance coverage. You can apply for the HCC plan even if you have a pre-existing medical condition.

There are three levels of coverage available under the HCC plan:

1. Health and Dental Choice A: This is the basic plan, which covers essential medical and dental expenses.
2. Health Choice B: This plan provides more comprehensive medical coverage, including emergency travel medical insurance and optional dental coverage.
3. Health Choice C: This plan provides the most comprehensive coverage, with higher annual and lifetime coverage maximums.

Here is what the coverage looks like for Plan A:

Benefit	Reimbursement	Maximum per person
Drug	80%	$500 in a calendar year
Extended health	80%	As described in the Extendedhealth provision
Vision	100%	$150 every two calendar years
Semi-private hospital room	50% of reasonable & customary charges	$5,000 in a calendar year
Preventive dental	80%	$700 in a calendar year

GMS Dental Insurance Newfoundland: Comprehensive options

Group Medical Services offers a variety of health insurance plans, spanning from fundamental coverage to all-encompassing healthcare protection.

Moreover, each of these plans allows you the flexibility to incorporate dental and/or prescription drug benefits.

• GMS health insurance encompasses dental coverage, addressing both fundamental services like examinations, fillings, and polishing, which promote preventive care.
• The coverage extends to major dental services such as crowns, bridges, and dentures, delivering comprehensive coverage for the restoration or replacement of teeth in accordance with the chosen policy.

Here’s a quick overview of the dental coverage offered by its Essential Plan:

• 80% preventive coverage for regular check-ups, examinations, cleanings, and scaling
• 80% basic coverage for checkups (every 6 months), polishing, fillings, etc
• 50% major coverage for major dental services, inlays, onlays, crowns, bridges, dentures, etc.

This plan offers a combined maximum of $1,000 for dental expenses (including basic and major services) and accidental dental coverage of $2,000 per injury.

GMS’s basic plan offers the following coverage:

• Year 1: $500
• Year 2: $750
• Year 3+: $1000

The above amount is the combined maximum for preventative, basic, and major care. Though Year 1 doesn’t cover major services. Also, the maximum for accidental dental is $500 per injury.

If you want to get personalized dental insurance quotes from GMS and other leading companies in Canada and compare them, you can use our comparator. Just fill in your basic details and get dental insurance quotes in minutes.

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Blue Cross Dental Insurance: A plan for every need and budget

Blue Cross offers complete health plans with dental coverage and individual dental insurance plans for those who need standalone dental insurance.

The latter provides more comprehensive dental coverage:

• Preventive services, encompassing cleaning, polishing, fluoride treatments and sealants.
• Examinations, including X-rays once every 36 months and emergency assessments.
• Restorative services, which include fillings.
• Surgical procedures like extractions and root canal therapy.
• Denture services, comprising repairs, relining and rebasing.

The Individual Dental plan offers the following services that are eligible for coverage at a rate of 70%, subject to applicable limits.

It means that. Medavie Blue Cross will reimburse 70% of the expenses associated with the aforementioned procedures, following the fee schedule established by the Dental Society for general practitioners in your province of residence. Please be aware that a 6-month waiting period is in effect.

Also, accidental death and dismemberment coverage is an integral component of the Individual Dental plan.

• Both the applicant and the applicant's spouse are covered for a maximum of $25,000 each in the event of accidental loss of life or limb.
• Accidental Death and Dismemberment coverage will cease at the conclusion of the month following your 65th birthday.

What does provincial healthcare cover in Newfoundland?

The provincial health plan in Newfoundland is called the Medical Care Plan (MCP). It is a public health insurance program that provides coverage for most basic medical and hospital services to all residents of the province.

Some of the services that are covered by the MCP include:

• Physician visits
• Hospital stays
• Diagnostic tests and procedures
• Preventive care, such as immunizations and cancer screenings
• Emergency medical services

The MCP also covers a number of prescription drugs, but there is a deductible and co-payment for each prescription.

Why do you need private dental insurance in Newfoundland and Labrador?

There are a few reasons why you might need private dental insurance in Newfoundland :

1. To cover the gaps in public healthcare: The provincial health plan (MCP) covers some basic dental services, such as exams and cleanings, but it does not cover most restorative and major dental services, such as fillings, crowns, bridges, and root canals. Private dental insurance can help you to cover the cost of these services.
2. To get better access to dental care: Private dental insurance can give you access to shorter wait times for appointments and procedures, as well as more choices of dentists.
3. To protect yourself from financial hardship: If you have a serious dental problem or need expensive dental treatment, private dental insurance can help you pay for the cost of care without having to rely on your savings or go into debt.

Here are some specific examples of situations where private dental insurance in Newfoundland could be helpful:

• You need to get a cavity filled, but there is a long wait time for appointments in the public system. With private dental insurance, you may be able to get a cavity filled sooner.
• You need to get a crown or bridge, but these services are not covered by the MCP. With private dental insurance, you may be able to get a crown or bridge covered.
• You have a child who needs orthodontic care. The MCP does not cover orthodontic care, but private dental insurance often does.
• You have a dental emergency, such as a broken tooth or a toothache, and you need to see a dentist immediately. With private dental insurance, you may be able to see a dentist sooner and avoid having to go to the emergency room.

What is the cost of dental insurance Newfoundland plans?

The cost of dental insurance in Newfoundland will vary depending on a number of factors, including:

• The type of plan you choose
• The level of coverage you want
• Your age
• Whether you have any pre-existing dental conditions

If you are considering purchasing dental insurance in Newfoundland, it is important to compare plans from different companies to find the one that best meets your needs and budget. You can compare their costs using our comparator.

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What are the main tips to get affordable dental insurance in Newfoundland?

First of all, shop around and compare plans from different companies. You can do it right here using our comparator. Compare plans and get free quotes in seconds. Additionally, you must:

• Consider your needs: What types of dental services do you need or expect to need? If you have a history of dental problems, you may need a plan with more comprehensive coverage.
• Look for plans with discounts: Many dental insurance companies offer discounts for families, seniors, and students.
• Ask about employer-sponsored plans: If you work full-time, your employer may offer dental insurance as a benefit.