No Waiting Period Dental Insurance Canada: 2024 Guide

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Sunny Yadav updated on 7 November 2023

Dental problems can come at any time, and it can be frustrating to have to wait weeks or even months to get the care you need. But with no waiting period dental insurance Canada plans, get the care you need right away.

You can start receiving benefits for all dental services, including major procedures, as soon as you enroll in a no-waiting plan. But how do you find the right plan?

In this guide, find out everything about no-waiting dental insurance Canada plans including cost information, pros, and cons. You can also use our free comparator to compare the best no-waiting dental insurance plans and get quotes in no time.

No Waiting Period Dental Insurance Canada: 5 Key Takeaways

  1. No waiting period dental insurance covers all dental services without a waiting period.
  2. It’s pricier than dental insurance with a waiting period.
  3. Consider premiums, coverage, network, and out-of-pocket costs before buying a plan.
  4. To find the best no-waiting period dental insurance plan, compare policies and read the terms carefully.
  5. Use HelloSafe comparator to compare plans and get free quotes in seconds.

What is a no waiting period dental insurance Canada plan?

A dental insurance waiting period is the amount of time you must wait after enrolling in a dental insurance plan before you can start receiving benefits for certain dental services. Waiting periods are typically applied to major dental procedures, such as crowns, bridges, and root canals.

No waiting period dental insurance Canada is a type of dental insurance plan that does not have any waiting periods for any dental services. This means that you can start receiving benefits for all dental services, including major procedures, as soon as you enroll in the plan.

No waiting period dental insurance is typically more expensive than dental insurance plans with waiting periods. However, it can be a good option for people who need dental care right away or who have a history of needing major dental procedures.

While provincial plans like the Ontario Health Insurance Plan do not have a waiting period, the coverage for dental care is limited.

But make sure to compare different dental insurance providers to make an informed decision. You can do it right here using our HelloSafe comparator and get free quotes from Canada's best dental insurance plans in seconds.

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What are pros, cons of no waiting period dental insurance Canada plans?

If you are considering getting no waiting period dental insurance in Canada, it is important to compare plans and shop around to find the best plan for your needs. You should also read the plan carefully to understand the terms and conditions — and should weigh its pros and cons.

Here are some of the benefits of no waiting period dental insurance:

  • You can start receiving benefits for all dental services as soon as you enroll in the plan.
  • You don't have to worry about paying for major dental procedures out of pocket.

Here are some of the drawbacks of no waiting period dental insurance:

  • It is typically more expensive than dental insurance plans with waiting periods.
  • The coverage may not be as comprehensive as other dental insurance plans.

What is the cost of no waiting period dental insurance in Canada?

The cost of no waiting period dental insurance in Canada can vary depending on the plan, the level of coverage, and the age of the policyholder. However, it is typically more expensive than dental insurance with a waiting period.

The difference in cost is because no waiting period plans typically have higher premiums to cover the risk of paying for major dental procedures right away. Waiting period plans, on the other hand, can have lower premiums because the insurance company does not have to pay for major procedures for the first few months.

How can I get around my dental insurance waiting period?

Here are some of the ways to get around your dental waiting period:

  • Speak with your new insurer about waiving your waiting period based on your continuation of coverage from a previous dental insurance plan. Some insurers waive the waiting period if you have had continuous dental insurance coverage for a certain period of time.
  • See if your employer offers dental insurance with no waiting period. Many employers offer dental insurance as a benefit to their employees. Some of these plans may have no waiting period.
  • Purchase a dental insurance plan that specifically offers no waiting period. There are a few dental insurance companies that offer plans with no waiting period. These plans may be more expensive than other dental insurance plans, but they can be a good option if you need dental care right away.

What are the types of no waiting period dental insurance Canada plans?

Here are some of the types of no waiting period dental insurance plans available in Canada:

  1. Dental Health Maintenance Organization (HMO) plans: These plans require you to go to dentists in their network. You will typically pay a lower premium for an HMO plan, but you may have to pay more out of pocket for services that are not covered by the plan.
  2. Preferred Provider Organization (PPO) plans: These plans give you more flexibility to choose any dentist, but you will typically pay a higher premium. You will also typically pay more out of pocket for services that are not covered by the plan.
  3. Dental savings plans (DSPs): These plans are not technically insurance, but they can help you save money on dental care. You will typically pay a monthly fee to join a DSP and then you will receive discounts on dental services at participating dentists.
  4. Dental direct pay plans: These plans are similar to DSPs, but they do not require you to join a network of dentists. You can use any dentist you want, but you will typically pay a higher price for services that are not covered by the plan.

Here’s a quick comparison between each type of no waiting period dental insurance plan in Canada:

Plan typeDescriptionProsCons
Dental HMO plan
Requires you to go to dentists in their network.Lower premium.Less flexibility in choosing dentists.
Dental PPO plan
Gives you more flexibility to choose any dentist.Higher premium.More out-of-pocket costs for services that are not covered by the plan.
Dental savings plan
Not technically insurance, but can help you save money on dental care.Monthly fee.You will typically pay a higher price for services that are not covered by the plan.
Dental direct pay plan
Similar to DSPs, but does not require you to join a network of dentists.You can use any dentist you want.Higher price for services that are not covered by the plan.
Dental insurance with no waiting period in Canada Cost

What should you consider when choosing a no waiting period dental insurance Canada plan?

Here are some factors to consider when choosing a no waiting period dental insurance Canada plan:

  • The level of coverage: This is the amount of dental care that is covered by the plan.
  • The network of dentists: This is the list of dentists that you can use with the plan.
  • The waiting periods: Some plans may have waiting periods for certain dental services, but they may have no waiting period for others.
  • The out-of-pocket costs: These are the costs that you will have to pay for dental care, even if you have insurance.

Good to know

It is important to note that you must be covered by your provincial healthcare like the Alberta Health Care Insurance Plan or MSP in BC before you buy a private h

Another important and obvious thing to consider is the premium. This is the amount you will pay each month for the plan. While getting exact quotes from different providers can be hectic, we've made it simple for you. You can use our comparator below to get free quotes from various dental insurance providers in Canada and in time.

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See here for dental insurance quotes in Quebec

What are the best no waiting period dental insurance Canada plans?

  1. Humana Dental: Humana Dental offers a variety of no-waiting period dental insurance plans, including HMO and PPO plans. The plans cover a wide range of dental services, including preventive care, basic care, and major care.
  2. Sun Life Dental: Sun Life Dental also offers a variety of no-waiting period dental insurance plans. The plans cover a wide range of dental services, and they also offer a variety of discounts and benefits.
  3. Delta Dental: Delta Dental offers a few no-waiting period dental insurance plans that cover a wide range of dental services.

Here are some other options for affordable dental insurance in Canada:

  • Group dental insurance: This type of insurance is typically offered by employers or unions. It is usually the most affordable option, but it may not be available to everyone.
  • Direct pay dental plans: These plans are similar to dental savings plans, but they do not require you to join a network of dentists. You can use any dentist you want, but you will typically pay a higher price for services that are not covered by the plan.
  • Dental discount plans: These plans offer discounts on dental services at participating dentists. They are not technically insurance, but they can help you save money on dental care.
  • Self-funded dental care: This is a type of dental insurance where you pay for your own dental care and then claim reimbursement from your insurance company. This can be a good option if you have a high-deductible health plan.

Should you get no waiting period dental insurance?

Ultimately, the decision of whether to get no waiting period dental insurance or dental insurance with a waiting period depends on your individual needs and budget.

If you are concerned about having to pay for major dental procedures right away, then no waiting period insurance may be a good option for you. However, if you are on a tight budget, then dental insurance with a waiting period may be a better option.

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Sunny Yadav Copywriter
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Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.

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