Is RBC dental insurance worth it? 2025 Review

RBC Insurance
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Our expert's opinion on RBC

Last update: August 15, 2025
RBCRBC
3
hellosafe-logoScore
A. Fruchard
A. Fruchard
Insurance expert

RBC Insurance offers dental coverage exclusively through its Group Benefit Solutions, making it a solid but inaccessible choice for the general public in Canada. Our analysis gives it a moderate score, primarily because its availability is restricted to employees of participating companies.

For these members, RBC provides a robust framework with customizable plan options covering everything from preventive and basic care to major services and orthodontics, depending on the employer's selection. Reimbursement rates, annual maximums, and deductibles are not standardized and vary significantly between group contracts.

Compared to competitors like Sun Life, which offers both group and individual plans, RBC focuses solely on the employer market, leveraging a strong digital experience with very fast claims processing, typically within 2-3 business days.

While RBC Insurance holds low general customer ratings on Google (2.7/5) and InsurEye (2.5/5), its benefits platform is often praised. This insurance is tailored specifically for employees of companies seeking a digitally-savvy and administratively efficient benefits provider, not for individuals or families seeking direct coverage.

  • Fast claims processing in 2-3 business days
  • Intuitive mobile app and online portal
  • Pre-claim reimbursement simulator
  • Access to Teladoc for second opinions
  • Emergency travel dental assistance
  • Comprehensive options for employer plans
  • Direct billing from dental providers
  • Exclusively for employer-sponsored groups
  • No individual or family plans available
  • Coverage and rates vary by employer
  • No public pricing or plan details
  • Cosmetic dentistry explicitly excluded
RBCRBC
3
hellosafe-logoScore
  • Fast claims processing in 2-3 business days
  • Intuitive mobile app and online portal
  • Pre-claim reimbursement simulator
  • Access to Teladoc for second opinions
  • Emergency travel dental assistance
  • Comprehensive options for employer plans
  • Direct billing from dental providers

Our expert's opinion on RBC

Last update: August 15, 2025
A. Fruchard
A. Fruchard
Insurance expert
  • Fast claims processing in 2-3 business days
  • Intuitive mobile app and online portal
  • Pre-claim reimbursement simulator
  • Access to Teladoc for second opinions
  • Emergency travel dental assistance
  • Comprehensive options for employer plans
  • Direct billing from dental providers
  • Exclusively for employer-sponsored groups
  • No individual or family plans available
  • Coverage and rates vary by employer
  • No public pricing or plan details
  • Cosmetic dentistry explicitly excluded
RBCRBC
3
hellosafe-logoScore
  • Fast claims processing in 2-3 business days
  • Intuitive mobile app and online portal
  • Pre-claim reimbursement simulator
  • Access to Teladoc for second opinions
  • Emergency travel dental assistance
  • Comprehensive options for employer plans
  • Direct billing from dental providers
RBC Insurance offers dental coverage exclusively through its Group Benefit Solutions, making it a solid but inaccessible choice for the general public in Canada. Our analysis gives it a moderate score, primarily because its availability is restricted to employees of participating companies. For these members, RBC provides a robust framework with customizable plan options covering everything from preventive and basic care to major services and orthodontics, depending on the employer's selection. Reimbursement rates, annual maximums, and deductibles are not standardized and vary significantly between group contracts. Compared to competitors like Sun Life, which offers both group and individual plans, RBC focuses solely on the employer market, leveraging a strong digital experience with very fast claims processing, typically within 2-3 business days. While RBC Insurance holds low general customer ratings on Google (2.7/5) and InsurEye (2.5/5), its benefits platform is often praised. This insurance is tailored specifically for employees of companies seeking a digitally-savvy and administratively efficient benefits provider, not for individuals or families seeking direct coverage.
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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.

Types of Dental Plans Offered by RBC

RBC Insurance provides dental coverage in Canada exclusively through its group benefits program designed for employers. These plans are integrated into a company's overall employee benefits package.

  • Group dental plans: This is the only way to get RBC dental insurance, offered to employees and their eligible dependents as part of their workplace benefits package.

What is RBC's dental insurance coverage?

RBC provides dental insurance exclusively through group benefits plans, where the employer customizes the coverage levels. Therefore, specific reimbursement rates, maximums, and waiting periods vary and are detailed in the employee's benefits booklet. The table below outlines the general availability of common dental benefits.

GuaranteeIncluded in Plan?Reimbursement rate (%)Annual maximum ($)Waiting period (months)
Preventive care (check-ups, cleanings, x-rays)YesVaries by planVaries by planNot specified
Basic restorative care (fillings, extractions)YesVaries by planVaries by planNot specified
Major restorative care (crowns, dental bridges, dentures)Yes (if selected)Varies by planVaries by planNot specified
Endodontics (root canal therapy)Yes (if selected)Varies by planVaries by planNot specified
Periodontics (gum treatments)Yes (if selected)Varies by planVaries by planNot specified
Orthodontics (braces, Invisalign)Yes (if selected)Varies by planVaries by planNot specified
Oral surgeryYesVaries by planVaries by planNot specified
Emergency dental careYesVaries by planVaries by planNot specified
Dental implantsYes (via HSA/Cost Plus)Not specifiedNot specifiedNot specified
Cosmetic dentistry (whitening, veneers)NoNot coveredNot coveredNot covered
Anesthesia/sedation coverageYes (if medically necessary)Not specifiedNot specifiedNot specified
Accidental dental injury coverageYesVaries by planVaries by planNot specified
RBC's dental insurance coverage
Preventive care (check-ups, cleanings, x-rays)
Included in Plan?
Yes
Reimbursement rate (%)
Varies by plan
Annual maximum ($)
Varies by plan
Waiting period (months)
Not specified
Basic restorative care (fillings, extractions)
Included in Plan?
Yes
Reimbursement rate (%)
Varies by plan
Annual maximum ($)
Varies by plan
Waiting period (months)
Not specified
Major restorative care (crowns, dental bridges, dentures)
Included in Plan?
Yes (if selected)
Reimbursement rate (%)
Varies by plan
Annual maximum ($)
Varies by plan
Waiting period (months)
Not specified
Endodontics (root canal therapy)
Included in Plan?
Yes (if selected)
Reimbursement rate (%)
Varies by plan
Annual maximum ($)
Varies by plan
Waiting period (months)
Not specified
Periodontics (gum treatments)
Included in Plan?
Yes (if selected)
Reimbursement rate (%)
Varies by plan
Annual maximum ($)
Varies by plan
Waiting period (months)
Not specified
Orthodontics (braces, Invisalign)
Included in Plan?
Yes (if selected)
Reimbursement rate (%)
Varies by plan
Annual maximum ($)
Varies by plan
Waiting period (months)
Not specified
Oral surgery
Included in Plan?
Yes
Reimbursement rate (%)
Varies by plan
Annual maximum ($)
Varies by plan
Waiting period (months)
Not specified
Emergency dental care
Included in Plan?
Yes
Reimbursement rate (%)
Varies by plan
Annual maximum ($)
Varies by plan
Waiting period (months)
Not specified
Dental implants
Included in Plan?
Yes (via HSA/Cost Plus)
Reimbursement rate (%)
Not specified
Annual maximum ($)
Not specified
Waiting period (months)
Not specified
Cosmetic dentistry (whitening, veneers)
Included in Plan?
No
Reimbursement rate (%)
Not covered
Annual maximum ($)
Not covered
Waiting period (months)
Not covered
Anesthesia/sedation coverage
Included in Plan?
Yes (if medically necessary)
Reimbursement rate (%)
Not specified
Annual maximum ($)
Not specified
Waiting period (months)
Not specified
Accidental dental injury coverage
Included in Plan?
Yes
Reimbursement rate (%)
Varies by plan
Annual maximum ($)
Varies by plan
Waiting period (months)
Not specified
RBC's dental insurance coverage

Cost of RBC Dental Insurance in 2025

Type of coverageValue plan 1Value plan 2Value plan 3
Individual (1 insured)Not publicly availableNot publicly availableNot publicly available
Couple (2 insured)Not publicly availableNot publicly availableNot publicly available
Single-parent family (1 adult + 2 children)Not publicly availableNot publicly availableNot publicly available
Family (2 adults + 2 children)Not publicly availableNot publicly availableNot publicly available
Cost of RBC Dental Insurance
Individual (1 insured)
Value plan 1
Not publicly available
Value plan 2
Not publicly available
Value plan 3
Not publicly available
Couple (2 insured)
Value plan 1
Not publicly available
Value plan 2
Not publicly available
Value plan 3
Not publicly available
Single-parent family (1 adult + 2 children)
Value plan 1
Not publicly available
Value plan 2
Not publicly available
Value plan 3
Not publicly available
Family (2 adults + 2 children)
Value plan 1
Not publicly available
Value plan 2
Not publicly available
Value plan 3
Not publicly available
Cost of RBC Dental Insurance

*These are indicative prices and may vary depending on individual circumstances and the selected plan.

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Good to know

RBC offers dental insurance exclusively through customized Group Benefit Solutions for employers, not as individual or family plans with set tiers like "Value Plan 1". Premiums are determined by the specific plan design negotiated by the employer and are not publicly available.

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Discount codes for RBC

RBC Promo CodesDetails
HelloSafe Promo Code-5%
Discount codes for RBC
HelloSafe Promo Code
Details
-5%
Discount codes for RBC

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 RBC

FeatureAvailabilityExpert opinion (one clear sentence of 15–25 words)
Online claim submissionYou can submit claims easily from home, speeding up the process without needing to mail any paper forms.
Mobile appThis allows you to manage claims, check coverage, and access your benefits card directly from your smartphone.
Member portal for claim trackingThis tool lets you monitor the status of your claims online, providing transparency and reducing the need to call.
Claim reimbursement simulatorThis lets you check coverage for procedures beforehand, helping you budget for any out-of-pocket dental expenses.
Reimbursement time frame2-3 business daysYou can expect to receive your money quickly for most claims, which improves your personal cash flow management.
Adding or removing members without feesYou can adjust your family's dental coverage through your employer's HR department as your personal needs change over time.
Telephone assistance with a healthcare professionalThis service provides access to medical experts for guidance on health issues beyond simple claim-related questions.
Second medical opinionYou can get an expert evaluation of a diagnosis or treatment plan, empowering you to make informed decisions.
24/7 travel assistanceThis provides round-the-clock support for dental or medical emergencies when travelling outside your home province.
Dental Reimbursements RBC
Online claim submission
Availability
Expert opinion (one clear sentence of 15–25 words)
You can submit claims easily from home, speeding up the process without needing to mail any paper forms.
Mobile app
Availability
Expert opinion (one clear sentence of 15–25 words)
This allows you to manage claims, check coverage, and access your benefits card directly from your smartphone.
Member portal for claim tracking
Availability
Expert opinion (one clear sentence of 15–25 words)
This tool lets you monitor the status of your claims online, providing transparency and reducing the need to call.
Claim reimbursement simulator
Availability
Expert opinion (one clear sentence of 15–25 words)
This lets you check coverage for procedures beforehand, helping you budget for any out-of-pocket dental expenses.
Reimbursement time frame
Availability
2-3 business days
Expert opinion (one clear sentence of 15–25 words)
You can expect to receive your money quickly for most claims, which improves your personal cash flow management.
Adding or removing members without fees
Availability
Expert opinion (one clear sentence of 15–25 words)
You can adjust your family's dental coverage through your employer's HR department as your personal needs change over time.
Telephone assistance with a healthcare professional
Availability
Expert opinion (one clear sentence of 15–25 words)
This service provides access to medical experts for guidance on health issues beyond simple claim-related questions.
Second medical opinion
Availability
Expert opinion (one clear sentence of 15–25 words)
You can get an expert evaluation of a diagnosis or treatment plan, empowering you to make informed decisions.
24/7 travel assistance
Availability
Expert opinion (one clear sentence of 15–25 words)
This provides round-the-clock support for dental or medical emergencies when travelling outside your home province.
Dental Reimbursements RBC
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RBC Dental Insurance Reviews

Review siteRating and number of reviews
Google2.7/5 (300+ reviews)
InsurEye2.5/5 (150+ reviews)
RBC Dental Insurance Reviews
Google
Rating and number of reviews
2.7/5 (300+ reviews)
InsurEye
Rating and number of reviews
2.5/5 (150+ reviews)
RBC Dental Insurance Reviews

Here is a summary of the main positive and negative points shared by RBC customers.

✅ The mobile app and online portal are frequently praised for being user-friendly and efficient. 
✅ A fast claims process for straightforward dental work is a commonly cited advantage. 
✅ The customer service for group plan members is often described as helpful and accessible.

❌ The lack of an individual dental plan option is a significant drawback for those without group coverage. 
❌ A recurring issue involves confusion over coverage levels, as they are determined by each employer's specific plan. 
❌ Some customers report experiencing delays and disputes when dealing with more complex or significant claims.

Here are examples of reviews left online:

  • "The RBC My Benefits app makes submitting dental claims really easy. I usually get reimbursed within a couple of days. Customer service was helpful when I had questions about my coverage.", Jessica M., April 2024, Google Reviews.
  • "Coverage depends on what your employer chooses, so it’s confusing to know what’s included. Had an issue with a denied claim and it took weeks to resolve.", David L., February 2024, InsurEye.

How to Contact RBC

Reason for contactContact RBC
For a dental insurance quote 🧾Contact your employer or plan administrator. They can request a group benefits quote by calling 1-888-822-9617, Monday to Friday, 8 a.m. to 8 p.m. ET.
For proof of dental insurance 🧾Access your digital benefits card on the My Benefits app or the online member portal. For assistance, call 1-855-264-2174, Monday to Friday, 8 a.m. to 8 p.m. ET.
For dental assistance 🩺For questions about your coverage, call the support line at 1-855-264-2174, Monday to Friday, 8 a.m. to 8 p.m. ET.
To report a dental claim or track a reimbursement 🔍Submit and track claims via the My Benefits app or the online portal. For help, call the claims line at 1-855-264-2174, Monday to Friday, 8 a.m. to 8 p.m. ET.
Contact RBC
For a dental insurance quote 🧾
Contact RBC
Contact your employer or plan administrator. They can request a group benefits quote by calling 1-888-822-9617, Monday to Friday, 8 a.m. to 8 p.m. ET.
For proof of dental insurance 🧾
Contact RBC
Access your digital benefits card on the My Benefits app or the online member portal. For assistance, call 1-855-264-2174, Monday to Friday, 8 a.m. to 8 p.m. ET.
For dental assistance 🩺
Contact RBC
For questions about your coverage, call the support line at 1-855-264-2174, Monday to Friday, 8 a.m. to 8 p.m. ET.
To report a dental claim or track a reimbursement 🔍
Contact RBC
Submit and track claims via the My Benefits app or the online portal. For help, call the claims line at 1-855-264-2174, Monday to Friday, 8 a.m. to 8 p.m. ET.
Contact RBC

FAQ

Who can apply for RBC dental insurance?

RBC dental insurance is offered exclusively through its Group Benefit Solutions, meaning it is only available to employees of companies that have an employer-sponsored plan with RBC. Individuals and families cannot purchase dental insurance directly from RBC. If you do not have access to a group plan, it is best to compare dental insurance offers online to find a provider that offers individual coverage tailored to your needs.

Are there any age requirements with RBC?

The primary age requirements for RBC dental insurance apply to dependents covered under an employee's plan. Dependent children are generally covered until age 21. This coverage can often be extended until the age of 26 if the dependent is enrolled as a full-time student in an accredited educational institution. The employee must typically provide annual proof of their dependent's student status to maintain this extended coverage.

Can members be added or removed from RBC dental insurance?

Yes, eligible family members can be added or removed from your plan by making a request through your employer's plan administrator or HR department, usually during the annual enrollment period or after a qualifying life event such as marriage, birth, or adoption.

How do I check if a dental procedure is covered before my appointment?

RBC provides members with tools to check their coverage before receiving treatment. You can log into the RBC Insurance member portal or use the My Benefits mobile app to review your plan's specific details and see what is covered. A useful feature is the ability to submit a "mock claim" to get an estimate of how much will be reimbursed for a particular dental service, giving you financial clarity beforehand.

Does RBC cover major dental work like crowns or orthodontics?

Coverage for major dental services like crowns, bridges, and dentures, as well as for orthodontic treatments, is not standard and depends on the specific group plan your employer has selected. RBC offers different tiers of coverage, and employers choose whether to include these more comprehensive benefits in their plan. To confirm your coverage, you should always consult your benefits booklet or check your details on the online member portal.

How are dental claims submitted to RBC?

RBC offers several convenient ways to submit a dental claim. The fastest method is electronically, either through the secure online member portal or the RBC Insurance My Benefits mobile app. Many dental offices can also submit claims directly to RBC on your behalf, which simplifies the process significantly. If direct billing is used, you only need to pay the remaining balance not covered by your plan at the time of your appointment.

Who can apply for RBC dental insurance?

RBC dental insurance is offered exclusively through its Group Benefit Solutions, meaning it is only available to employees of companies that have an employer-sponsored plan with RBC. Individuals and families cannot purchase dental insurance directly from RBC. If you do not have access to a group plan, it is best to compare dental insurance offers online to find a provider that offers individual coverage tailored to your needs.

Are there any age requirements with RBC?

The primary age requirements for RBC dental insurance apply to dependents covered under an employee's plan. Dependent children are generally covered until age 21. This coverage can often be extended until the age of 26 if the dependent is enrolled as a full-time student in an accredited educational institution. The employee must typically provide annual proof of their dependent's student status to maintain this extended coverage.

Can members be added or removed from RBC dental insurance?

Yes, eligible family members can be added or removed from your plan by making a request through your employer's plan administrator or HR department, usually during the annual enrollment period or after a qualifying life event such as marriage, birth, or adoption.

How do I check if a dental procedure is covered before my appointment?

RBC provides members with tools to check their coverage before receiving treatment. You can log into the RBC Insurance member portal or use the My Benefits mobile app to review your plan's specific details and see what is covered. A useful feature is the ability to submit a "mock claim" to get an estimate of how much will be reimbursed for a particular dental service, giving you financial clarity beforehand.

Does RBC cover major dental work like crowns or orthodontics?

Coverage for major dental services like crowns, bridges, and dentures, as well as for orthodontic treatments, is not standard and depends on the specific group plan your employer has selected. RBC offers different tiers of coverage, and employers choose whether to include these more comprehensive benefits in their plan. To confirm your coverage, you should always consult your benefits booklet or check your details on the online member portal.

How are dental claims submitted to RBC?

RBC offers several convenient ways to submit a dental claim. The fastest method is electronically, either through the secure online member portal or the RBC Insurance My Benefits mobile app. Many dental offices can also submit claims directly to RBC on your behalf, which simplifies the process significantly. If direct billing is used, you only need to pay the remaining balance not covered by your plan at the time of your appointment.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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