Is UofT Dental Insurance good? Review 2024

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Sunny Yadav updated on 26 September 2023

As a student in Toronto, health insurance can be costly, but the University of Toronto provides an affordable solution with the UofT health and dental insurance.

The UofT dental insurance plan covers a wide range of services, including preventive, basic, and major treatments. Let's explore its coverage, pros, cons, and key features for UofT students.

If you think UofT doesn't cover all your needs, you can compare Canada's best health and dental insurance plans right here using our HelloSafe comparator, get free personalized quotes in no time, and buy a plan that suits you the best.

UofT Dental Insurance: 5 Key Takeaways

  1. UOFT Dental Insurance covers preventive, basic, and major dental services, ensuring comprehensive oral healthcare.
  2. Affordable premiums for students, faculty, and staff make it a budget-friendly option.
  3. Easy enrollment and hassle-free claim submission through dentists, either manually or electronically.
  4. Keep in mind that certain exclusions, deductibles, and waiting periods may apply.
  5. Compare with other plans and get free insurance quotes using our comparator.

Our 2024 review of UofT dental insurance

The UofT Dental Insurance Canada plan offers a comprehensive range of dental services, including preventive care, basic treatments, and major services. It provides affordable premiums for students, making it accessible to the UofT community.

Enrollment is straightforward, and claims can be easily submitted online or manually through dentists. The plan boasts a network of over 3,000 dentists in Ontario, ensuring convenient access to care. However, there are deductibles, copays, and waiting periods to consider, and cosmetic dentistry is not covered.

Overall, UofT Dental Insurance Canada is a valuable option for UofT students, faculty, and staff looking to protect their oral health and manage dental expenses effectively. The current policy year is from Sept. 1, 2023 – Aug. 31, 2024, or from Jan. 1 – Aug. 31, 2024.

However, if you would like to look for other insurance policies that offer more comprehensive coverage, you can do it right here. Use our comparator below and compare Canada's best health insurance plans and get personalized quotes in seconds.

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Pros of UofT Dental Insurance

  • Covers a wide range of dental services, including preventive care, basic services, and major services
  • Affordable premiums for students
  • Easy to enroll and renew
  • Convenient online claims submission
  • Has a network of over 3,000 dentists in Ontario

Cons of UofT Dental Insurance

  • Deductibles and copays may apply
  • It does not cover services like cosmetic dentistry
  • There may be waiting periods for certain services
  • The plan is subject to change

Who provides UofT dental insurance?

The University of Tronto Students’ Union (UTSU) administers a comprehensive Health and Dental Plan, which offers exceptional mental health and dental insurance to all full-time undergraduate students. When compared to other student association plans in Canada, it stands out for its excellent benefits.

This plan encompasses a wide range of services, providing either full or partial coverage for various treatments not included in provincial health care OHIP. International Students benefit from dual coverage, including the UTSU Health Plan and the University Health Insurance Plan (UHIP).

Mandatory Health and dental Plan fees are automatically included in your tuition. Still, there is an option to opt out if you can demonstrate proof of alternative extended health insurance coverage.

Essentially, if you are already covered by an equivalent health and dental plan, such as one offered through a parent's or spouse's employee benefit plan, or a plan provided by your band council or Health Canada, you have the option to decline participation in this plan.

Is health and dental insurance mandatory for international students?

Health insurance requirements for international students in Canada may vary depending on the province or territory you are studying in and the length of your stay. However, in general, international students in Canada typically must have some form of health insurance coverage, even for short-term study programs.

In some provinces, such as British Columbia, Alberta, and Manitoba, international students are required to enroll in a provincial health insurance plan like the Medical Services Plan or Alberta Health Care Insurance Plan or purchase private health insurance that meets certain criteria.

What does UofT dental insurance cover?

Here’s the breakdown of services provided by your University of Toronto Students' Union Health & Dental Plan (UTSU):

  • $800 in dental visits per policy year
  • Exams and x-rays covered up to 70% per policy year
  • Lab tests and extractions covered up to 80% per policy year
  • Scaling and polishing covered up to 70% per policy year
  • Fillings, root canals, surgery, and anesthesia covered up to 60% per policy year
  • Oral examinations, polishing, and fluoride treatment are covered once every 12 months
  • Bitewing X-rays are covered once every 9 months
  • Oral hygiene instruction is covered once every 12 months
  • A complete exam is covered once every 5 years
  • Repair or replace damage to healthy teeth caused by an external blow or accident
  • Treatment must be sought within 12 months of the accident

UTSU's dental plan coverage chart

Insured Portion (1)
Examinations and x-rays (2)
70%
Basic Preventive Services and Basic Oral Surgery
Lab tests
Extractions
Maintenance of removable dentures (cleanings)
80%
Preventive scaling and polishing (2)
70%
Periodontics (2) (gum treatments)
70%
Basic Restorative Services
Fillings (3)
Endodontics (root canals)
Oral surgery
Anesthesia
Maintenance of removable dentures (other than cleaning)
60%
UTSU's dental plan's coverage

The Dental Plan does not cover services performed by orthodontists.

Good to know

Specific maximum limits apply to certain dental services. Please be aware that certain exclusions and limitations may apply. Before undergoing dental treatment expected to cost $300 or more, students should submit a treatment plan, obtained from their dentist, to the insurer for approval.

If you think you require more coverage, you can take a look at Canada's most comprehensive health insurance plans right here using our comparator below. You can compare multiple plans and get free tailor-made quotes in seconds.

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Who can get UofT dental insurance?

Full-time undergraduate students, including those in professional faculties, at the St. George campus, along with full-time students at the Toronto School of Theology, are automatically enrolled in the UTSU Health & Dental Plan.

However, there are certain exceptions, so we recommend checking your student account to verify whether Plan fees have been applied.

Who's not included? Part-time students do not receive coverage under the UTSU Plan. If you are registered for 2.5 or fewer full course equivalents during the Fall-Winter Sessions, you are classified as a part-time student and are part of the APUS Plan. 

Part-time students at the Toronto School of Theology are not automatically enrolled in the UTSU Plan. However, they may have the option to voluntarily enroll themselves in the Plan during the Change-of-Coverage Period.

What does UofT dental insurance cost?

For full-year coverage spanning from September 1, 2023, to August 31, 2024, the Plan fee is $450.58. The Plan cost is automatically included in your tuition charges.

Here's the breakdown:

Coverage periodPlan feeHealth feeDental feeHealth & dental fee
Full Year (Sept. 1, 2023 – Aug. 31, 2024)
$450.58$122.71$102.58$225.29
Fall 2022 (Sept. – Dec.)
$122.71$102.58$225.29
Winter 2023 (Jan. – Aug.)
$122.71$102.58$225.29
UofT dental insurance cost

How to file a claim with UofT dental insurance?

  1. Complete the Dental Claim Form in collaboration with your dentist.
  2. You have two options for submitting your claim: manually using a Dental Claim Form or electronically through your dentist.
  3. If you choose to submit your claims manually, please mail them to the address indicated on the form.
  4. When using a standard claim form, make sure to specify your group number (Q1212) and use your student ID as your certificate number.
  5. If your student ID consists of 9 or fewer digits, use all available digits. If your ID contains 10 digits, utilize all 10.
  6. You can opt to assign your benefits to your dentist. Simply sign the designated box on the form to grant authorization for benefits assignment.
  7. In such cases, reimbursements are sent directly to your dentist. Your responsibility will be to cover any remaining costs not covered by the insurance and/or any applicable Studentcare Dental Network reductions. To confirm if your dentist accepts the benefit assignment, kindly consult with them directly.

How to contact Uoft dental insurance? 

You can visit UofT’s frequently asked questions (FAQ) section to find answers to commonly asked questions and gain a clearer understanding of the plan.

Alternatively, here’s the mailing address:

Dept. UTSU
1200 McGill College Avenue, Suite 2200
Montreal, Quebec  H3B 4G7

You can also call UofT at 1-647-249-0430 for any questions. Please expect a delay or extended waiting time due to a high volume of requests in certain time periods. 

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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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