Is Wawanesa dental insurance worth it? 2025 Review
Our expert's opinion on Wawanesa
ScoreWawanesa Life offers a specialized approach to dental insurance in Canada, focusing exclusively on customizable group benefits plans. Our analysis gives their offering a solid assessment, primarily due to the flexibility afforded to employers and the robust digital tools available to members. Plan options, reimbursement rates, annual maximums, and waiting periods are entirely dependent on the specific contract negotiated by the plan sponsor, meaning there is significant variability in coverage.
However, all plans include essential preventive, basic, and emergency care, with options to add major services like orthodontics and implants. Unlike competitors that cater to the individual market, Wawanesa dedicates its resources to the group sector, which can result in well-tailored plans. Claims are managed efficiently through a modern online portal and mobile app, and members benefit from access to a second opinion service.
While reimbursement times are plan-dependent, the digital submission process is a clear strength. This insurance is best suited for employees or association members whose plan sponsors have partnered with Wawanesa, as it is unavailable for direct purchase.
- ✅Group plans customizable by employers
- ✅Convenient online and mobile app claims
- ✅24/7 member portal for plan access
- ✅Included second medical opinion service
- ✅Direct phone support during business hours
- ✅Coverage for accidental dental injuries
- ✅Digital management of plan membership
- ❌No dental plans for individuals or families
- ❌Coverage and rates vary by employer
- ❌Not available for direct public purchase
- ❌Pricing information is not public
- ❌No online dental cost estimation tool
Score- ✅Group plans customizable by employers
- ✅Convenient online and mobile app claims
- ✅24/7 member portal for plan access
- ✅Included second medical opinion service
- ✅Direct phone support during business hours
- ✅Coverage for accidental dental injuries
- ✅Digital management of plan membership
Our expert's opinion on Wawanesa
- ✅Group plans customizable by employers
- ✅Convenient online and mobile app claims
- ✅24/7 member portal for plan access
- ✅Included second medical opinion service
- ✅Direct phone support during business hours
- ✅Coverage for accidental dental injuries
- ✅Digital management of plan membership
- ❌No dental plans for individuals or families
- ❌Coverage and rates vary by employer
- ❌Not available for direct public purchase
- ❌Pricing information is not public
- ❌No online dental cost estimation tool
Score- ✅Group plans customizable by employers
- ✅Convenient online and mobile app claims
- ✅24/7 member portal for plan access
- ✅Included second medical opinion service
- ✅Direct phone support during business hours
- ✅Coverage for accidental dental injuries
- ✅Digital management of plan membership
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 Canada, carefully analyzing coverage details, pricing, and quality of service. Here is our expert review of Wawanesa's dental insurance plan.
Types of Dental Plans Offered by Wawanesa
Wawanesa provides dental insurance coverage exclusively through group benefit plans tailored for employers and associations across Canada. These plans are not available for direct purchase by individuals or families.
- Group Dental Insurance: This coverage is offered to employees or members as part of a comprehensive benefits package, with plan details customized by the employer or association.
What Is Wawanesa's Dental Insurance Coverage?
| Guarantee | Included in Plan? | Reimbursement rate (%) | Annual maximum ($) | Waiting period (months) |
|---|---|---|---|---|
| Preventive care (check-ups, cleanings, x-rays) | Yes | Plan-dependent | Plan-dependent | Plan-dependent |
| Basic restorative care (fillings, extractions) | Yes | Plan-dependent | Plan-dependent | Plan-dependent |
| Major restorative care (crowns, dental bridges, dentures) | Optional | Plan-dependent | Plan-dependent | Plan-dependent |
| Endodontics (root canal therapy) | Optional | Plan-dependent | Plan-dependent | Plan-dependent |
| Periodontics (gum treatments) | Optional | Plan-dependent | Plan-dependent | Plan-dependent |
| Orthodontics (braces, Invisalign) | Optional | Plan-dependent | Plan-dependent | Plan-dependent |
| Oral surgery | Optional | Plan-dependent | Plan-dependent | Plan-dependent |
| Emergency dental care | Yes | Plan-dependent | Plan-dependent | Plan-dependent |
| Dental implants | Optional | Plan-dependent | Plan-dependent | Plan-dependent |
| Cosmetic dentistry (whitening, veneers) | No | Not covered | Not covered | Not covered |
| Anesthesia/sedation coverage | Optional | Plan-dependent | Plan-dependent | Plan-dependent |
| Accidental dental injury coverage | Yes | Plan-dependent | Plan-dependent | Plan-dependent |
The Cost of Wawanesa Dental Insurance in 2025
Wawanesa only offers dental insurance as part of group benefits packages for employers or associations. Therefore, there are no individual or family plans available for direct purchase, and pricing is not publicly available. Premiums are determined by the specific group plan arranged by the employer or plan sponsor.
Good to know
Pricing for Wawanesa dental insurance is set by the group plan sponsor and is not publicly available.
Wawanesa Discount Codes
| Wawanesa Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best dental insurance plans.
How Do Dental Insurance Claims Work with Wawanesa?
| Feature | Availability | Expert opinion (one clear sentence of 15–25 words) |
|---|---|---|
| Online claim submission | ✅ | This feature allows you to submit your dental expenses from home, avoiding paperwork and speeding up the reimbursement process. |
| Mobile app | ✅ | You can easily manage your claims, view your coverage details, and access your digital ID card from your smartphone. |
| Member portal for claim tracking | ✅ | The portal gives you a clear, real-time overview of your claim history and the status of pending submissions. |
| Claim reimbursement simulator | ❌ | You cannot estimate your out-of-pocket costs for a procedure beforehand, which makes financial planning more difficult. |
| Reimbursement time frame | Plan-dependent | Reimbursement speed varies by plan, so you should check your specific group booklet for expected processing timelines. |
| Adding or removing members without fees | ✅ | Your plan administrator can update your policy with family changes, ensuring your coverage remains accurate without extra charges. |
| Telephone assistance with a healthcare professional | ❌ | You will need to consult your own dentist for medical advice, as phone support is for administrative questions only. |
| Second medical opinion | ✅ | This service provides access to an expert evaluation of a diagnosis or treatment plan, empowering you to make informed decisions. |
| 24/7 travel assistance | ✅ | Emergency assistance is available if included in your group plan, offering peace of mind when you are traveling abroad. |
What do customers say about Wawanesa dental insurance?
The following points summarize the feedback provided by Wawanesa customers:
✅ An easy online claims process is frequently praised by members.
✅ The customer service is often described as responsive.
❌ A common point of criticism is that coverage details vary significantly by employer.
❌ The lack of any individual dental plans is a significant disadvantage for those without group coverage.
How to Contact Wawanesa
| Reason for contact | Contact Wawanesa |
|---|---|
| 🧾 For a dental insurance quote | Contact your employer or association's plan administrator, as dental insurance is only available through group benefit plans. |
| 🧾 For proof of dental insurance | Download your proof of coverage from the online Plan Member portal or request it from your group plan administrator. |
| 🩺 For dental assistance | For help with your benefits, call the member assistance line at 1-800-665-7076 during standard business hours. |
| 🔍 To report a dental claim or track a reimbursement | Submit and track claims using the online Plan Member portal or the mobile app, or call 1-800-665-7076 for support. |
FAQ
Who can apply for Wawanesa dental insurance?
Wawanesa dental insurance is only available through group benefits plans provided by an employer or association. Therefore, individuals cannot apply for coverage directly through Wawanesa. If you are seeking personal dental insurance because you are self-employed or do not have workplace benefits, you will need to explore other providers. It is recommended to compare individual dental insurance plans online to find a policy that fits your needs.
Are there any age requirements with Wawanesa?
There are no universal age requirements set by Wawanesa, as eligibility is determined by the specific group plan. Any age limits for employees or their dependents are established by the employer or association that sponsors the plan. To understand the specific age requirements that apply to your coverage, you should consult your benefits booklet or speak with your HR department or plan administrator for clarification.
Can members be added or removed from Wawanesa dental insurance?
Yes, eligible dependents like a spouse or children can be added to your Wawanesa dental insurance. This is managed through your plan administrator or HR department, usually during an open enrollment period or following a significant life event, such as marriage or the birth of a child. Removing members follows a similar process and is subject to the terms of your group contract.
Can I get Wawanesa dental insurance if I am self-employed?
No, Wawanesa does not offer dental insurance plans directly to self-employed individuals, freelancers, or retirees. Their dental coverage is exclusively available as part of a group benefits package sponsored by an employer or an association. If you need individual coverage, you must seek a plan from another insurance carrier that specializes in policies for individuals and families not covered by a group plan.
How do I submit a dental claim to Wawanesa?
You can submit dental claims through the Wawanesa Plan Member online portal or their mobile app, which is the fastest way to get reimbursed. In many cases, your dental provider can also submit the claim directly on your behalf through the providerConnect system. This allows for direct billing, where Wawanesa pays the dentist their portion, and you only pay the remaining balance.
How do I find out the specific details of my dental coverage?
All coverage details, including reimbursement rates, annual maximums, and waiting periods, are specific to your group plan. The best way to review your benefits is to log in to the Plan Member portal and view your benefits booklet. This document provides a comprehensive overview of what is covered. For any specific questions, your plan administrator or HR department is the primary contact.
Who can apply for Wawanesa dental insurance?
Wawanesa dental insurance is only available through group benefits plans provided by an employer or association. Therefore, individuals cannot apply for coverage directly through Wawanesa. If you are seeking personal dental insurance because you are self-employed or do not have workplace benefits, you will need to explore other providers. It is recommended to compare individual dental insurance plans online to find a policy that fits your needs.
Are there any age requirements with Wawanesa?
There are no universal age requirements set by Wawanesa, as eligibility is determined by the specific group plan. Any age limits for employees or their dependents are established by the employer or association that sponsors the plan. To understand the specific age requirements that apply to your coverage, you should consult your benefits booklet or speak with your HR department or plan administrator for clarification.
Can members be added or removed from Wawanesa dental insurance?
Yes, eligible dependents like a spouse or children can be added to your Wawanesa dental insurance. This is managed through your plan administrator or HR department, usually during an open enrollment period or following a significant life event, such as marriage or the birth of a child. Removing members follows a similar process and is subject to the terms of your group contract.
Can I get Wawanesa dental insurance if I am self-employed?
No, Wawanesa does not offer dental insurance plans directly to self-employed individuals, freelancers, or retirees. Their dental coverage is exclusively available as part of a group benefits package sponsored by an employer or an association. If you need individual coverage, you must seek a plan from another insurance carrier that specializes in policies for individuals and families not covered by a group plan.
How do I submit a dental claim to Wawanesa?
You can submit dental claims through the Wawanesa Plan Member online portal or their mobile app, which is the fastest way to get reimbursed. In many cases, your dental provider can also submit the claim directly on your behalf through the providerConnect system. This allows for direct billing, where Wawanesa pays the dentist their portion, and you only pay the remaining balance.
How do I find out the specific details of my dental coverage?
All coverage details, including reimbursement rates, annual maximums, and waiting periods, are specific to your group plan. The best way to review your benefits is to log in to the Plan Member portal and view your benefits booklet. This document provides a comprehensive overview of what is covered. For any specific questions, your plan administrator or HR department is the primary contact.
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