What would that crown or filling actually cost you?
Some plans cover 100% of preventive care
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Best Dental Coverage in Canada 2025
Compare dental coverage across Canada's top providers. Whether you need routine cleanings, major work like crowns and implants, or orthodontic treatment (braces), find plans that cover what matters most to you.
Compare the best dental insurance plans in Canada. Get quotes from top providers including Blue Cross, Manulife, Sun Life, Canada Life, Desjardins, and more. Free comparison tool for Alberta, Ontario, BC, and all Canadian provinces.
Why Canadians Need Private Dental Insurance
Provincial Plans Don't Cover It
Dental care is not covered by provincial health plans for most adults in Canada.
Costs Add Up Quickly
Without insurance, dental expenses can reach thousands of dollars per year out-of-pocket.
Peace of Mind
Know you're protected when you need care. Get treatment without worrying about the cost.
What Dental Insurance Covers in Canada
Basic & Preventive Care (Usually 80-100% Coverage)
Essential maintenance to keep your teeth healthy
- Routine checkups and exams (every 6-9 months)
- Professional teeth cleanings and scaling
- X-rays and diagnostic imaging
- Fillings (amalgam and composite)
- Basic extractions
- Root canals (endodontics)
- Emergency dental care
Major Dental Work (Usually 50-80% Coverage)
Restorative procedures and significant dental repairs
- Crowns (porcelain, ceramic, or gold)
- Bridges (fixed or removable)
- Dental implants and implant-supported dentures
- Inlays and onlays
- Surgical extractions (wisdom teeth)
- Complex periodontal surgery
- Full or partial dentures
Orthodontics (Lifetime Maximum Coverage)
Teeth straightening and bite correction, primarily for dependents
- Traditional metal braces
- Ceramic or clear braces
- Invisalign and clear aligners
- Retainers and appliances
- Orthodontic consultations
- Some plans cover adult orthodontics
Periodontics & Specialized Care
Treatment for gum disease and supporting structures
- Deep cleaning and scaling
- Gum grafting procedures
- Bone grafts for implant support
- Treatment for periodontitis
- Maintenance after active treatment
What Dental Care Actually Costs Without Insurance
Dental costs vary significantly across Canada, but without coverage, you could pay thousands annually. Here's what typical procedures cost:
Typical Costs (Without Insurance)
Save With Private Health Insurance
With the right health insurance plan, you could save 50-100% on these costs. Most Canadians pay $50-150/month for comprehensive coverage—often less than the cost of a single visit out-of-pocket.
Ready to Compare Dental Insurance Plans?
Use our free calculator above to instantly compare coverage from Canada's top health insurance providers. Get personalized recommendations based on your specific needs and budget.
Why Dental Insurance is Essential in Canada
While provincial health plans cover medically necessary hospital and physician services, dental care is NOT covered for most adults. A single crown can cost $2,500, and orthodontic treatment for your child can exceed $8,000. Private dental insurance helps you:
• **Prevent small problems from becoming expensive**: Regular cleanings catch issues early • **Afford major work when needed**: 50-80% coverage on crowns, bridges, and implants • **Give your kids straight teeth**: Orthodontic coverage typically $1,500-$5,000 lifetime max • **Budget predictably**: Know your out-of-pocket costs before treatment
Note: While some Canadians may qualify for the [Canadian Dental Care Plan (CDCP)](https://www.canada.ca/en/services/benefits/dental.html), private insurance often provides broader coverage, more provider choice, and faster access to care.
How to Choose the Right Dental Insurance Plan
Assess Your Needs
Consider how often you'll use dental services. Past usage is the best predictor of future needs.
Compare Annual Maximums
Look for plans with coverage limits that match your expected annual costs, plus a buffer for unexpected needs.
Check Reimbursement Rates
Higher reimbursement percentages (80-100%) mean lower out-of-pocket costs for each visit or service.
Consider Total Plan Cost
Balance monthly premiums with coverage levels. The cheapest plan isn't always the best value for your situation.
Top Dental Insurance Providers in Canada
Compare dental coverage from Canada's leading health insurance companies. We help you find the best plan from these trusted providers:
Blue Cross
Comprehensive coverage across all provinces
Manulife
Flexible plans with excellent benefits
Sun Life
Competitive rates and strong network
Canada Life
Extensive coverage options
Desjardins Insurance
Strong presence in Quebec and nationwide
RBC Insurance
Banking customers get preferred rates
Dental Insurance Coverage Across Canada
Compare the best dental insurance plans available in your province and city:
Western Canada
Alberta: Calgary, Edmonton, Red Deer, Lethbridge, Fort McMurray | BC: Vancouver, Victoria, Surrey, Kelowna, Burnaby | Saskatchewan: Saskatoon, Regina | Manitoba: Winnipeg, Brandon
Central & Eastern Canada
Ontario: Toronto, Ottawa, Mississauga, Brampton, Hamilton, London, Kitchener, Windsor | Quebec: Montreal, Quebec City, Laval, Gatineau | Atlantic: Halifax, St. John's, Fredericton, Charlottetown, Moncton
đź’ˇ Coverage is available nationwide: Whether you're looking for dental insurance in Alberta, Ontario, BC, or any Canadian province, our comparison tool helps you find the best plan. All major cities and rural areas are covered by the providers we compare.
Dental Insurance FAQ: Common Questions About Coverage in Canada
How much dental coverage do I need?
Most Canadians benefit from plans with at least $1,500-$2,000 annual maximum for combined basic and major work, 80-100% coverage on preventive care, 50-80% on major procedures, and $2,000-$5,000 lifetime orthodontic coverage if you have children. Use our calculator to find plans matching your specific needs.
What's the difference between basic and major dental?
Basic dental includes routine maintenance like cleanings, fillings, and simple extractions—typically covered at 80-100%. Major dental covers restorative work like crowns, bridges, implants, and dentures—usually covered at 50-80%. Plans vary, so compare coverage levels carefully.
Do dental plans cover orthodontics for adults?
Some plans do! Traditional dental insurance often limits orthodontics to dependent children, but many newer plans include adult orthodontic coverage. Lifetime maximums typically range from $1,500-$5,000. Check plan details for eligibility.
What's the difference between the CDCP and private dental insurance?
The Canadian Dental Care Plan (CDCP) is a government program for uninsured Canadians with household income under $90,000. Private insurance typically offers: higher coverage limits, no income restrictions, more provider choice, coverage for cosmetic procedures, and immediate eligibility (no waiting periods for existing conditions).
Are there waiting periods for dental insurance?
Yes, most plans have waiting periods: typically none for basic/preventive care, 3-6 months for major work, and 9-12 months for orthodontics. Some plans waive waiting periods if you have proof of prior continuous coverage.
Can I use any dentist with dental insurance?
Most health insurance plans in Canada allow you to visit any licensed dentist—there are no restricted networks. Your plan will reimburse based on provincial fee guides or the plan's schedule of benefits. Some dentists may charge above fee guide rates.
Ready to Find the Best Dental Insurance Plan in Canada?
Get a free, personalized quote from Canada's top health insurance providers. Our AI-powered comparison tool finds the best dental coverage for your needs and budget—in under 2 minutes.
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