While the Government of Canada has focused on healthcare insurance, dental treatments were not provided. But, the landscape is changing as the government has also introduced dental insurance plans.

You can choose from the best dental insurance in Ontario or opt for government-funded programs. Our dentists in Kitchener have created a complete guide to help you understand what options you have.

Top 5 Dental Insurance Plans in Ontario to Choose From

To select the best dental insurance in Ontario, it is crucial to go through the various dental insurance plans that you have at your disposal.

Some of these options include the following:

Option 1: Sun Life – Best Dental Insurance Ontario for Adults

Sun Life is one of the top dental insurance plan providers in Ontario. It is also known for offering some of the best dental insurance for adults.

You can access dental coverage by choosing one of the PHI plans. Depending on the plan you choose, you can gain full or partial coverage.

Even the government-funded dental care program in Canada, known as the Canadian Dental Care Plan, is administered by Sun Life on behalf of the Canadian Government.

You can review Sun Life's various dental insurance plans to determine which one might suit your needs.

Option 2: Manulife Dental Insurance – Best Dental Insurance Ontario for Seniors and Kids

Our oral health starts deteriorating as we age, and having the best dental insurance in Ontario can help you cut costs. Manulife Dental Insurance is a great option for dental insurance in Ontario for seniors.

This is because some of the plans offer additional dental coverage if you are over 65 years old. On the other hand, if you are a family of three or more children, you get the insurance at better rates.

We recommend that you review the various dental insurance plans offered by Manulife to determine which one offers the best coverage.

Option 3: GreenShield Canada – Best Dental Insurance Ontario for Flexible Coverage

GreenShield Canada has partnered with various organizations to ensure Canadians have access to free, high-quality dental care when needed. Depending on your requirements, you can choose from individual or group dental coverage.

You can also access additional dental and health coverage depending on your chosen plan. You can review all the coverage options for families and individuals before deciding on the one that suits you best.

Option 4: CAA – Best for Customizable Dental Insurance in Ontario

CAA is known for creating customizable plans for anyone who requires the best dental insurance in Ontario. You can contact them to create a personal dental insurance plan for you and your family.

They also have licensed life insurance advisors to help you with your needs. Be sure to contact them to determine whether they can meet your dental insurance needs.

Option 5: Ontario Blue Cross – Best for Affordability

Ontario Blue Cross offers the most affordable dental insurance in Ontario for anyone on a budget. It will cover common dental procedures and oral surgery that OHIP might not cover.

The best part about Blue Cross dental insurance plans is that they don’t have a deductible. This means that your coverage will be ideal for anyone who doesn’t have group insurance.

How to Find the Best Dental Insurance in Ontario

Now that you know some of the best dental insurance plans, it's important to know how to find the best dental insurance in Ontario.

No two plans are the same, so it is important to compare various factors before choosing the right dental coverage for you or your family.

Here are the top tips by our expert dentists in Kitchener to help you find the best dental insurance in Ontario:

1. Check the Dental Coverage in the Insurance Plan

One of the top factors to check is the dental coverage in the insurance plans. It is not necessary that everything will be covered in the plan, as it becomes costly the more coverage you have.

Here are some of the top things that may or may not be included in your dental coverage in Ontario:

Preventive dental care: Most plans cover this, which includes fluoride treatments, x-rays, cleanings, and routine checkups.
Basic restorative care: This includes crowns, bridges, fillings, and more. However, the coverage may be partial or full.
Major restorative care: This includes implants, root canals, and dentures. The level of coverage will vary based on the plan.
Orthodontic treatments: Orthodontic treatments such as braces and more can be partially covered for kids. The insurance plan will determine the coverage level.

The best dental insurance in Ontario will try to cover most of these items. Before you consider a plan, we recommend reading in detail what items it will cover.

Our professional dentists in Kitchener also recommend that you prioritize preventive care in coverage by choosing a plan that covers frequent cleanings and checkups.

However, if you have existing dental issues, you will require an extensive dental plan to meet all your needs.

2. Compare the Costs of Various Dental Insurance Plans

Budget is one of the most important factors for anyone looking for dental insurance in Ontario. Most of these plans are combined with health insurance.

Insurance premiums vary widely, as various factors are taken into account when determining the premium. These include the location, age, coverage level, and deductibles.

On the other hand, there is also a waiting period before dental coverage begins kicking in. For example, six months is the most common waiting period for basic cleanings and exams.

There are options for no-waiting-period dental insurance in Ontario, but they are more expensive. So, it is best to assess the full costs of these plans before you decide which one to opt for.

3. Ask About Any Limitations and Exclusions

Finally, whichever dental insurance plan you choose, you must ask about any exclusions or limitations beforehand. This will let you know if your coverage is limited in any way.

Many insurance providers may not mention these exclusions explicitly, which is why it is always better to ask and have complete information before signing up.

Alternatives to the Best Dental Insurance in Ontario: Financing Options at KWC Dental

If you can’t afford dental insurance plans in Ontario and still require necessary dental treatments, you can opt for various financing options our dentists in Kitchener offer.

At KWC Dental, we offer various financing options that people can choose from. This will allow you to get affordable dental care that will not put a dent in your pocket.

Let’s review some of the top options you can choose from:

1. Dentalcard

Dentalcard offers easy, quick, and affordable dental financing to everyone. You can choose from flexible plans and opt for affordable monthly payments.

They offer some of the top dental loans in Canada to help you pay for necessary dental expenses. These loans have a high approval rate, and you don’t have to pay anything upfront.

Our dentists in Kitchener recommend this option for people who can’t afford the best dental insurance in Ontario but want treatments. For more information, you can visit their website and apply for financing for your dental treatments.

2. Student Insurance

If you are a student but still need dental coverage, student insurance is the best option. KWC’s dental clinics are located near universities, and you can easily access them through public transit.

We offer student insurance to students of the University of Waterloo, Wilfrid Laurier, and Conestoga College. Our clinics can provide more information about the best dental insurance in Ontario for students.

3. Government-Funded Dental Care in Ontario

Finally, you can also opt for government-funded dental care in Ontario to benefit from dental services without putting a big dent in your pocket.

Canada Dental Benefit and the Canadian Dental Care Plan are two relatively new plans that offer dental coverage for adults, seniors, and kids under 12. Be sure to check the eligibility criteria to determine whether you can opt for such dental care in Ontario.

FAQs

Who offers the best dental insurance in Canada?

Sun Life, Manulife, GreenShield, Blue Cross, and CAA offer the best dental insurance in Ontario. You can select the one you think suits your needs best.

How much is dental insurance in Ontario per month?

On average, the most basic and individual dental insurance plans in Ontario can be anywhere from $40 to $80 per month. The actual cost will depend on the insurance provider and specific plan.

Is it worth to buy dental insurance in Canada?

Dental insurance can help you lower many of the costs you may have to pay for emergency or routine dental care. Insurance plans enable you to get the treatment you need without paying high costs.

What is the most common form of dental insurance?

Private dental insurance is the most common form of dental insurance in Canada. However, the government has now introduced the Canadian Dental Care Plan and Canada Dental Benefit to allow the public to have access to affordable dental care.

Contact our Dentists in Kitchener for Affordable Dental Treatments

Whether you have government-funded dental care in Ontario or private dental insurance plans, you can opt for our dentists in Kitchener to ensure the best treatment for your teeth.

We accept the best dental insurance in Ontario, so you can benefit from affordable dental care. For more information, please feel free to contact our dental clinics in Ontario.

How to Choose the Best Dental Insurance in Ontario: Tips by Our Dentists in Kitchener