Am I covered by travel insurance if I need to see a dentist?

For pain relieving emergency dental treatment while travelling (that is not pre-existing), there’s cover if you need to go to a dentist .

What’s covered

Your policy can cover your dental costs for immediate pain relieving treatment up to the limit shown on the summary of cover, which the dentist confirms in writing and is solely required for the immediate relief of sudden and acute onset of pain.

What you need to do if a dental emergency happens:

  • Call the 24/7 Emergency Assistance team for advice on your dental condition or if you need directions to the nearest or most suitable dentist
  • Go to a licensed dentist for the emergency dental treatment you need.
  • You should pay the dental bills yourself then make a claim online once all your treatment is finished.
  • There is a USD$100 policy excess deducted per person, per claimable event

What’s not covered

  • Dental treatment which can wait until your return home.
  • Dental treatment not required for the immediate relief of acute pain
  • Any dental expenses considered a pre-existing medical condition or related to a pre-existing condition, which include conditions which are chronic or ongoing or where symptoms have appeared, you are aware of or where treatment has been received or surgery performed prior to your policy commencement date (and/or prior to a new extended period of insurance).
  • A dental condition for which advice, treatment or medication has been prescribed by a dentist within 180 days before you purchased your policy.
  • Any dental expenses in your home country.
  • Any other reason listed under the General Exclusions in your policy wording.

This is only a summary of cover and does not include the full terms and conditions, exclusions and limitations of the policy. You should read your Policy Wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it.

If you have any questions, please get in touch.


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