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

Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.

What’s covered

Your policy can cover your dental expenses related to immediate pain relief only. This means the treatment is limited to the immediate relief of sudden and acute pain and will not include such things as general check-ups, replacement fillings or major dental work.

What you need to do if something happens:

  • Call our 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 the dentist for the emergency dental treatment you need and obtain written certification from the dentist that the treatment was immediately required.
  • Confirm that the dentist treating you is registered and licensed to treat you in the local country.
  • You should pay the dental bills yourself and then make a claim online once all your treatment is finished or once you return home.

What’s not covered?

Here are the main things that aren’t covered:

  • Dental treatment which can wait until your return home.
  • Dental treatment which is not considered urgent or for the treatment of pain relief. This may include: general check-ups, replacement fillings, crowns, bridges and any other major dental work.
  • Pre-existing medical conditions, which is any dental condition or related complication where you’ve seen a medical practitioner, dentist or a chiropractor within 180 days before you purchased your policy, started your trip, extended your policy or resumed your trip.
  • Any dental expenses incurred after you return to your country of residence.
  • Anything else that’s listed in the General Exclusions and the Specific Exclusions in the policy wording.

The policy isn’t designed to cover everything. Take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details. If you have any questions get in touch.

Related Articles

View more

Can't find the answer you are looking for?

Contact us

Our contact details

We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us


For policies purchased on or after 1 November 2018:

0800 260 5081

+353 21 237 8000


For policies purchased before 1 November 2018:

0330 660 0738

+44 (0) 330 660 0738