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

Am I covered if I need to see a dentist?

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

What’s covered if I need to see a dentist? 

Your policy can cover your emergency dental treatment for accidental injury to sound, natural teeth, provided the injury and treatment take place during the trip. This means the insurance will not cover such things as general check-ups, replacement fillings, repairs to previously restored teeth, or major dental work that is not emergency related.

How much you can claim if you see a dentist?

You can claim up to $750USD per person under the Standard or Explorer plan for your emergency dental treatment due to accidental injury.

What you need to do if something happens:

  • Call the Emergency Assistance service before seeking medical attention.
  • Go to a dentist for the emergency dental treatment you need.
  • Confirm that the dentist treating you is licensed to treat you in the country where you are traveling. The Emergency Assistance service can help you find a dentist if necessary.
  • You should pay the dental bills yourself, then make a claim online once all your treatment is finished.

What’s not covered?

The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the policy wording for full details.

Here are the main things that aren’t covered:

  • Dental treatment which can wait until your return home
  • Damage to dentures, dental prostheses, crowns, or bridges
  • Teeth previously restored with a crown, inlay, or porcelain restoration or treated by endodontics, except amalgam or composite resin fillings
  • Any treatment which is related to or caused by a pre-existing medical condition (learn more here)
  • Any dental expenses incurred after you return home
  • Anything else that’s listed in the Limits and Exclusions in the policy wording

 
This is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. This way there are no surprises if you do need to use it. If you are unsure, contact us for help.

Last updated: Dec 05, 2022 11:18 PM