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Find Out How to Get a Dental Insurance Quote

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Provincial health insurance plans in Canada do not provide dental coverage to most Canadian residents. As a result, many people choose to purchase an individual dental insurance plan to get the coverage they need for routine and emergency dental care.

While there are many factors to evaluate when choosing a plan for you and your family, cost is often one of the most important considerations.

There are a variety of ways you can get a dental insurance quote to help make your decision easier. What’s the most efficient way to get the coverage you need at a price you can afford?

Start with learning how to get a dental insurance quote!

Get an Online Dental Insurance Quote

The Internet makes obtaining dental insurance quotes easy. To get an online quote, go to the insurance provider’s website. You will be prompted to answer a variety of questions about yourself and anyone else who will be on your plan. It is important that you answer these questions accurately because the information you provide will be used to generate your dental insurance quote.

By all means, conduct initial research online, but know that the language of insurance is often somewhat complicated. Without a thorough understanding of the terms and terminology, it’s hard to make an “apples to apples” comparison of various dental insurance coverage plans. To ensure you are purchasing the coverage that best suits your needs, speaking with a representative is highly recommended.

While getting online quotes may seem easy at first, it can also be time-consuming if you need pricing for multiple plans, because you will have to answer the same questions on each provider’s website. In addition, some insurance carriers do not give online quotes, so your selection is more limited when you shop exclusively online.

At the same time, most if not all, do not offer stand-alone dental insurance. Instead, it is combined with other types of coverage, such as extended healthcare or prescription drugs. If you don’t have health coverage, this combined health and dental insurance approach may be beneficial.

However, if you already have health insurance coverage through your spouse’s employer, for example, this poses a problem. Without coordination of coverage, you could end up paying for insurance you already have, leaving less room in the household insurance budget to purchase the dental coverage you need. Coordinated benefits help fill gaps in coverage, or top up existing group plan benefits.

This level of benefit sophistication will be very difficult to achieve through an online form. An insurance broker is your best bet to better understand how coordination of benefits can work for you.

Call the Insurance Providers Directly

If the provider of the plan you are interested in does not provide online quotes, or you would prefer to speak with a representative to get additional information, you can call the insurance carrier for a quote. You’ll be well advised to keep detailed notes, because there are dozens of insurance carriers in Canada.

A representative will ask you a series of questions to give you an accurate estimate of what you can expect to pay. After you have answered all the questions, the representative will either provide you with a dental insurance quote immediately or call you back with the price.

While speaking with a representative can be helpful, especially if you have questions, making multiple phone calls to different providers can take a while. Furthermore, some insurance carriers do not sell directly to the public, and instead make their services available only through insurance brokers, so you could be missing out on Canada dental insurance plans that meet your needs.

When it comes to choosing dental insurance benefits, your best choice is working with an insurance broker who specializes in this type of coverage.

Choose to Work with an Insurance Broker

If you want multiple quotes for different dental insurance plans, one of the simplest ways to get the information you need is to contact an insurance broker. Insurance brokers are knowledgeable about the options available on the marketplace, and they have access to plans that aren’t available to the public. In addition, most brokers work with multiple insurance providers to give you access to a variety of different plans.

When you contact an insurance broker, a representative will gather all the information required to generate an accurate quote. But because a broker has access to plans from different insurance providers, you only have to give your information once, making the process quick and simple. Based on their industry knowledge alone, an insurance broker will be able to narrow down the insurance company options at the outset, based on your coverage needs.

Working with an insurance broker enables you to get quotes for dental insurance plans from multiple providers, making it easy for you to compare plans to find the one that is right for you and your family. And if you have questions, a representative from the insurance broker’s office can get you the answers you need.

It doesn’t have to be difficult to obtain dental insurance in Canada. With one call to one of our knowledgeable customer service agents, you can be on your way to getting the dental coverage you need in no time. Contact us today to get started.

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