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Dental Insurance Decrease Your Dental Costs

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Visiting the dentist can be a terrifying experience even without factoring in the impact on your wallet. While NHS treatment can be the cheapest option, finding a dental surgery that will take you as a patient can be tricky.

If you are considering alternatives to the NHS, the cost of treatment can be eased with dental insurance. This guide will help you find the best cover without breaking the bank.

Dental insurance: The basics

Dental insurance covers the cost of regular dental treatment, emergencies or other serious dental problems regardless of whether you are a private or NHS patient. Regular treatment includes fillings or scalings, and anything that is not serious and carried out by a dentist or a hygenist.

Emergency dental usually includes a treatments where you are suffering from acute, sharp pain or swelling, such as an infected tooth or an accident that requires immediate attention. Other serious dental problems, meanwhile, can include treatment of abcesses or cysts.

Quick questions:

Do I need dental insurance?

Isn't it cheaper to get treatment through the NHS?

What are the alternatives to dental insurance?

Getting insurance and using the NHS arent your only options. Before you decide on dental cover consider all the alternatives available.

Private healthcare is an expensive alternative

Self-insure. Regularly save rather than pay an insurer

Use a healthcare cashplan

Dental tourism. For major treatment consider going abroad

Get cover through your dentist

Dental insurance may be available via your employer

Dental Insurance: Best buys

There are many different plans to choose from, and premiums vary widely. As it depends on family size, and the level of cover you want, there's no one cheapest. Bupa, Dencover, Axa and WPA and Denplan are some of the main providers to check for a quote. Cover is also available from Boots and IndepenDent also offer cover.


BupaMonthly fee set by the insurer

  • Two levels of cover available
  • Sum insured limit (per year) is applied per section
  • Routine treatments such as scale and polish covered immediately
  • You need to pay the dentist and submit a claim
  • Up to six month waiting period for some treatments

WPA From £10.25 per month

  • Offers two level of NHS Top-Up providental cover
  • Cover also available via the Individual/Family health plan
  • You can choose your dentist
  • You need to pay the dentist and submit a claim (for the cost)
  • One month qualifying period applies for check-ups/hygienist.

Dencover*From £4.99 per month

  • Five levels of cover available
  • Good range of limits (per member/per policy year)
  • Treatments such as scale and polish covered immediately
  • Not all the cost is reimbursed 100%
  • Varying qualifying periods (Up to three months)
  • You need to pay the dentist and submit a claim

Axa From £9.95 per month

  • Two levels of cover available (Core & Premium)
  • Cover applies worldwide
  • Premium has a £250 per claim limit for fillings, crowns, bridges
  • You need to pay the dentist and submit a claim
  • One to three month qualifying period applies

DenplanMonthly fee set by the dentist

  • A range of different levels of cover available
  • Dentist arranges re-imbursement directly with Denplan
  • Cover only available via your dentist
  • Fee can change at the discretion of your dentist
  • Can be more expensive than pay and reclaim cover
  • Some plans exclude the cost of fillings, root canal or crowns

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