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What are the different levels of cover available to me?
Because many insurance companies word their types of cover in different ways, there is no ‘one way' to explain the kinds of cover that are available to you.
What happens if I have a dental emergency?
In case of a serious dental emergency due to an accident or injury – you will always be able to receive care, as you will be covered by the NHS.
Who do I ask for advice on where to buy my dental insurance?
When you are looking for dental insurance it is well worth doing thorough research – not only to get the cheapest deal but also to make sure that you get the right policy for your needs.
What will affect my premium in future?
Premiums will always rise in line with general inflation – however there are a number of other factors that will affect the cost of your dental insurance:
Do dental insurers offer a money-back guarantee?
If you decide that you don't want to take out your dental insurance policy, you will normally be offered a money-back guarantee.

How does dental insurance work?

Dental insurance is exactly like car insurance or home insurance - it is there to support you when you need it. Once you have signed up for a policy, you will pay your premiums on a yearly or monthly basis, whichever you prefer.

If you have visited the dentist and need to make a claim to refund the costs - all you need to do is fill out a claim form and provide receipts for the treatment. You will normally need to pay for your treatment first and reclaim it in this way, although some insurers may reimburse your dentist directly.

Not all treatments will be covered - for example unless you have a higher level of dental insurance, your routine examination costs may not be covered. Another cost that is often not included in dental insurance is the cost of x-rays and other laboratory work. Before you make your claim, check that you are covered for the treatment.

Frequently Asked Questions related to the above topic.
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