I need treatment but only took out the policy a few weeks ago - can I make a claim?

It is an industry standard for dental insurance companies to deny you full cover for the first 3 months of your insurance plan.

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What is covered by dental insurance?
Dental insurance is designed for people aged over 18 that cannot get free NHS dental treatment. The following incidences are generally covered:
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.
How long does it take to settle a dental insurance claim?
If your claim is simple and straightforward than others – you can expect your claim to be settled within 10 working days.
Is there a maximum payout per year?
All dental insurance policies set a maximum payout per year on their policies. Every insurance company varies and you will need to look at your individual policy in detail to find this out.
What do I do if I have a complaint?
If you have a problem with any part of your cover then the first course of action is to speak to your insurer or your broker.
With some companies, this can be as long as six months. However, it is always worth checking with your policy provider whether you are eligible to make a claim.

Cover for dental emergencies does not require such a long qualifying period. Most policies allow you to claim on a dental emergency after just 14 days.

Frequently Asked Questions related to the above topic.
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