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.

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What exactly is dental insurance?
Dental insurance covers you against the cost of all dental treatment – depending on the level of cover you choose to take out.
What is not covered by dental insurance?
Dental insurance is a good all-encompassing policy, and does not have many exclusions. However, here are a few pointers worth remembering:
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.
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.
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.
However emergencies such as a serious toothache requiring an extraction or more detailed work will cost you dearly if you do not have dental insurance.

If you need urgent dental treatment then you can arrange the treatment as normal, and pay the dentist for the treatment. You will then claim the cost of the treatment back from your dental insurance company.

The advantage to dental insurance in an emergency situation is that you don't need to worry about the cost of any of the treatment. For example, if teeth need replacing or other cosmetic work needs to be carried out, you may find that you can't afford the cost of the treatment without insurance. With insurance - you can go ahead with all the treatment that's needed.

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