Wondering if your dental plan will cover treatment for an issue you already had before signing up? That’s where pre-existing conditions come in — and coverage varies by plan.
Here’s what to know about how insurance handles pre-existing dental conditions in Canada:
🦷 What Is a Pre-Existing Dental Condition?
Any dental issue (like a cavity, missing tooth, or gum disease) diagnosed before your insurance coverage began is considered pre-existing.
📄 Are They Covered?
It depends on your plan. Some insurance policies:
- Include waiting periods for major treatments (e.g., crowns or implants)
- Exclude coverage for conditions that existed before enrollment
- Require proof the condition worsened after coverage started
Preventive care and basic services (like cleanings and exams) are usually covered right away.
✅ What You Can Do
- Ask your provider if pre-existing conditions are excluded
- Submit a pre-treatment estimate to confirm what’s covered
- Discuss phased treatment options with your dentist
Not Sure What’s Covered?
We can review your plan, help you understand your options, and work with your provider to find the best path forward.