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Dental Insurance

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It is important to look after the dental health of you and your family, but this can be expensive. It may be cheaper to purchase a dental insurance policy to help cover the costs of dental care.

Dental Insurance coverage for individuals or families offers protection against dental costs. It insures against the expense of dental treatment and care, as well as covering dental disease and accidental damage to teeth. Dental insurance is an affordable way to cover dental costs and can give you the option of choosing either an NHS or private dentist.

Quotezone doesn’t currently offer a comparison service for dental insurance but, in order to help you make the right choice we have a number of partners listed below who specialise in this area.

Dental Hygiene and Dental Therapy degree to launch in September 2025

Dental Hygienists provide advice on prevention such as diet analysis, oral hygiene education, and smoking cessation. They also undertake treatments to prevent oral diseases such as applying Fluoride or fissure sealants and diagnose/treat gum disease.

www.hud.ac.uk/news/2024/november/dental-hygiene-therapy-degree-launch-2025

University of Huddersfield

See what Huddersfield has to offer by attending our campus or online Open Day. Discover research with real global impact at the University of Huddersfield. Simply complete our form to receive your prospectus through the post. The awards we’ve won don’t just make us feel proud.

www.hud.ac.uk

myday

myday is an online platform that provides access to various academic and career resources for students at the University of Huddersfield.

myhud.hud.ac.uk

Health Professions, Social Care and Social Work – University of …

From nursing to social work, and from podiatry to operating department practice, we offer a range of courses to help you get started in your chosen career. They’ll give you the chance to develop the knowledge and practical experience you need.

www.hud.ac.uk/subjects/health-professions

Michelle Williams – University of Huddersfield Research Portal

Combined Diploma in Dental Hygiene and Dental Therapy, University of Liverpool – Award Date: 5 Jan 2009. Clinical Lecturer in Dental Therapy, University of Liverpool. 6 Jan 2021 → …

pure.hud.ac.uk/en/persons/michelle-williams

Course Finder – University of Huddersfield

Search our course pages for undergraduate, postgraduate and research courses at the University of Huddersfield

courses.hud.ac.uk

Advanced Clinical Practice MSc – University of Huddersfield

This Health Education England accredited course consists of theoretical and clinically focused modules that enable you to meet the four pillars of professional practice – clinical practice, leadership and management, education and research.

courses.hud.ac.uk/part-time/postgraduate/advanced-clinical-practice-msc

NHS dental professionals' evaluation of a child protection learning …

The aim of this survey was to evaluate the impact of an educational child protection resource which had been developed and made available, free of charge, to all NHS dental practices and salaried primary dental care services in England and concurrently published online.

pure.hud.ac.uk/en/publications/nhs-dental-professionals-evaluation-of-a-child…

Operating Department Practice BSc(Hons) – University of Huddersfield

On our Operating Department Practice BSc (Hons) course, you’ll benefit from a strong grounding in the theory, exploring what’s involved in the three, interconnected aspects of the role: anaesthetic, surgical and post anaesthetic.

courses.hud.ac.uk/full-time/undergraduate/operating-department-practice-bsc-hons

Find Dental Insurance in the UK


What is dental insurance? 

Dental insurance helps cover the cost of dental care and can help to make treatments more affordable. Usually, you will pay your dentist upfront for any treatment you get and then make a claim for the money back from your insurer afterwards. This type of insurance can cover routine dental care like check-ups and X-rays. It can also help with restorative work such as fillings. 

Keep in mind that dental insurance won’t cover treatments your dentist said you needed before you signed up. So before you join, it’s crucial to understand what your policy covers and what it doesn’t. 

Is dental insurance worth it in the UK? 

You might be wondering if dental insurance is really necessary in the UK, especially with NHS dental services available. The truth is, for many, dental insurance can be a huge money saver. 

Even with NHS dental care, the cost of extensive work can run into the hundreds. And NHS dentists are now becoming more difficult to find, with many rarely accepting new patients.  

This leaves a large portion of people in the UK registering with private dental practices to get the care they need. The UK private dental industry is regulated for treatment, but not prices. This means prices are set by each dental practice. So, these typically come with higher fees that vary significantly.

Types of dental insurance plans 

There are different types of dental insurance plans in the UK, and choosing the right one depends on your needs. Some of the main options include: 

1. NHS-only Plans

These plans cover NHS treatments, helping with the cost of routine care like check-ups, fillings, and extractions.

2. Private Plans

These give you access to private dental care, which typically offers shorter waiting times and a wider range of treatments, including cosmetic procedures. 

3. Mixed Plans

A blend of both NHS and private coverage. You get the best of both worlds—routine NHS care and private treatment for more complex procedures. 

How does dental insurance work? 

Getting money back from your dental insurance is fairly straightforward. After you see the dentist, you’ll need to send in a claim form (which can normally be done online). You also have to include a receipt from your dentist.  

The insurance company will look at your claim. If they say yes, they’ll pay you back for what they cover. Some insurance companies might even pay your dentist right away. This means you don’t have to pay upfront for expensive dental work. 

Remember, for some dental treatments, you might need to get the okay from your insurance company first so it’s always a good idea to check with them before you go ahead with any big dental procedures. 

What does dental insurance cover? 

Common treatments covered by dental insurance 

Each dental insurance plan is different and so what they cover won’t be the same for every policy. However, you will often find a standard insurance plan will cover the following:  

  • Regular check-ups and cleaning 
  • Some NHS treatments like fillings and crowns 
  • Dental emergencies and accidents 
  • A one-off payment for mouth cancer 
  • Root canals  

If you need more advanced care like orthodontics or dental implants, some plans might offer partial coverage.  But this varies between providers, so always read the small print to see exactly what your plan covers. 

Limitations and exclusions in dental insurance 

Each policy will be different and have different limitations and exclusions so it’s always worth checking the fine print carefully before you buy. In general, the following treatments tend to not be covered by your standard dental insurance:  

  • Initial claim-free period: Most providers will have a period of time (usually around 3 months) when you won’t be able to make a claim unless it’s for a routine checkup.  
  • Pre-existing dental problems: You often won’t be covered for any problems you or your dentist were already aware of before you got the insurance.  
  • Cosmetic work: Things like teeth whitening, braces (unless they are part of necessary NHS treatment) or any other treatments that aren’t considered as clinically necessary often won’t be covered.  

How much is dental Insurance in the UK? 

The cost of dental insurance in the UK, like any other insurance policy can vary widely depending on the level of coverage you go for. The cost of your plan will also depend on factors like age, dental health, and whether you opt for private or NHS coverage. To get accurate costs for your dental insurance needs, you can get personalised quotes from insurers. 

Dental Insurance FAQs

How can I find the best dental insurance plan?

Comparing quotes from different providers can help you when you’re looking for the best options for your needs. Look for a plan that balances coverage for the treatments you need, without paying too much for unnecessary extras. 

Does standard health insurance cover dental?

No, most standard health insurance policies don’t cover dental treatments. Dental insurance companies sell dental insurance just for dental care. If you want broader health coverage that includes dental, some insurers offer combined plans, but these aren’t as common. 

What are the main benefits of having dental insurance?

The main advantages of dental insurance are: 

  • Reduced costs for regular and emergency dental procedures. 
  • The option to spread the payment for care instead of facing big bills right away. 
  • Getting private dental care without NHS wait times. 

Will I lose my NHS dentist if I go private?

No, choosing private dental insurance doesn’t mean you’ll lose your NHS dentist. You can still see your NHS dentist for standard treatments while using your insurance to get extra private care. 

What is the difference between dental insurance and health insurance?

Dental insurance aims to cover dental treatments, while health insurance takes care of medical care for illnesses and injuries. These two types of insurance are separate, though some providers might offer combined plans. 

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