Get Protected: 11 Incredible Full Coverage Dental Plans in Ontario

Posted on April 12, 2019

General oral care is not under the Canada Health Act. Everyone needs oral care, but where can we turn to?

If you are at a loss for finding full coverage dental plans, have no fear. We've compiled the best 6 options for you to choose from.

Wait, I am New to Canada What Does the Canada Health Act Include?

If you just moved to Canada, we want to say congratulations on your new life. With this life, you will find out that you will have health insurance. This health insurance has 5 main principles including:

1. Public Administration

All provincial health insurance will be required to be carried out on a non-profit basis by public authority.

2. Comprehensiveness

All necessary health services including the following must be insured:

  • Hospitals
  • Surgical dentists
  • Physicians

3. Universality

All residents are entitled to the same level of care as one another.

4. Portability

If you relocate to a different territory or province, you will still have coverage from your home province during the waiting period.

Please note that this will also apply if you relocate out of the country as well.

5. Accessibility

Everyone should be able to access any health care facility with ease.

6 Full Coverage Dental Plans

Now that you are more aware of the Canada Health Act, we can go on to provide you your best options for full coverage dental plans.

1. Flexcare Health & Dental Insurance

Flexcare Health & Dental Insurance is for those who are over the age of 65.

This plan is also a health plan as well. It's affordable and has many benefits including:

  • Earn AIR MILES
  • Can submit your claims online
  • Flexible payment options
  • Special discounts for bigger families

However, if you are looking just for the dental portion, they have two plans known as the DentalPlus Basic and DentalPlus Enhanced.

These plans will not cover prescription drugs, but they do have a vision and extended health care embedded in them.

Dental Plus Basic

For Dental Plus Basic, it will cover $525 for the first year. It will then cover $750 for the second year.

As we previously stated, they do have a vision, which is up to $250 for 2 years. They also have extended health care, which maximizes at $250,000 for the lifetime.

DentalPlus Enhanced

For Dental Plus Basic, it will cover $840 for the first year. It will then cover $920 for the second year.

As we previously stated, they do have a vision, which is up to $250 for 2 years. They also have extended health care, which maximizes at $250,000 for the lifetime.

2. Blue Cross Ontario

Blue Cross Ontario knows that you need regular dental checkups as it is vital to your overall health.

They are not just for adults like many people seem to believe. They are for all ages.

They have affordable and flexible plans, so families no longer have to worry about paying tons of money that they don't have. Their plans currently start at $64.45 a month.

Blue Cross Ontario does not have any deductibles, which is great for those who don't have a ton of money to spend on unexpected oral problems or for those that are self-employed.

3. CAA North & East Ontario

CAA North & East Ontario is great with their dental plans. They understand that not everyone can afford one. If you live paycheck to paycheck or self-employed the cost of insurance can be detrimental to your budget.

However, CAA allows you to design a plan based on your budget and your needs.

4. The Great West Life

The Great West Life is a great insurance plan as it covers what your provincial health care plan does not.

There are many benefits you will see from this plan including:

  • Coverage for any unexpected medical emergencies
  • Plans include comprehensive coverage
  • No overall lifetime plan maximums
  • No worries about Pre-existing medical conditions disqualifying you
  • No medical examination required

There are two different plans you can choose from depending on what stage you are in your life.

Sonata Health

The Sonata Health plan is also a health and dental plan. This plan is designed for people who are looking to have full coverage for themselves and their families.

This health plan will cover things your provincial health plan does not.

Within the Sonata Health, you can choose from three plans that can fit your needs. The plans are Core (everyone can get accepted in this one), CorePlus, and CoreElite. All plans include varying levels of dental care, prescription drugs, and vision care.

However, you can also add on the following options to these plans as well.

  • Accidental death, dismemberment, and specific loss benefits
  • Cash benefits while you’re in the hospital
  • Coverage for hospital accommodations
  • Emergency travel medical
  • Major dental services and supplies (only valid for the Core and CorePlus plans)


For starters, the PlanDirect plan is the gap filler between what your provincial plan covers and what you pay out of pocket.

The PlanDiret also has dental and health benefit plans. However, different from the Sonata Health plan this is geared towards people who are either leaving their job or retiring from their job.

You do not need to undergo a medical exam to be accepted for PlanDirect. Pre-existing medical conditions are not an instant disqualification.

With PlanDirect, there is no lifetime maximum either.

PlanDiret has three different plans you can choose from including the Basic, Comprehensive, and Premier.

You can add on the following options to these plans as well.

  • Accidental death and dismemberment
  • Cash benefits while you’re in the hospital
  • Emergency travel medical
  • Major dental coverage

5. CCV

CVV understands that finding an affordable full coverage dental plan can be a daunting task.

You can find a CCV health and dental insurance policy that will fit your needs and will fit your budget.

It doesn't matter if you need a little bit of dental work or an extreme amount of dental work.

They will include the following:

  • Orthodontic services
  • Basic
  • Periodontal
  • Major
  • Endodontic

6. Canada Protection Plan

The Canada Protection Plan also known as CPP offers a wide variety of dental and health insurance plans.

Their plans are special in the sense that they will not require to undergo a medical exam, medical questionnaire, as long as you are applying under 60 days from your other insurance ending.

The Canada Protection Plan offers three levels of plans.


With FlexCare, you can choose from the following options:

  • Basic prescription drug plan
  • Enhanced prescription drug plan
  • Basic dental plan
  • Enhanced dental plan
  • Combo with dental and drugs

With FlexCare, you can also add on things such as hospital coverage and vision.


The FollowMe plan is great if you lost your coverage, leaving your job, or you are retiring.

With the FollowMe plan, you will not have to undergo a medical questionnaire. You will be accepted for this plan as long as you applied within 2 months after your other insurance ended.

You will have four different coverage levels to choose from when it comes to hospital benefits, vision care, prescription drugs, and dental care.

Association Health & Dental

This plan is more for small to medium sizes businesses or corporations.

You will have the option to choose from 8 different plans.

The plan covers the following:

  • Dental care
  • Hospital coverage
  • Prescription drugs
  • Vision care

Is It Worth to Have a Dental Plan?

Every year, Canadians as a whole spend over $12 million dollars in dental care alone.

The average person in Canada will spend nearly $2000 in health care costs alongside another $4000 in private insurance premiums as well.

The cost of a dental plan is ideal, whether you need maintenance or extensive work done to your teeth. Most full coverage dental plans also offer health insurance plans that will cover items that your provincial health coverage does not. This can be helpful in case of any unexpected medical emergency ever arises.

Get Dental Insurance Quotes From Canada’s Top Providers Now

Now that you know some of the great full coverage dental plans, it is time to choose which one will be right for you in terms of coverage and pricing.

Keep in mind, that many of these plans are customizable meaning you can add and take off items that will help make it fit into the budget you are looking for.

However, if you are looking for the best rates in town from providers like we have talked about today, you will want to request your quote today! We have some of the best competitive pricing on the market.

Next Post:
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram