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What you need to know
Most travel insurance policies will cover dental expenses.
Travel insurance only covers medically necessary dental treatment – no routine check-ups or elective treatments.
You can get policies that cover dental from $2.40 per day.
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Cover for emergency overseas dental treatment on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function.
Cover for emergency overseas dental treatment on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function.
Cover for the cost of overseas emergency dental treatment following infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.
Cover for the cost of overseas emergency dental treatment incurred which the treating dentist certifies in writing is for the relief of sudden and acute pain to sound and natural teeth.
Cover for the cost of overseas emergency dental treatment following infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.
Cover for the cost of overseas emergency dental treatment following infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.
Cover for emergency dental expenses incurred following an injury to sound and natural teeth caused solely and directly by eternal and visible means as a result of an Accident and which does not result from an illness or disease, but not treatment that can be delayed until You return to Australia.
Cover for emergency overseas dental treatment on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function.
Cover for emergency dental treatment to relieve sudden and acute pain or if natural teeth, replacement teeth or dentures have been damaged during your journey as a result of an injury.
Cover for dental treatment expenses you incur arising from an injury to healthy natural teeth and which cannot be delayed until your return to Australia.
Cover for the usual and customary cost of emergency dental treatment provided outside Australia by on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function.
Cover for cost of emergency dental treatment for dental costs incurred which the treating dentist certifies in writing is for the relief of sudden and acute pain to sound and Natural Teeth.
Cover for emergency overseas dental expenses incurred following an injury to sound and natural teeth caused solely and directly by external and visible means as a result of an Accident and which does not result from an illness or disease, but not treatment that can be delayed until You return to Australia.
Cover for emergency overseas dental treatment certified by the treating dentist in writing that the treatment is required only for the relief of sudden and acute onset of pain to healthy, natural teeth, which are teeth that are whole or properly restored (with fillings only).
Cover for emergency overseas dental treatment certified by the treating dentist in writing that the treatment is required only for the relief of sudden and acute onset of pain to healthy, natural teeth, which are teeth that are whole or properly restored (with fillings only).
Note: This information was last updated September 2023
General exclusions applied to emergency dental treatment
As with most other benefits under a travel insurance policy, there are certain circumstances where your emergency dental treatment claim will not be paid. These usually include:
If your claim arises from a pre-existing condition
Expenses incurred after two weeks of treatment from a dentist, although special approval may be granted in some cases
If you fail to follow the advice you receive from your travel insurer's emergency assistance line
If you receive any health care treatment that is covered under the Australian Government's Reciprocal Health Care Agreement with the country in which you are travelling
If your claim is for damage to dentures, crowns, bridges or dental prostheses
If your claim is for costs incurred in Australia
If your claim is for dental injury sustained during your participation in snow sports activities
If your claim is for expenses resulting from dental treatment using precious metals
If your claim is for expenses incurred during a cosmetic dentistry procedure
If your claim is for treatment costs caused by the deterioration and/or decay of your teeth or associated tissue
Why you can trust Finder's travel insurance experts
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Since 2014, we've helped over one million people find travel insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
Frequently asked questions
Dental travel insurance can cover you if your teeth are injured in an accident or if you suffer from unexpected pain while travelling overseas. If you need it, you can also find policies that will cover dentures and dental prosthesis, so long as it's not considered a pre-existing condition.
In most cases, you won't be covered for wisdom teeth. This is becase it is likely a pre-existing medical condition (something you will have been aware of before flying) which means you probably won't covered.
Travel insurance can cover toothache. Most policies can cover you for emergency dental treatment for the relief of pain.
Most travel insurance policies will cover emergency dental expenses. Cover is only available for unexpected dental treatments which means you won't be covered for routine check-ups or elective treatments by these policies. It won't cover dental tourism costs. Insurance only covers unexpected events, not ones you knew about in advance.
Finder Consumer Sentiment Tracker statistics, July 2023
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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