Dental travel insurance

Get travel insurance that covers dental

Compare travel insurance with dental cover

We've researched a few of our partnered brands and have highlighted the limits of each brand.

Brand	Limit	Details	Apply
	$2,000	Cover for emergency overseas dental treatment on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function.	Get quote
	Unlimited	Cover for emergency overseas dental treatment on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function.	Get quote
	$500	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.	Finder Award Get quote
	$1,000	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.	Get quote
	$500	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.	Get quote
	$1,000	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.	Get quote
	$500	Cover for emergency dental treatment as long as it is for the immediate relief of pain only.	Get quote
	$500	Cover for emergency dental treatment as long as it is for the immediate relief of pain only.	Finder Award Get quote
	$2,000	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.	Get quote
	$2,000	Cover for emergency overseas dental treatment on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function.	Get quote
	$2,000	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.
	$1,000	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.	Get quote
	$2,000	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.	Get quote
	Unlimited $2,500 - Dental expenses due to sudden and acute pain	Covers teeth that are injured in an accident and emergency relief of dental pain – if you suffer sudden and acute dental pain.	Get quote
	$1,000	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.	More info
	$350	Cover for emergency dental treatment for the relief of pain only.	Get quote
	$2,000	Cover for emergency dental treatment as long as it is for essential temporary treatment for the immediate relief of pain or discomfort to sound, healthy and natural teeth; and/or emergency repairs to dentures and orthodontic appliances carried out solelyn to alleviate distress in eating.	Get quote
	$2,000	Cover for emergency dental treatment provided outside Australia by or on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function.	Get quote
	$1,500	Cover for emergency dental treatment to natural teeth.	More info
	Unlimited	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.	More info
	Unlimited	Cover for overseas dental expenses prescribed by the treating dentist caused by an injury or sudden pain on natural teeth.
	$2,000	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).	Get quote
	$2,000	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

Frequently asked questions

• How do I make a dental claim while travelling?

  You should contact your insurer's emergency assistance line as soon as possible. They can guide you on finding a dentist and the claims process. Keep all receipts, medical reports and dental certificates, as these will be required for your claim.

• What documents do I need for a dental claim?

  For a dental claim you will usually need original receipts, proof of payment, a detailed medical or dental report explaining the treatment and its necessity, and any X-rays if applicable. Your insurer may also ask for a certificate from the treating dentist confirming the treatment was for immediate pain relief or to restore function.

• Does travel insurance cover fillings, crowns or root canals?

  Travel insurance typically covers emergency dental treatment to relieve pain or temporarily restore function. This may include temporary fillings or treatments to address acute pain. However, extensive work like new crowns, root canals or cosmetic procedures are generally not covered unless they are deemed immediately medically necessary due to a sudden accident or acute infection. Always check your specific policy wording.

• What if my dental issue is not an emergency but still painful?

  Most policies focus on emergency treatment for sudden acute pain or injury. If your dental issue is painful but not an immediate emergency, or could wait until you return home, it is unlikely to be covered. Coverage is for medically necessary treatment that cannot be delayed.

• Is accidental damage to teeth covered by travel insurance?

  Yes, many policies provide cover for accidental damage to healthy natural teeth caused solely and directly by an external visible accident. This usually includes treatment to relieve pain or temporarily restore function, but not often for pre-existing conditions or purely cosmetic repairs. Check your policy's accidental injury section for specific details.

• Are there any excesses or deductibles for dental claims?

  Yes, similar to other claims most travel insurance policies have an excess or deductible amount that you must pay upfront or which will be deducted from your claim payout. This amount varies between policies and insurers, so always check your product disclosure statement for details.

• What happens if my dental treatment costs more than the policy limit?

  If your emergency dental treatment exceeds the specified limit in your policy you will be responsible for paying the difference. It is important to be aware of your policy's limits before travelling. Some premium policies may offer higher or even unlimited emergency dental cover.

• How do I know if my dental issue is considered a pre-existing condition?

  A dental issue is generally considered pre-existing if you were aware of it, seeking treatment for it, or experiencing symptoms related to it before you purchased your travel insurance or at the time of your departure. This includes ongoing conditions, unresolved problems or treatments that were scheduled or recommended before your trip. Always disclose any known dental or medical conditions when you buy your policy.

• Do I need to contact my insurer before seeing a dentist overseas?

  For emergency dental treatment it is highly recommended to contact your insurer's 24/7 emergency assistance service before seeking treatment or as soon as practicably possible. They can help arrange appropriate care, advise on cover and guide you through the claims process. Failing to contact them may affect your claim.

• Can I choose any dentist when I am overseas?

  While you often have some flexibility to choose a dentist, your insurer's emergency assistance team may be able to recommend reputable providers or clinics in your location. It is always best to consult with them first to ensure the treatment will be covered and that you are seeing a qualified professional.

• Does domestic travel insurance cover dental emergencies?

  Some domestic travel insurance policies may offer limited cover for emergency dental treatment, particularly if it arises from an accidental injury during your trip. However, the level of cover and exclusions can vary significantly from international policies. Always read the product disclosure statement for domestic policies to confirm dental coverage.

• Is there a waiting period for dental cover on travel insurance?

  Generally, for emergency dental treatment due to an accident or sudden acute pain there is no specific waiting period once your policy is active. However, if the dental issue is related to a pre-existing condition that requires assessment or is not declared, then any waiting periods for pre-existing conditions or exclusions may apply. It is crucial to check your policy's terms and conditions.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 572 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
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