Dental insurance

Contract number 140011

Don’t let dental costs take a bite out of your savings

Let dental insurance work for you. Add it to your extended health care (EHC) with core travel coverage today! It helps keep more money in your pocket by paying less for dental costs and treatments.

Dental insurance helps provide coverage for dental services such as:

  • Oral exams
  • Fillings
  • Polishing

It also helps for major dental services like:

  • Crowns and repairs
  • Inlays and onlays

Why choose dental insurance offered through PPAO?

  • You’ll get special insurance rates with the added advantage of group savings
  • It helps lower your out-of-pocket expenses
  • You can get direct deposit payments for your claim submissions

To be eligible for dental insurance, you:

  • Must request coverage at the time of applying for EHC with core travel insurance
  • Be approved for EHC with core travel coverage under the PPAO Group Plan

You can’t apply for dental insurance as a stand-alone insurance product.

Apply without proof of good health - you can apply for coverage without proof of good health, if we get your application within 60 days of your existing group insurance plan’s end date.

You can get dental insurance for:

  • You
  • Couple (You + spouse)1
  • You, your spouse, your child(ren)2

You and your dependants must be insured for the same benefits.

What’s covered?

Dental coverage
Preventive dental procedures
  • 80% of costs covered
  • 1 complete examination every 36 months
  • 1 recall examination every 9 months
  • Emergency or specific examinations
  • Polishing (cleaning of teeth) and topical fluoride treatment once every 9 months
  • Removal of impacted teeth and related anesthesia
Basic dental procedures
  • 80% of costs covered
  • Fillings
  • Removal of teeth
  • Treatment of disease of the gum and other supporting tissue
Major dental procedures
  • 50% of costs covered
  • Inlays and onlays
  • Crowns and repairs to crowns
Benefit year maximum
  • $1,500 per person (reduced by 50% if coverage starts in the second half of a benefit year)

What’s the cost?

Monthly premium rates

Dental insurance coverage for: Under the age of 65 Age 65 and over
Single $71.50 $77.00
Couple $121.55 $130.90
Family $193.05 $207.90

Age and rate calculation are made on January 1 of each year.

When coverage begins:

If you’re applying without proof of good health, approved coverage begins the day after the termination date of your previous group insurance.

If you’re applying with proof of good health, coverage begins on the first day of the month, after approval.

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Learn more

Questions?

Call us at 1-877-363-2773
Mon to Fri 8 a.m. to 8 p.m. ET

You can also contact your plan advisor:

Craievich Financial Services
David Craievich, EPC
Paul Craievich, B.A., CLU, CH F.C, EPC, CFP
519-491-2050
Email

Take these three steps to apply:

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Download application

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Fill it out

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Mail it in

What’s not covered?

We will not pay for services or supplies payable or available (regardless of any waiting list) under any government-sponsored plan or program unless explicitly listed as covered under this benefit.

We will not pay for services or supplies that are not usually provided to treat a dental problem.

We will not pay for:

  • Procedures performed primarily to improve appearance
  • The replacement of dental appliances that are lost, misplaced or stolen
  • Charges for appointments that a person does not keep
  • Charges for completing claim forms
  • Services or supplies for which no charge would have been made in the absence of this coverage
  • Supplies usually intended for sport or home use, for example, mouthguards
  • Procedures or supplies used in full mouth reconstruction (capping all of the teeth in the mouth), vertical dimension corrections (changing the way the teeth meet) including attrition (worn down teeth), alteration or restoration of occlusion (building up and restoring the bite), or for the purpose of prosthetic splinting (capping teeth and joining teeth together to provide additional support)
  • Transplants and repositioning of the jaw
  • Charges related to implants, including surgery charges
  • Experimental treatments

We will not pay for dental work resulting from: 

  • The hostile action of any armed forces, insurrection or participation in a riot or civil commotion
  • Teeth malformed at birth or during development
  • Participation in a criminal offence

1. Spouse: The insured’s spouse by marriage or under any other formal union recognized by law, or a partner of the opposite sex or of the same sex who is living with the insured and has been living with the insured in a conjugal relationship. Only one person at a time can be covered as an insured’s spouse under this contract.

2. Child: A child, other than a foster child, of the insured or the insured’s spouse, who does not have a spouse and who is:

  • Under 21, or
  • Age 21 or over but under age 25 who is a full-time student attending an educational institution recognized under the Income Tax Act (Canada) and is dependant on the insured for financial support.

A child who becomes disabled before the limiting age and remains continuously disabled, qualifies as long as the child:

  • Is incapable of financial self-support because of a disability,
  • Depends on the insured for financial support, and
  • Does not have a spouse.

The insured must provide Securian Canada proof of the above within 6 months of the date the child attains the limiting age.