Find available information about the new Canadian Dental Care Plan (CDCP) for uninsured Canadian residents on the Canadian Dental Care Plan website.
Last updated: July 25 2023
At Sun Life, you can only get access to dental coverage through our Personal Health Insurance (PHI) plans. Depending on your PHI plan, you can get partial or full coverage for dental procedures, which may include teeth cleanings, dental x-rays and exams, orthodontics (braces for adults and children), as well as bridges, dentures and crowns.
Having dental coverage can help you avoid dipping into savings to cover expensive dental procedures. It’s a simple way to help ensure you have access to quality dental care when you need it.
Depending on your Personal Health Insurance (PHI) plan with Sun Life, whether it’s the Basic, Standard, or Enhanced plan, you can get access to a range of different dental coverage.
Here's what you could get with each plan:
Our lowest-cost plan includes coverage for preventative dental care.
Our most popular plan. This preventative dental care option offers a higher level of coverage.
Our most comprehensive plan. This option offers the highest preventive dental care coverage. You’ll also get coverage for restorative dental care and orthodontics.
1 You will be eligible to access dental coverage after a 3-month waiting period. This waiting period begins on the effective date of your coverage. Full details can be found in your policy.
2 You will be eligible to access dental coverage after a 1 year waiting period. This waiting period begins on the effective date of your coverage. Full details can be found in your policy.
3 You will be eligible to access dental coverage after a 2-year waiting period. This waiting period begins on the effective date of your coverage. Full details can be found in your policy.
Not sure what type of insurance you need? A Sun Life advisor can help you figure it out and get you a customized quote.
You can find a new plan in 3 easy steps:
Our team of licensed financial services consultants (registered as financial security advisors in Quebec) can assess your coverage needs and recommend solutions.
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Yes, with Sun Life you will need to purchase a Personal Health Insurance (PHI) plan to get access to dental coverage.
It depends on your Personal Health Insurance (PHI) plan.
Dental care can be expensive. It’s helpful to have your own dental coverage if you don’t have access to a health insurance plan through an employer.
If you’re about to retire or leaving your current job, you may lose your employee health benefits. If that’s the case, you can apply for Sun Life’s Health Coverage Choice.
The government will cover dental care costs in very limited circumstances. However, most Canadians can expect to pay for dental care services out of pocket.
Thankfully, you can help offset dental care costs through one of our 3 Personal Health Insurance (PHI) plans: Basic, Standard, or Enhanced. These plans offer varying levels of dental coverage for you to choose from.
Braces for both adults and children are covered only under our PHI enhanced plan, which provides insurance for orthodontic procedures.
Find general information about your treatment options, how to pay for braces and how much they cost in Canada.
Braces can be costly. Here are a few things to keep in mind if you choose to get braces for your children.
Are you about to retire or leave a job with employee health benefits? If that’s the case, you can apply for Sun Life’s Health Coverage Choice.
Sun Life Assurance Company of Canada is the insurer, and is a member of the Sun Life group of companies. Sun Life Assurance Company of Canada is licensed to offer life and health insurance in all jurisdictions in Canada.