Advertisement

The myths

  • You can buy cover just to cover overseas treatment.
  • Policies have a worldwide extension so cover must apply.
  • Insurances with non-UK cover will pay for overseas treatment.

The reality

  • Dental policies often seem to include worldwide cover, but this is usually only for emergency and accidental treatment, not normal routine or restorative treatment.
  • There is no specific cover for those planning to go overseas for dental treatment.
  • Worldwide extensions are for emergencies only.
  • Very few policies cover treatment outside the UK, and even when they do, most of the treatments you go overseas for are not covered.

The detail

Many dental policies only cover accidents, emergencies and simple maintenance, so excluding more extensive dental treatment.

Your policy may restrict treatment to your normal UK dentist.

Policies have specific exclusions such as:

  • cosmetic procedures
  • dental treatment carried out in a hospital
  • orthodontic treatment
  • dental veneers
  • tooth whitening
  • implants

The exclusion which normally applies even if not specifically excluded by the policy is a pre-existing condition. This can be interpreted in many ways to include anything you knew or suspected or have had treatment for.

A small number of dental insurers include treatment outside the UK. But, this will only be for treatment that would have been covered in the UK, and will exclude travel and other non-medical costs. This may be limited to the EU only.

Advertisement

Features

Latest news

Chelsea and Westminster named the best place to work in the NHS for 2015

Nuffield Health opens doors of new Cambridge Hospital

Nuffield Health plans to open state-of-the-art diagnostic suite

Find a plan...

Find a plan...

A to Z of companies and plans
for Students
for People with pre-existing conditions
for Expatriates
for Cancer cover
for Public sector/Civil service
for The elderly
for Businesses
for Small businesses
for Individuals
for Over 50s
for Children
by name
...within: miles
Advertisement
Connect with us on:

This site compiles with the HONcode standard for trustworthy health information