Student Dental Coverage in Ontario: What You Need to Know
Thorncrest Dental has created a helpful and easy-to-understand guide tailored for college and university students across Ontario. The Student Dental Coverage Guide breaks down how student insurance works, what’s typically covered, and why it matters for your oral health and finances.
Whether you’re new to student insurance or just need a refresher, the guide explains the basics of preventive services, cost-saving benefits, and what to do if you’re unsure about your plan. It’s especially useful for students trying to maximize their dental benefits while staying on top of school demands.
🔗 Read the full guide here: thorncrestdental.com/student-dental-coverage-guide-ontario
Student dental plan: University of Guelph
Policy year is from September 1st 2024 to August 31st 2025 (fall/full-year studies)
January 1st 2025 to August 31st 2025 (winter studies)
Annual Maximum: $600
Diagnostic & Preventive:
- Recall exams are covered once per benefit year.
- Complete oral exams are covered once per dentist per lifetime.
- Emergency or specific exams are covered.
- Consultations are covered once per benefit year.
- Bitewing x-rays are covered up to 4 films per benefit year.
- Panoramic x-rays are covered once every 36 months.
- Occlusal radiographs are covered up to 4 films per benefit year.
- Periapical x-rays are covered up to 16 films every 36 months.
- Polishing is covered up to 1 unit per benefit year.
- Scaling is covered up to 2 units per benefit year.
- Fluoride is covered for 1 treatment per benefit year.
Minor Restorative:
- Space maintainers and maintenance only covered if under 15 years of age.
- Amalgam (silver) fillings are covered 1 per tooth every 24 months.
- Composite resin (tooth coloured) fillings are covered 1 per tooth every 24 months, limited to once every two years on the same tooth surface.
- Silicate fillings are covered 1 per tooth every 24 months.
Oral Surgery & Extractions:
- Wisdom teeth removal is covered.
- Residual root removal is covered.
- General anesthesia is eligible when done in conjunction with oral surgical procedures.
Certain exclusions and limitations may apply. Prior to dental treatment work that is expected to cost $300 or more, students should submit a treatment plan obtained from their dentist to your insurance company for approval.
