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: York University
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
Basic Services:
- Complete oral examinations, full series x-rays and panoramic x-rays are covered once every 3 years, based on the date of the first paid claim.
- Emergency and specific oral examinations are covered as needed.
- Recall exams & bitewing x-rays covered once per benefit year.
- Cleanings are covered for 1 unit of polishing and up to 1 unit of scaling, once per recall period.
- Fluoride is covered once per recall period.
- Space maintainers are covered as necessary.
- Protective mouth guards are covered once every 12 months, based on the date of the first paid claim.
Basic Restorative Services:
- Amalgam, tooth-coloured and temporary sedative fillings are covered.
Basic Oral Surgery:
- Extractions and/or residual roots are covered.
- General anesthesia, deep sedation, and intravenous sedation are covered in conjunction with eligible oral surgeries.
Comprehensive Basic Services:
- Endodontic treatments such as root canals, pulpotomy/pulpectomy, and more.
- Periodontal scaling and/or root planing is covered up to 4 units per benefit year.
Certain exclusions and limitations may apply. Prior to dental treatment for work that is expected to cost $300 or more, students should submit a treatment plan obtained from their dentist to their insurance company for approval.
