Dental Insurance Quote

You can obtain cover for a Single person, a Married Couple (without children), a Family (couple with children) or if you are a Single Parent.

If you select Family or Single Parent please tell us how many children you have - there is no limit to this number. Your children must be dependent on you and must be under age 21 (or under age 25 if still in full-time education).

Please let us know the age of the Eldest Applicant to be covered by this policy. The maximum age we accept for dental insurance is 74.

Your cover date must be within 30 days of today.

For the first two years of cover, your dental insurance policy with us excludes treatment for illness, injury or condition which existed at any time in the five years before you took out the policy (pre-existing conditions). This exclusion is known as a moratorium clause. Specifically the exclusion of pre-existing conditions states:

During the first 24 months of insurance, benefit is not payable under this policy for treatment for any pre-existing condition or related condition. This is known as the moratorium period.

Pre-existing conditions and related conditions will be covered after the moratorium period if you have not received any medical advice or treatment for such conditions during the moratorium period.

If at any time during the moratorium period you receive any dental advice or treatment for a pre-existing condition or related condition, a new two-year moratorium period for that pre-existing condition and related condition will start from the date of the latest advice or treatment.

A new two year moratorium period will start each time you receive advice or treatment for a pre-existing condition or related condition until such time as you remain free of advice or treatment for that pre-existing condition or related conditions for a continuous period of two years”.

Warning
You should not under any circumstances forgo necessary dental advice or treatment during the first two years of a policy. Such a course of action could endanger both your own health and, in the case of transmittable disease, could endanger the health of the general public.

Cover for non-emergency dental treatment is not provided until your dentist has completed and returned your Certificate of Dental Health, which is sent to you with your policy documents.