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Travel Insurance with Dental Coverage: Do You Need It?

Travel Insurance with Dental Coverage: Do You Need It?

 

Do I need travel dental insuranceImage courtesy of Stuart Miles at FreeDigitalPhotos.net

If you are going away, you might want to buy travel insurance. Travel insurance is something you would consider if you’re a frequent traveler. However, regarding the coverage, how much of it do you really need? Dental coverage, for instance, doesn’t seem to be much of a necessity, but how do you decide whether you need it or not? Let’s take a look at travel insurance dental coverage and what it really has to offer.

Dental Coverage of Travel Insurance Policies

Most travel insurance providers have dental coverage as add-ons to their policies. However, dental coverage is quite limited and only provides around $100-$800 worth of dental treatments. Some notable limitations of dental coverage include:

  • coverage for natural teeth only
  • coverage limited to natural tooth damage due to accidents only (no natural causes such as poor oral health or gum disease)
  • no coverage for toothache or pain unrelated to accidents or injuries, i.e. toothache caused by gum disease, decay, or sensitivity
  • no coverage for regular dental procedures such as routine check-ups and dental cleaning
  • no coverage for replacement of fallen or broken false teeth (bridges, crowns, dentures, dental implants)
  • no coverage for dental appliances (mouth guards, braces, retainers)
  • no coverage for cosmetic procedures (teeth whitening, smile makeover, prosthetics)

To Buy or Not to Buy Dental Coverage?

Since dental coverage is very limited, you should only think about getting this plan if you are going to do some extreme sports and activities during your trip abroad such as mountain climbing, mountain biking, racing, skiing, surfing, parkour, and skydiving. These activities can increase the risk of fracturing or knocking out a natural tooth or two.

However, if you’re only traveling for sightseeing purposes, dental problems likely won’t be much of an issue, unless you experience an actual physical accident which can knock your tooth out like a slip or fall. Most travel insurance policies have medical coverage for accidents and injuries, but in case of a dental emergency, you will only be given first aid. Proper treatment and restoration will need to be done back home. This is a much more practical choice because the cost of dental coverage may turn out to be more expensive in the end.

Regular Dental Care from a Novi, Michigan Dentist

One thing to think about when deciding to get dental coverage is your overall oral health. Would you need dental insurance abroad if you know that your teeth are 100 percent healthy and safe? You will only be able to receive this kind of care by visiting Novi Family Dentistry in Novi, Mich., at least once every six months. Regular professional dental care is the secret to lifelong healthy, strong, and beautiful teeth.

Before you go on your trip around the world, make sure to drop by our dental clinic at Vineland Road. You can set an appointment using our online contact form or by calling us at (248) 348-5151 will be happy to check your teeth and gums for any problems and fix them before you leave the country. Ensuring healthy teeth prior to traveling can greatly reduce the need for dental care abroad and make your trip as enjoyable and hassle-free as possible.

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Novi Family Dentistry is committed to making sure every member of your family can have happy smiles. An inexpensive but professional dental practice, Novi Family Dentistry is an accessible and helpful practice located in Novi, Mich.

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Novi Family Dentistry

Address:23975 Novi Rd Suite 102
Novi, MI 48375

Phone: (248) 348-5151
Email: novifamilydentistry@securedds.com
Website: novifamilydentistry.com
Office Hours:
Mon, Tues and Thurs: 7:30 am - 5:00 pm
Wed: 11:00 am - 8:00 pm
Fri: Closed