Dental insurance in Australia
The table below shows a range of extras-only health insurance policies from our Online Partners offering general dental cover.

Showing 10 of 176 results
Unsure of a term in the above table? View glossary
The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
What is dental insurance?
Dental insurance refers to health insurance that includes cover for dental treatment. There are several different types of dental cover available in Australia to cover the different types of treatments and procedures.
Dental cover can be offered through an extras policy, as well as a hospital policy. This means you can be covered for going to the dentist for a check-up or a filling, or going to hospital to get your wisdom teeth removed.
You can use our table to compare extras-only health insurance policies that offer general dental cover from our Online Partners, which includes basic dental care such as dentist visits, fillings and hygiene services. For more involved dental treatment, you may need ‘major dental’ extras cover or hospital cover that specifies dental procedures. Change the filters on the table to explore the different types of cover.
How dental cover works
Dental cover works in a similar way to many other forms of private health insurance. Once you’ve selected a policy and signed up, you’ll often need to serve a waiting period before you can make a claim for dental treatments. This length of time can vary between insurers, but can be as little as two months.
You can typically claim part of the cost of each dental treatment on your private health insurance, though you may need to consider annual limits. You may need to contact your insurer to submit a claim, or you may be able to provide your membership details to the dentist to handle as part of their billing process. This may be easier if your dentist is part of your health fund’s network of preferred providers.
What does dental insurance usually cover?
The treatments or services that are covered by dental insurance in Australia depend on your health insurance policy, and whether you are taking out insurance as part of extras cover or a hospital policy.
Extras dental insurance is usually divided between two main categories:
- General dental cover is usually focused on the cost of routine dental treatments, such as check-ups, cleaning, filings, and x-rays.
- Major dental cover is designed for more complex (and often more expensive) dental procedures such as crowns, dentures and veneers.
You can use our table to find extras policies from our Online Partners that include general dental and/or major dental work such as root canal therapy or braces.
Hospital policies can include cover for dental surgery done in a hospital. This could include procedures such as surgery to remove wisdom teeth or dental implant surgery.
How to find the best private health insurance for dental
Remember that the best dental insurance policy for you may be different that what’s best for other Australians. You’ll need to consider your own personal financial situation and lifestyle needs when comparing and selecting a private health insurance policy.
Some of the questions you may want to ask yourself include:
- Do you want general or major dental cover?
- Do you want extras only, hospital only, or hospital and extras?
- Is your preferred dentist in the insurer’s network?
- How much are you prepared to pay in health insurance premiums?
The best dental insurance policy for you may also be affected by where you’re living and who it covers (e.g. yourself only, you and your partner, or your whole family). Overall, the more cover you want, and the more people the policy may cover, the more you may need to pay in premiums.
Frequently Asked Questions about Dental Insurance
Latest in health insurance
Canstar Star Ratings and Awards
Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
Explore more health insurance:
Couples Health Insurance
HBF Health Insurance Review
HCF Health Insurance
Bupa Health Insurance Review
Compare health insurance with psychology cover
Best health insurance Australia
Major dental insurance Australia
Health insurance for orthodontics and braces
Compare singles health insurance
Compare health insurance for speech therapy
Compare health insurance for weight loss surgery
Compare health insurance for occupational therapy
About our finance experts
Mark Bristow, Senior Finance Content Producer

Joshua Sale, GM, Research

As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Health Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.
Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.
Important information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.