What dental expenses are covered by travel insurance?

Dental fees and travel insurance: Are there solutions for treatment abroad? Wanderlix tells you everything.

Dental expenses can be expensive. Between classic care and a prosthesis, the price will vary considerably, the care by your travel insurance also. You have a tooth rabies in Australia , a gingivitis in Mexico or need a crown in the United States? Here's how you'll be reimbursed.

Dental expenses covered by travel insurance

It is not always easy to make generalities as each travel insurance is free to define its guarantees. In addition, depending on the chosen formula, the coverage will not be the same for your dental expenses.

However, a comparison of travel insurance allows to determine what is most of the time reimbursed, and what is not. Thus, the travel insurance will reimburse for urgent and unforeseen dental care (this is the case for most medical care taken care of during a stay abroad). That being said, it is important to understand what is an unexpected and urgent care.

In dental matters, this usually corresponds to:

• Absence ;
• Teeth Rage ;
• Davoidalization of a tooth ;
• Tooth drying ;
• Tooth Obturation following the loss of lead for example.

Exclusions for dental expenses abroad:

• Replacement of a crown ;
• A new prosthesis ;
• Care of a pre-existing carie ;
• Gingivite.

In concrete terms, travel insurance only supports care that was not predictable. If you already had a carie in France, you had to get her treated before leaving. It usually does not support dental prostheses, and therefore the most expensive treatments.

Compensation ceilings

You now know what medical expenses for the dental are reimbursed, let's now look at the points to be studied when you compare travel insurance.

By studying a table of guarantees, you discover the extent of coverage, but above all, the limits of coverage. Thus, insurance applies compensation ceilings, it is an element to be considered according to the country in which you go. A dentist to United States , Canada or in Japan will not practice the same fees as a specialist in India or Madagascar.

Let's take some examples of ceilings that could be applied to you. With ASFE, for a stay of less than a year, the care caused by an accident or as a result of a dental emergency is refunded to the height of 100% actual costs. That sounds interesting. However, care cannot exceed 350€ . Following an accident, it reimburses the prosthesis at height of 200€ , which is not, let us say, not very high.

At Chapka Assurances, you can also be charged with the actual costs, with a ceiling 600€ per person per year. However, no prosthesis is taken care of. At Avi Insurance, for world-round insurance, you are reimbursed to 150€ for a dental emergency 500€ for dental care resulting from an accident.

Deductibles

As in any insurance, it is quite possible that you are confronted with a franchise . However, it is often possible to modulate this one, with an increase in the insurance premium. This is an important choice that you need to consider before leaving. Do you prefer to play security with a higher but fixed contribution, or reduce your contribution, even having to pay unexpected expenses during your trip?

In this context, there is no good or bad choice, it is your budget that will be decision-making.

Am I covered at any time by my travel insurance for my dental care?

No, you are not covered at any time in general for dental expenses.

Even with multi-risk travel insurance, you do not immediately have access to the reimbursement of dental care.

A comparison of the insurance for travellers enabled us to find that insurers used to reimburse dental expenses only for long stays. Thus, for a short stay of less than 3 months, there is little chance that you will be taken care of.

What is the best travel insurance for dental expenses?

This is a question that many travellers ask and that it is not easy to answer. Determining the best travel insurance for dental, is comparing the offers and taking stock of everything we’ve been able to evoke.

Here are the elements to be considered:

• The price of insurance ;
• The level of care ;
• Exclusions ;
• Compensation ceiling ;
• The delay in deficiency.

It is by combining all these factors that you will make the right decision. Cheap travel insurance paying you very badly your dental expenses will have little interest. You must find the best value for money. It is essential for your serenity and the quality of your trip. Suffering from one tooth rabies to the other end of the world may ruin your vacation.

Other guarantees to consider to find the best travel insurance

When you look for the best insurance for your trip abroad, the dental guarantee is important if you leave for a long stay. But other guarantees will be equally essential:

• Refund of medical expenses in general ;
• Support for hospitalization costs ;
• Cancellation insurance ;
• Medical repatriation assistance or to reach your loved ones as part of a death ;
• Travel change insurance ;
• Civil liability insurance ;
• Legal assistance ;
• Luggage insurance ;
• Etc.

Many travel insurance guides are available on our website. This will allow you to better understand the guarantees, the interest of this insurance, and to find the most accurate price for your coverage.

Does my credit card insurance take care of me?

Some cards offer travel insurance, either the Visa Premier or the Mastercard Gold. Depending on the card you have selected, a dental charge is actually possible. For example, the Visa Premier card reimburses dental emergencies at the height of 700€ . This time, it is during the first 90 days of the trip that you are insured.

For more information, do not hesitate to consult the general conditions of your bank card.

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