Travel medical insurance covers many unforeseen medical incidents and emergencies, but does travel insurance cover dental? Dental emergencies can make traveling uncomfortable and they’re often not something that can be put off until returning home. As with your general domestic healthcare insurance, dental insurance will not cover you when you’re out of your home country. If you experience sudden tooth pain while abroad, you might be wondering if there’s such a thing as dental travel insurance.
Does Travel Insurance Cover Dental?
Some visitors insurance plans offer limited dental coverage, but it may only cover emergency dental care. Most comprehensive travel insurance plans offer dental coverage for acute emergency dental treatment such as broken teeth or accidental teeth injury to otherwise healthy, natural teeth.
What Does Travel Dental Insurance Cover?
Travel insurance with dental benefits typically covers dental injuries that occur while the insured is abroad and that require immediate attention. Dental coverage may include some coverage for sudden, emergency situations like:
- Unexpected teeth injuries
- Sudden painful dental emergency
- Broken teeth
- Necessary prescription medications, anesthesia, and X-rays up to your travel insurance policys dental coverage limit
Travel Insurance Dental CoverageRestrictions & Limitations
Like other medical benefits, dental coverage may be limited depending on your travel insurance policy. The following restrictions regarding dental coverage may apply to your travel medical plan:
- Travel medical insurance plans usually only provide limited dental coverage, ranging from $100 to $1,000 for dental emergencies.
- Routine care, dental bridges, false teeth replacement, and damage to braces and dentures are typically not covered by travel insurance policies.
- Some plans may not cover teeth pain that is not related to an injury incurred while abroad.
- With some travel insurance policies, dental treatment must be completed before the traveler returns to his or her home country.
If you have a travel medical insurance plan that covers dental care and you receive dental treatment while abroad, you may have to pay for your treatment upfront and file a claim for reimbursement. For this reason, its important that you save all documents, receipts and bills related to your treatment.