Dental emergencies and travel insurance

When planning your next trip, travel insurance may not be the most exciting part of your checklist, but it can be one of the most essential. At Allianz Global Assistance we may offer peace of mind when facing unexpected health concerns abroad. Among the questions many travellers have is whether travel insurance includes dental emergency benefits. Here we’ll dive into the specifics of Allianz Global Assistance’s offerings and how their plans address dental care while travelling.

Who we are

Allianz Global Assistance is a leading provider of travel insurance, offering a variety of plans tailored to meet the diverse needs of travellers. From emergency medical benefits to trip cancellation, our goal is to protect you against the unforeseen. One critical aspect of our travel insurance plans is the inclusion of dental benefits, which can be a lifeline during medical emergencies.

Understanding dental emergency coverage is vital for travellers. Dental issues can escalate quickly, turning a small inconvenience into a major medical emergency. Ensuring your travel insurance plan includes dental benefits may save you both stress and significant costs.

What is a dental emergency?

A dental emergency involves any sudden, unforeseen or unexpected dental injury or pain that requires immediate attention. Examples include:

Toothaches: Severe pain that cannot be alleviated with over-the-counter remedies.
Chipped or broken teeth or the loss of fillings and crowns: Due to accidents or trauma.

Addressing dental issues while travelling is crucial not only for immediate relief but also to prevent long-term damage. The costs of treatment abroad can be high, making travel insurance that includes the proper dental coverage a practical choice.

Allianz Global Assistance travel insurance and dental coverage

When it comes to dental treatment, we offer comprehensive plans that cater to a variety of needs. Our emergency medical travel insurance plans often include benefits for dental emergencies, ensuring that travellers can access necessary care when it matters most. Here’s what you need to know:

Types of Plans Featuring Dental Coverage

Allianz Global Assistance provides several plans that may provide coverage for dental emergencies, including outbound and inbound plans:

Comprehensive travel insurance plans: designed for travellers seeking all-encompassing coverage, these plans include emergency medical benefits and dental care. Explore Comprehensive Plans.
Emergency medical travel insurance plans: these plans focus on covering unexpected medical and dental issues during your trip. Explore Emergency Medical Plans.
Annual comprehensive travel insurance plans: ideal for frequent travellers, offering coverage for medical and dental emergencies for each trip taken within the year. Explore Annual Comprehensive Plans.
Annual emergency medical travel insurance plans: tailored for those prioritizing emergency medical coverage, including dental. Explore Annual Emergency Plans.
Visitor to Canada travel insurance plans: designed specifically for inbound travellers, these plans include accidental dental coverage. Explore Visitor Plans.

Inbound vs. Outbound Plans

Outbound plans: Handle emergencies occurring while Canadians are travelling abroad. This includes sudden dental pain or accidents.
Inbound plans: Designed for visitors to Canada, these plans often feature accidental dental coverage, addressing injuries resulting from unforeseen incidents.

Limitations and Exclusions

While specific Allianz Global Assistance plans may provide dental coverage, there are some limitations to consider:

Coverage is only eligible for sudden and unforeseen circumstances limited to emergencies and does not extend to routine dental care or pre-existing conditions.
Certain plans may have monetary caps on dental benefits.
Dental tourism, where travellers seek non-emergency treatments abroad, is not covered.

What to do during a dental emergency

In the event you do experience a dental emergency while traveling, you can rest assured that Allianz Global Assistance is there to help.

Contact Allianz’s Assistance Team; Our emergency hotline is available 24/7 for guidance and support.
Locate an Approved Provider; Allianz can help direct you to a trusted dental professional within your coverage area.
Follow Claim Procedures; Keep all receipts and documentation related to your treatment for a smoother claims process.

Having the right travel insurance plan can ensure that you’re supported every step of the way.

What about dental tourism?

Dental tourism refers to travelling abroad specifically to receive dental treatments, often at a lower cost than in one’s home country. While this may seem appealing, it’s important to note that Allianz Global Assistance does not cover dental tourism under their plans. Coverage is reserved strictly for emergency medical and dental situations encountered during travel.

Travelling is an adventure, but unforeseen medical and dental emergencies can disrupt even the best-laid plans. Allianz Global Assistance’s travel insurance plans provide comprehensive emergency medical benefits, including dental coverage, ensuring that you’re prepared for the unexpected and unforeseen.

Whether you’re staying in the country or venturing outside it, we offer a variety of plans to suit your needs. By understanding the scope of coverage and adhering to the necessary steps during an emergency, you can travel with confidence, knowing you’re protected by a trusted travel insurer.

For more information, visit us online to find a plan that best match your travel needs.

Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies, administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc.