Am I covered by travel insurance if I need to see a dentist?

Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.

As we've recently changed our insurer, please select the date you bought your policy:

Policies purchased on or after 1 August 2019
Policies purchased between 1 November 2018 and 31 July 2019
Policies purchased before 1 November 2018


 

For policies purchased on or after 1 August 2019:

Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.

What’s covered

Your policy can cover your dental expenses related to immediate pain relief only. This means the treatment is limited to the immediate relief of sudden and acute pain and will not include such things as general check-ups, replacement fillings or major dental work.

What you need to do if something happens:

  • Call our 24/7 Emergency Assistance team for advice on your dental condition or if you need directions to the nearest or most suitable dentist.
  • Go to the dentist for the emergency dental treatment you need and obtain written certification from the dentist that the treatment was immediately required.
  • Confirm that the dentist treating you is registered and licensed to treat you in the local country.
  • You should pay the dental bills yourself and then make a claim online once all your treatment is finished or once you return home.

What’s not covered?

The policy isn’t designed to cover everything. Take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details.
Here are the main things that aren’t covered:
  • Dental treatment which can wait until your return home.
  • Dental treatment which is not considered urgent or for the treatment of pain relief. This may include: general check-ups, replacement fillings, crowns, bridges and any other major dental work.
  • Pre-existing medical conditions, which is any dental condition or related complication where you’ve seen a medical practitioner, dentist or a chiropractor within 180 days before you purchased your policy, started your trip, extended your policy or resumed your trip.
  • Any dental expenses incurred after you return to your country of residence.
  • Anything else that’s listed in the General Exclusions and the Specific Exclusions in the policy wording.

Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited.
 

For policies purchased between 1 Nov 2018 and 31 July 2019:

Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.

What’s covered

Your policy can cover your dental expenses related to immediate pain relief only. This means the treatment is limited to the immediate relief of sudden and acute pain and will not include such things as general check-ups, replacement fillings or major dental work.

How much you can claim:

If you are a UK policy holder you can claim up to £300 per person under the Standard Plan or £500 per person under the Explorer Plan. 

There is a £100 policy excess applicable per person, per event under the UK policy.

What you need to do if something happens:

  • Call the Emergency Assistance Service for  advice on your dental condition or if you need directions to the nearest or most suitable dentist.
  • Go to the dentist for the emergency dental treatment you need and obtain written certification from the dentist that the treatment was immediately required.
  • Confirm that the dentist treating you is registered and licensed to treat you in the local country.
  • You should pay the dental bills yourself and then make a claim online once all your treatment is finished or once you return home.

What’s not covered?

The policy isn’t designed to cover everything. Take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details.

Here are the main things that aren’t covered:

  • Dental treatment which can wait until your return home.
  • Dental treatment which is not considered urgent or for the treatment of pain relief. This may include: general check-ups, replacement fillings, crowns, bridges and any other major dental work..
  • Any treatment which is related to or caused by a pre-existing medical condition, which is any ongoing dental condition, or related complication you have, the symptoms of which you are aware of, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; or a medical or dental condition for which advice, treatment or medication has been prescribed by a medical practitioner, dentist or a chiropractor within 180 days before you purchased your policy.
  • Any dental expenses incurred after you return to your country of residence.
  • Anything else that’s listed in the General Exclusions and the Specific Exclusions under Section 1 in the policy wording.
Note: For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd's.

For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream:

Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.

What’s covered

Your policy can cover your dental expenses related to pain relief only. This means, the treatment is limited to immediate pain relief and will not include such things as general check-ups, replacement fillings or major dental work.

How much you can claim:

For UK Residents with policies purchased AFTER 23 April 2015:

You can claim up to £300 per person under the Standard Plan and £500 per person under the Explorer Plan for your emergency dental expenses when treatment is to relieve immediate pain.

There is a £100 policy excess applicable per person, per event.

For UK Residents with policies purchased BEFORE 23 April 2015 :

You can claim up to £300 per person under both the Single and Family plans for your emergency dental expenses when treatment is to relieve immediate pain.

There is a £100 policy excess applicable per person, per event.

What you need to do if something happens:

  • call the Emergency Assistance Service for  advice on your dental condition or if you need directions to the nearest or most suitable dentist
  • go to the dentist for the emergency dental treatment you need
  • confirm that the dentist treating you is registered and licensed to treat you in this country.
  • you should pay the dental bills yourself then make a claim online once all your treatment is finished.

What’s not covered?

The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the policy wording for full details.

Here are the main things that aren’t covered:

  • dental treatment which can wait until your return home
  • dental treatment which is not considered urgent or for the treatment of pain. This may include: general check-ups, replacement fillings, crowns, bridges and any other major dental work.
  • any treatment which is related to or caused by a pre-exisiting medical condition, which is any ongoing dental condition, or related complication you have, the symptoms of which you are aware of, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; or a medical or dental condition for which advice, treatment or medication has been prescribed by one of the people listed in this definition, within 180 days before you purchased your policy.
  • any dental expenses incurred after you return home.
  • anything else that’s listed in the General Exclusions and specific exclusions in the policy wording
Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.

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  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
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For policies purchase on or after 1 November 2018:


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+353 21 237 8000

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