What Dental Insurance Covers Veneers?

Has your recent visit to the dentist left you wondering if your upcoming procedure will be covered by your dental insurance? 

Porcelain veneers are often considered a cosmetic dentistry procedure and, therefore, not covered by your insurance plan. But, if you can prove your veneer is needed due to tooth decay, disease or as a result of an injury, your insurance plan may cover a portion of the cost.

What is a Dental Veneer?

Veneers are made from a very thin layer of porcelain or resin composite material and are custom-fitted to fit your teeth after they’ve been prepared. Your teeth will be filed down to make way for the veneer and it will be bonded to the front of it with dental cement, but the amount that’s filed down will depend on if you’re getting a partial or full veneer. 

Partial veneers will only cover a small portion of your teeth, whereas full veneers will cover the entire surface. Veneers can be used to fix a number of issues such as:

  • Cracked tooth
  • Broken tooth
  • Chipped tooth
  • Discolouration
  • Repair gaps
  • Repair wear and tear (from grinding or clenching)
  • Fix unusually shaped teeth (smaller, uneven, or pointed teeth)

After your customized porcelain veneers are made and bonded to your teeth, you’ll be able to return to work the same day as it’s not a complex procedure. You can also safely resume your workout routines, unlike after undergoing a surgical procedure, but it’s definitely recommended you don’t dive right into eating harder foods for a couple of days, but it won’t take long before you can get back to your regular diet again. 

If you do experience some pain or sensitivity after the procedure, you can take over-the-counter medications or hold an ice-pack over your mouth, but healing times can vary per patient, especially depending on the number of veneers they’re getting or the amount of prep work that’s needed beforehand. You should continue brushing twice daily, once in the morning and once before bed, and flossing once daily to remove any food stuck between your veneers. 

Side note: You shouldn’t use alcohol-based mouthwashes with veneers. They can eventually cause the dental cement to wear away that’s holding your veneer in place. Non-alcoholic mouthwashes are still made by companies like Crest, Listerine, Colgate, Gum, and more, and still give off a fresh, clean feeling!  

Why Is Porcelain A Popular Dental Material?

Veneers, like crowns and bridges, are often made from porcelain because of the material’s durability, safety (it’s non-toxic) and natural-looking appearance. 

They can be made to completely match the colour and appearance of the rest of your teeth to restore your smile. It’s also a great alternative for patients who may have a metal allergy. 

But porcelain may not always be the best option for you, so it’s best to discuss alternative options with your dentist.

Can Veneers Be Placed On All My Teeth?

If you want more than one tooth restored, it is quite common to have veneers applied to the front six to eight teeth. But there’s no limit to how many you can get, especially if your smile is wider. 

You don’t exactly want to have the veneers stop halfway and create an uneven smile. After all, you’re getting them to restore your smile. So, if you require ten to 12 veneers, it is possible.


Veneers are meant to last for up to ten years and can last even longer if you follow the proper oral hygiene routine. But, there are times where the veneer could be damaged or accidentally fall out, in which case, this procedure will be covered under dental care benefits, although the coverage cost will depend on each individual plan. 

Some benefits will cover a certain percentage of the cost, whereas others will cover a set amount and you’ll have to pay the rest out-of-pocket. 

Veneers could fall off, or become damaged, for various reasons, such as the following:

  • Tooth decay
  • Facial trauma/injury
  • Excessive grinding or clenching while you sleep
  • Biting or chewing harder foods, like an apple, ice or candy/toffee

If your veneer chips or falls off, keep it in a safe place, like a jar or container and see a dentist as soon as you can. They may be able to reapply it if it’s not too badly damaged, otherwise, you’ll receive a temporary treatment until a new veneer is made for you.

While you have a temporary veneer in place you may experience a bit of sensitivity, so you should not eat the following:

  • Chewier meats, like steak, pork chops, sausage, etc.
  • Apples
  • Chips
  • Candy
  • Popcorn
  • Acidic foods like tomatoes, oranges, and berries
  • Coffee or tea
  • Alcohol, especially red wine

You should also avoid smoking until your temporary veneers are taken out. 

Can You Smoke With Veneers?

As we all know, nicotine can negatively affect our natural teeth and discolour them. Porcelain veneers are a great solution to teeth discoloured from smoking as they’re ultimately stain-resistant, however, the nicotine can still stain the dental cement used to bond your veneer to your tooth, which means they can turn yellow or brown around the edges. 

Smoking can also lead to gum disease which can cause your teeth to fall out, or no longer be able to support veneers, crowns, bridges, or implants. If your veneer is made from a composite resin material instead of porcelain, nicotine can discolour the material even quicker than the dental cement on your veneer.

Why Do Insurance Plans Not Cover Cosmetic Dentistry Procedures?

Insurance companies cover health care procedures or restorative dental procedures, not cosmetic dentistry. Again, if you need a veneer because of tooth decay or after suffering an injury, your benefits will likely cover a portion of the overall cost.

Cosmetic procedures can be considered the following:

  • Veneers
  • Crowns and caps
  • Bridges
  • White fillings
  • Teeth whitening
  • Implants
  • Gum lifts

Any dental procedure that is aesthetically improving your smile, whether that be in colour, shape, size, etc. is considered cosmetic.

How Much Do Veneers Cost?

An individual veneer can cost anywhere from $300 to $1,000. It will depend on the material, how many you’re getting, the prep work, and the location you’re in. This doesn’t add in the additional costs of x-rays or check-up appointments, so the overall expense can definitely add up.

Top Insurance Companies In Canada

If you’ve worked full-time with a company for more than three to six months, you may ’ll qualify to receive health care benefits through an insurance company. This will help cover the costs of dental procedures, visiting the doctor, a chiropractor, having to stay in the hospital, and more. Each company will have a preferred insurance company, but the most popular ones in Canada are:

  • State Farm
  • TD Insurance
  • Ontario Blue Cross
  • Sunlife Financial
  • Green Shield Canada
  • CAA
  • Manulife
  • Scotia Bank insurance

Payment Options

Do you not have benefits? Don’t panic. There are still options for you. Most dental offices will be quite flexible with payment plans to suit their patients’ needs. Instead of making an upfront payment in full, you should be able to pay bi-weekly, or even monthly if you’d prefer.

There are government-funded dental plans available too, but eligibility will differ. Healthy Smiles Ontario is specifically meant for low-income households with children under the age of 17. Their general dental care (preventive and restorative) will be covered at no cost, therefore, this still doesn’t include cosmetic procedures unless the veneer is needed as a result of decay, disease, or injury. 

There’s also the Non-Insured Health Benefits Program (NIHB) for First Nations peoples. You must be registered under the Indian Act (status card) and not have to pay after your procedure as the dental office will send the claim to the Program directly. Your coverage should include:

  • X-rays
  • Preventive and general cleaning (scaling, polishing, etc.)
  • Fillings 
  • Crowns
  • Denture care
  • Oral surgeries
  • Orthodontic care (traditional braces and Invisalign)

Ask For A Pre-Determination

You can ask your dental office to send a request to your insurance company in order to determine how much they’ll actually cover for your procedure. So, after receiving a veneer due to decay or injury, you’ll know specifically how much you’re paying for out-of-pocket after your appointment.


Unfortunately, your dental insurance won’t likely cover the cost of veneers if it’s considered a cosmetic procedure. But, if it’s seen as a restorative procedure, whether you’ve experienced tooth decay or suffered an injury, your procedure may be covered. 

Each patient’s dental plan will differ as they may cover a certain percentage of the total cost or a set amount per treatment meaning, you’ll still be paying an out-of-pocket amount after your appointment. Many dental offices across Canada are very lenient with payment plans though to suit their patient’s lifestyles, whether they want to pay monthly, bi-weekly, or weekly. 

Porcelain veneers can definitely be expensive, especially if you have up to eight teeth you want to be restored. But the great thing is, veneers are a durable, safe, and natural-looking solution when it comes to improving the appearance of your smile, and your overall oral health. They can also drastically increase patients’ confidence or low self-esteem.

Contact us

Whether you’re a long-term patient or are in search of a new dental office in Guelph, we’ll help you schedule your first appointment over the phone or by submitting an appointment form online. Make sure to arrive early so we can get you set up in our system and  proceed with your exam and cleaning.

We look forward to seeing you!

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