Tooth pain can take all the fun away from a perfectly going vacation. It can affect anybody, at any age and often needs immediate treatment or relief. It cannot be put off for treatment back home. MCIS is often asked about if dental problems are covered in visitor insurance and if yes, to what extent.

Dental Coverage in Visitor Insurance

Most of the visitor insurance plans provide very limited dental coverage. It is mostly for new injuries to sound, natural teeth. According to insurance vocabulary, sound, natural teeth means a tooth that is whole or properly restored; is without impairment, periodontal or other conditions like no fillings or caps; is not more susceptible to Injury than a virgin tooth, and is not in need of the treatment provided for any reason other than Accidental Injury. A tooth previously restored with a crown, inlay, onlay, or porcelain restoration, or treated by endodontic, is not a Sound Natural Tooth.

Visitor insurance provides coverage for the sound, natural teeth to the following extent:

• Emergency Dental Treatment and Dental Surgery necessary to restore or replace sound natural teeth lost or damaged in an accident, which was covered under this insurance. The reimbursement goes to a maximum of $250-$500, depending on the plan.
• Emergency Dental Treatment necessary to resolve acute, spontaneous and unexpected Onset of Pain to sound natural teeth (up to a maximum of $100), provided treatment is obtained within 24 hours of the Acute Onset of Pain, depending on the plan.

Visitor insurance doesn’t cover the following dental related issues:

• Pre-existing conditions
• Teeth pain which is not due to new injury or accident
• Routine dental care
• Gum-related routine problems
• Treatment and the provision of false teeth or dentures or dental appliance
• Damage to braces (except if due to an accident)
• Dental bridge construction

Dental coverage differs from plan to plan. If you have special dental needs, consider buying dental plan separately. Contact MCIS for questions and quotes.

Category: Visitor Insurance

October 29, 2015 at 02:53 AM