Getting insurance that covers braces in Canada can significantly reduce out-of-pocket costs — especially in 2025, when orthodontic treatments are on the rise. According to the Canadian Association of Orthodontists, over 300,000 Canadians start orthodontic treatments each year, with average costs for braces ranging between $3,000 and $10,000. While many private insurance plans cover general dental procedures, coverage for orthodontics like braces is often limited or misunderstood. This guide breaks down which insurance covers braces in Canada, who qualifies, how much you can expect to pay, and what smart digital tools like GoKlaim can do to simplify claims and policy tracking.
Not all dental insurance plans automatically include orthodontics. Here’s why:
This makes it essential to check policy wording carefully and look for insurers or digital benefits platforms that offer transparency and flexibility.
Here’s a breakdown of insurance options where braces may be covered:
Group Benefits Through Employers
Individual Dental Plans
Digital Platforms Like GoKlaim.com
Student Insurance Plans
Type of Braces Average Cost (CAD)
Traditional Metal $3,000–$7,000
Ceramic $4,000–$8,000
Invisalign (Aligners) $4,000–$9,000
Lingual Braces $8,000–$10,000+
Even with insurance that covers braces in Canada, out-of-pocket costs can remain high without proper claim management.
✔ Use GoKlaim.com to pre-check claim eligibility before starting treatment.
✔ Ask your dentist or orthodontist for a predetermination form to submit to your insurer.
✔ Make sure your policy includes orthodontic benefits (not just general dental).
✔ If you’re part of a flexible benefits program, consider allocating more funds to your HSA for orthodontic expenses.
✔ Check if your employer allows top-up plans or reimbursement options for adult braces.
If you don’t have coverage for braces:
GoKlaim.com is especially valuable for families renting in Canada who juggle multiple expenses. With easy digital access to benefit details, claim statuses, and document uploads, renters can:
For example, if you’re using a Canada Life or Manulife group plan, GoKlaim automates the claim routing based on your provider. It’s a game-changer for renters and students who want real-time visibility without long phone calls or confusing PDF forms.
Getting insurance that covers braces in Canada doesn’t have to be overwhelming. By choosing flexible benefit plans, maximizing HSA or WSA options, and using digital tools like GoKlaim.com, Canadians can make informed, cost-effective decisions. Whether you’re a parent budgeting for your child’s smile or an adult exploring Invisalign, aligning your coverage with your treatment plan makes a big difference in 2025.
Explore your plan — and if in doubt, GoKlaim it.
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Most braces coverage comes through group insurance plans like Canada Life, Sun Life, and Manulife. Individual dental plans may include orthodontics, but usually with a waiting period.
Yes, but it’s rare. Some employer-sponsored extended health plans cover adult orthodontics with a lifetime limit.
If your plan covers 50% of the cost and your total is $7,000, you’ll pay around $3,500 out of pocket, depending on your plan's lifetime max.
Absolutely. Braces are eligible under CRA-approved medical expenses, so HSA funds can be used.
Use GoKlaim.com to check HSA/WSP eligibility or consider financing plans at your orthodontist’s clinic.
Yes, though often limited. Many student health plans include up to $1,000–$2,000 in orthodontic benefits.
Use your insurer’s member portal or sign into GoKlaim.com for a simplified benefit summary.
Yes, if your plan includes orthodontics. Invisalign is typically reimbursed similarly to traditional braces.
Yes — through group benefits, digital platforms, or flexible plans offered via employers.
Usually between $1,000 and $3,000 depending on the insurance provider.
