Why This Matters
Accidents and dental issues can happen anytime, and dental care can be expensive without coverage. Importantly, BC school districts generally do not automatically pay for student injuries or dental care. Parents or students must cover those costs or buy extra insurance. That’s why many families choose a student accident or health plan. In short, knowing your coverage helps you avoid surprise bills and makes it easier to get care when needed.
Overview of Plans
K–12 Student Accident Insurance
BC school districts do not provide automatic dental benefits, but most districts allow parents to buy optional accident insurance for their children. These voluntary plans run for a full year (typically Sep–Sep) and cover students both at school and at home. Participating in one of these plans means dental costs from accidents (as well as other emergency expenses) will be partially reimbursed by the insurer.
Post-Secondary Health & Dental Plans
Most BC universities and colleges include a student health & dental plan (often run by the student association). Full-time students are usually automatically enrolled via tuition or student fees. Each plan has its own rules, but all aim to cover routine dental care for students. If your school has a student society or union, check their website for plan details.
What’s Typically Covered
- K–12 Accident Plans: Dental treatment from accidents, broken teeth, orthodontic work due to injury, and other emergency dental costs.
- Post-Secondary Plans: Preventive and basic restorative care such as exams, cleanings, fillings, extractions, and some oral surgery. Coverage amounts range from $600 to $750/year.
How to Use Your Coverage at Willow Dental Care
- Bring Proof of Coverage when booking.
- Check Your Plan Details or ask us to help review them.
- Use Direct Billing when possible. We work with many student plans.
- Ask About In-Network Discounts if your plan offers them.
Vancouver Student Dental Insurance Plans
| Institution | Level | Plan Name | Coverage Summary | Link to Details |
|---|---|---|---|---|
| Vancouver School District (No.39) | K–12 | Family Accident Reimbursement Plan | Accident injury coverage (including dental injury) | Link |
| Surrey Schools (SD36) | K–12 | Student Accident Insurance | Covers medical/dental costs from accidents | Link |
| Langley School District (SD35) | K–12 | Optional Student Accident Insurance | Accident coverage (includes dental injury treatment) | Link |
| Sea to Sky SD (No.48) | K–12 | Student Accident Insurance | Accident coverage (includes injury-related dental costs) | Link |
| Richmond School District (SD38) | K–12 | Student Accident Insurance | Accident protection (includes injury-related dental treatment) | Link |
| UBC (Vancouver Campus) | Post-secondary | AMS/GSS Health & Dental Plan | Dental (up to $750/yr at 40–70%) plus network discounts | Link |
| SFU (Burnaby/Vancouver) | Post-secondary | SFSS Health & Dental Plan | Dental: $700/yr, 70–80% (up to 100% via network) | Link |
| Emily Carr University | Post-secondary | ECSU Extended Health & Dental Plan | Preventive/restorative dental, vision, Rx, life insurance | Link |
Need Help?
Not sure if your school provides dental insurance or how to use it? Contact Willow Dental Care, we’ll help you check your eligibility and make the most of your student benefits.
Call us or visit our Contact page to book an appointment.
