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When you take out international health insurance through William Russell, you have the option to select cover for a wide range of dental treatments for you and your family.
Natalie Harris
International Policy Services & Retention Manager
Dental insurance for expats covers non-national residents for a range of dentistry treatments administered at a private dental practice. Some of the treatments that may be covered include:
Oral health is one of the world’s biggest health concerns. Despite the fact that many dental conditions can be easily prevented, most low-income and middle-income countries worldwide are unable to provide a high standard of dental healthcare. That’s where dental insurance can help.
This is something expatriates must be conscious of if they are planning to move, or are already living, abroad.
It’s practically guaranteed every expat will need to visit the dentist at some point – and when that time comes, you’ll want to make sure you’re getting the best possible treatment to maintain your oral well-being.
When you take out international health insurance through William Russell, you have the option to select cover for a wide range of dental treatments for you and your family members.
We offer two types of upgradable dental insurance plans: Dental Basic and Dental Plus.
However, even if you don’t upgrade to Dental Basic or Dental Plus, you will still have the following dental coverage for you and your dependents:
If you feel like you want a higher level of dental cover, you can upgrade to Dental Basic or Dental Plus. Here’s what they cover:
Dental Basic is included as standard on Gold plans and is an optional extra for SilverLite and Silver plans.
With Dental Basic, in addition to the above emergency restorative treatment, you’ll have dental coverage for the following dental costs:
Dental Basic requires a six-month waiting period.
Dental Plus is optional for Silver and Gold plan members.
Silver plan holders wishing to choose Dental Plus must also select Dental Basic.
Dental Plus provides additional dental benefits and services covering:
Dental Plus requires a ten-month waiting period.
It’s important that you know what isn’t covered by this dental benefit. If you have any questions about coverage, please call one of our policy advisors for help.
Here’s a detailed breakdown of what is and what isn’t covered for dental care in each of our plans:
Bronze
SilverLite
Silver
Gold
We’ve made it as easy as possible for you to claim for your dental treatment, and you can call one of our policy advisors at any time for help. To claim, simply tell us by following these steps:
Step 1
Download our claims form by clicking on the link below.
Step 2
Complete the form and send it back to us at claims@william-russell.com.
Step 3
Once we have assessed your claim, we’ll be in touch to confirm the next steps.
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The quickest way to reach us is by email.
From your first contact with our team, you’ll deal with a named advisor, each one an expert in international health insurance. At William Russell, you’re valued as a member, not a potential claimant or a policy number. You’ll also have access to top hospitals and English speaking doctors locally.
Insurance is about trust, so we believe in being fair and open. We’re not just an insurance provider, we’re a healthcare partner. Find out what our members are saying.
Here are some of the most commonly asked questions about the international dental insurance cover on our health plans. If you can’t find what you’re looking for here, or would like to speak to our award-winning customer service team, please call us on +44 1276 486 477.
The statistics surrounding dentistry and oral health highlight that this is an area of growing concern. The UK’s Oral Health Foundation reported in 2020 that:
Worldwide, the scale of the problem is even greater. The World Health Organization (WHO) reports that oral diseases affect roughly half the global population, with oral cancers the third most common type of cancer in the Asia-Pacific region. Furthermore, the WHO reports:
The scale of the global oral health crisis cannot be under-stated.
Unfortunately, we can’t provide coverage for orthodontic and periodontic consultations and treatment.
In some countries, many types of dental treatments are only available privately
Even in countries with subsidised or public dental healthcare, you may still have to pay a share of the cost for certain procedures.
As of 2019, the ten most expensive countries for dental care worldwide, based on the average price of dental implant, are:
Source: Statista
Global health insurance (also known as international private medical insurance) gives you access to private healthcare around the world.
While most domestic health plans only cover you in one country, international health plans cover you in multiple (or even all) countries. They’re great for people who live and work abroad, or who spend lots of time travelling. Some international medical plans also include emergency medical evacuation cover so you can access urgent treatment even if it’s not available in your location.
Some countries provide dental care under their universal healthcare policies, which includes students. Other countries may ask you to pay for dental treatments but offer free or discounted dental care for students.
If you’re a university student, you may also be eligible to receive free or discounted dental treatment through your institution.
However, generally speaking, it’s advisable for students to take out dental healthcare cover when living abroad. Having an international dental plan will help in certain situations, for instance where emergency dental treatment is needed.
Dental care is subsidised but not free in the United Kingdom. If you have an NHS number, you will be eligible to sign up at an NHS dentist. This is assuming you can find one – many British dentists have long waiting lists for new patients.
An NHS dentist will ask you to pay certain fees, but you may not need to pay the full amount for certain treatments.
If you’re an international student in the UK and you’re enrolled in full-time study for a minimum of six months, you can access subsidised dental care under the NHS (a yearly immigration health surcharge applies). Keep in mind that NHS dentists have long wait times for new patients.
If you’re not a full-time student in the UK studying for at least six months, then you’re not eligible to use the NHS or its dental services. Instead, depending on the length of your stay, you can take out private international health insurance with dental coverage or travel insurance with dental cover.
It depends on your insurer and health plan. Here at William Russell, all our plans come with emergency dental coverage. You have the option to add routine dental care (e.g., cleanings, fillings) to our SilverLite and Silver plans.
For complex dental care, you can add complex dental coverage (e.g., crowns, inlays, bridges) to our Silver plan. Gold plans come with routine dental care, with the possibility to add on complex dental care.
William Russell has over 30 years of experience in medical and dental insurance for international students. As a family business, we provide personalised service to parents and their children studying abroad. We put your safety and service first with 24/7 support. For example, you’ll always speak to a friendly claims manager, never an automated call centre.
All international health plans from William Russell come with emergency overseas dental insurance cover. In addition, students will have cover for emergency medical evacuation, mental health benefits, and routine medical care. Parents can even add more complex dental care coverage (depending on the plan).
If you’re on vacation, you may be eligible for emergency dental care cover through your travel insurance. However, your local health insurance or company insurance may not work overseas to cover a dental emergency.
If you travel extensively or plan to, you may want to consider getting dental insurance overseas through an international health insurance provider. All overseas insurance plans from William Russell include emergency dental cover for expats.
Private dental care in the UK is notoriously expensive. Depending on the treatment required, you may be expected to pay hundreds or even thousands of pounds for a treatment.
It is therefore highly recommended you take out international healthcare cover with dental insurance if you are planning to move to or study in the UK.
Dental implants are covered with Dental Plus, which you can add-on to our Silver and Gold plans.
In most cases, we can provide health insurance with dental coverage only to expats. By expat, we mean people living and working outside of their country of nationality (e.g., a Dutch national living in Taiwan or a Canadian national living in India).
Typically, our members reside permanently in a foreign country. But we can sometimes provide health insurance with dental cover to people expecting to spend at least 6 months of the year living or travelling abroad. In certain countries, we can cover people living in the same country that issues their passport. These countries include Botswana, Kenya, Nigeria, Mauritius, Estonia and Malawi (see the full list here).
We can provide dental service cover to people of all nationalities in most countries around the world. You must be under age 76 when your plan starts, and you must be living or working in a country different from your country of nationality.
Making a dental claim or other type of health claim with William Russell is really easy.
If you need to claim for a dental benefit or treatment, you just pay for the treatment up front, then send us the bill for reimbursement. Instead, for inpatient emergency dental treatment, there’s a different procedure. In medical emergencies, we would already be in touch with the hospital and settle your bill directly with the medical centre.
All the benefits on this webpage are per member per policy year, unless we state otherwise. We show the benefit limits in US dollars, but we can also denominate your policy in pounds sterling or Euros. You won’t find complete information for our plans on this webpage, nor the full T&Cs, limitations, and exclusions that would apply if you purchase a health insurance policy. You can find complete information in the plan agreement, which we suggest you read together with this webpage. We work hard to ensure the information we provide on this webpage is accurate and up-to-date, but inaccuracies are possible. We rectify errors as soon as we become aware of them. The T&Cs that apply to your policy are those found in your plan agreement.
At William Russell, we have over 30 years’ experience of helping expatriates move abroad and settle into their new lives overseas by providing world-class international health insurance.
Joe Holden Global Relationship Manager
If you’re ready to see prices for health insurance, click on ‘Get a Quote’ below to head on over to our online quote tool.
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A couple of days after you’ve received you quote, Joe will email or call you to find out how we can help you further. Joe won’t bug you, and you can opt out at any time.
It’s filled with handy information and tips for expats.
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