Guardian Dental Insurance Review

Rating: 9.1 / 10 (Excellent)
55 Customer Comments & Reviews - see all comments
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Guardian Life Insurance Co. is among the largest mutual insurance companies in the nation. Founded in 1860 and headquartered in New York, Guardian offers a wide array of products, including life and health insurances and financial services. Guardian employs more than 3,000 agents in over 70 locations across the country and holds an A+ rating with the BBB.

Guardian Dental 

Guardian is one of the nation's leading providers of life and health insurance. Its dental insurance arm, Guardian Dental, provides a wide range of plans that are tailored to meet individual and group needs. 

What's Included with Guardian Dental

Plan Reviewed

DentalGuard Preferred (Core Plan and High Plan)

How much does it save you?

100% percent savings on preventive and basic care services, zero coverage for major care but 50 percent is given for premium plan holders.


Monthly premium $25.46 
Plus one Dependent (spouse or child) $50.22
Member, spouse and child(ren) $93.85

Annual Maximum


Treatments Covered and Reimbursements

Preventive, Basic and Major services covered under premium plan. 

Fine Print

Crowns, Inlays, Onlays and Labial Veneers are covered only when caused by decay or injury, and only when the tooth cannot be restored with amalgam or composite filing material.

The total number of cleanings and periodontal maintenance procedures are combined in a 12 month period. 

Restrictions may apply to composite fillings.


Guardian Dental is a reputable provider of dental insurance plans. Its extensive network of dentists makes great savings possible for those searching for a quality dental plan.

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55 Customer Comments & Reviews

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Dallas, Texas
Sorry excuse for dental care insurance. I upgraded my coverage to their 'High Plan' with the belief that would help ensure reasonable coverage for any issues I might have. I have since discovered that GDI actively works to deny claims, in full or partial, in an apparent effort of cut costs on their side. You are then required to work through a poor automated phone service to access customer service only to be given hoop after hoop to gain reconsideration. It is an unreasonable burden on the patient/planholder and their medical/dental provider to have to spend so much time justifying and rejustifying only to be pushed back the appeals process again. Make no mistake, this is not good... Read More

Newark, New Jersey
I signed up for dental insurance at the beginning of 2018 (Guardian Advantage PPO Silver) and went to the dentist and got a deep cleaning of my entire mouth. When reaching out to guardian to follow up on my claim after the work was completed, I was told that a deep cleaning is different from a regular cleaning. A regular cleaning is considered as preventive work but a deep cleaning is considered major dental work and is not covered under my policy until after being enrolled for one entire year. I don't know how they get away with this, I opted for a deep cleaning as preventive measure, I do not have any cavities and i don't understand the difference between a deep cleaning and regular... Read More

Bruce B
Chicago, Illinois
I've submitted two claims. I've submitted the paperwork for both claims twice. The first claim was denied because they sent additional paperwork, which was completed and returned not once, but twice. They state they've never received the additional paperwork. The paperwork for the second claim was submitted twice, each time separated by one month. Two months later, they have yet to acknowledge it. I'm cancelling our coverage. The choice of participating dentists in our area is not very good.

Atlanta, Georgia
I find it extremely hard to believe that this is a 'Top rated" insurance company. After having to deal with them over the last 2 months, I feel the need to warn people, if they are given a choice. Understandably, you have to go with the insurance offered by your company. I have spent over 2 hours on 4 separate calls to give them the information they keep telling my Dr they need. They claim that I am the only one who can give them this information, not the Dr. office. I have called numerous times to give them this information, each time they say they do not need it & do not know why the Dr. tells me this. During this time I also received a letter from Guardian asking for this same... Read More

San Jose, California
Unfortunately I've had bad experience with GDI but thing are getting better. One example is trying to get a replacement bridge approved. My Dentist sent 2 requests with x-rays to Guardian and did not receive any response. I took the reins and called Guardian one day. The rep told me there was no record of for a bridge replacement. She but me on hold, got back to me and said the request was waiting approval. I replied, "I thought your records showed not requests." She said it was seen further down the document she was reading and Guardian would call me back in two hours to let me know the results. Yes, guessed it, I did not receive a telephone call. I called back the next day, got the... Read More

Ripped c
Flower Mound, Texas
Dont ever take this insurance. Lot of dental providers within their network refuse to accept them initially. Their co-pays are so high that I was able to get cash price (w/o insurance) on almost all their services equal to their total co-pay. So why should we get their insurance. So effectively, I have gotten my dental care done with cash without insurance. I just keep paying their premium. Just cancelled their insurance. The biggest gotcha....they keep deducting your monthly premium silently. They said and and so did marketplace, that if you dont pay next premium due, the insurance will cancel automatically. I used a debit card to pay their one month premium for one month without... Read More

Houston, Texas
very bad insurance, very bad policies, they are very rood, they don't allow the patient to see the dentist only must wait 3 days, they collect the money automatic from the bank account each month, i was in pain and i call them many times , i spoke to many deferent persons, serious and honest the service is very bad, i advice the people to go to another insurance company, better service, better benefit and the customer service more nice and professional service than guardians, guardian they never have a professional service they don't care if the member on pain or die they got nothing to do, just take the money and they want to drag the person feet to their bad service and stuck with... Read More

Maureen C
, Pennsylvania
I have had guardian through my husbands employer for more than a year. I have been trying to get a claim paid since July 7th 2016. They keep asking fr the same information. I keep sending it. I ask to speak or email or chat with a manager and get told "let me help you" and NOTHING! I end up getting the same letter in the mail. They are horrible. I have NEVER had dental insurance company work so hard at not paying your claim. I wish I could give them negative stars!

Donna R
Atlanta, Georgia
I have dental insurance with them as of January 1, 2018. It has been a month and have not received my insurance card. I was told to do this Dental & Vision – Guardian does not issue cards for these benefits; generic cards can be downloaded from the participate portal. You can access this portal at https://www.guardiana/ Login / Register > Register Now > Member > Complete online form. My card is not there as of 1/31/2018.

Derek D
River Forest, Illinois
The worst service I got in my life. At the first they cancelled my policy without my knowledge, than they apologized when I called . They put it back. I already cancelled 1 appointment I had with dentist from network. I made another appointment and they said this dentist does not accept new patients. The dentist does accept new patients that is why she made appointment with me, they now better. I terminated policy with idiots.

Top Rated
Our Partner
9.8 / 10
  • Unlimited Use
  • Pre-Existing Conditions Included in Plan Savings
  • Plans Start at $99/Year for Discounted Rates on Dental Procedures
  • 100,000+ Dental Access Points Nationwide
  • A+ Grade with the BBB
  • Voted #1 in Ethics by Dallas Morning News
  • Discount Dental Plan (Not Insurance)