Gaurdian Dental Insurance Review

#4 in Dental Insurance

Guardian Dental 

Guardian is one of the nation's leading providers of life and health insurance. It's 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.


















Latest Reviews

Start your review for Gaurdian Dental Insurance
Ryan Hildebrand
Gaurdian Dental Insurance review
very misleading product information and little to no member support.

Gaurdian Dental Insurance review
I have had more trouble with this insurance. I have gone to the same place for dental services for four years. Several times during this time when we go, we have been told that we no longer have coverage with our dentist because our service provider has been switched. We have never been advised of this except when we go to an appointment with the same dentist and insurance, and suddenly, we have no coverage again and have to have it switched back. The lack of communication with this company is ridiculous. Also, my son was dropped when he turned 19, and we found out because we went to an appointment and were told he has no coverage as of a month earlier. I asked the person on the phone how I could create a policy for my son and he knew nothing. The changes without communication and lack of coverage have left me with no other choice but to find other coverage. I have no idea how this company can have good ratings.

Rebecca I
Teaneck, New Jersey
Gaurdian Dental Insurance review
This company has been a nightmare from the beginning. They assigned me to a dentist that had a terrible reputation and who didn't answer their phone. When I tried to switch my provider because of a dental emergency and I couldn't get in touch with the dentist they assigned me, they wanted me to wait a month. Then they had to have the dentist send a letter to them and when I called to confirm that they received it, they said they had no way to know if it was received. Altogether, I spent 6-7 hours on the phone with them over the course of 3 weeks in order to address my EMERGENCY. I had an infection in my tooth and eventually just went to urgent care for antibiotics. Then today (7/2), I get a letter saying that I have no coverage as of 4/30 (this emergency has happened since then) because I didn't pay my bill! I DID pay my bill and their backwards antiquated website didn't process it! I didn't get a single warning email or letter or phone call to say that I had missed payments and I was totally blindsided by this. AVOID THIS COMPANY AT ALL COSTS!!!!!

Quinton L
Scottsdale, Arizona
Gaurdian Dental Insurance review
I had a crown done on a tooth that had heavy trauma damage when I was 8 years old. I then got a letter stating Guardian wouldn't cover because it was not needed. I have been to 6 different dentists in the past 20 years and they all said I would have to replace the tooth as soon as it started discoloring. I noticed some discoloration so I had it replaced and now Guardian does not want to pay the claim. I asked who the dentist was and they told me they use Licensed Independent Consultants and mine was named Dr, Todd Weller. I will obviously be reporting him to the Dental board once I get an email back for which state he is located in.

Upset Customer
West Palm Beach, Florida
Gaurdian Dental Insurance review
Sadly Guardian Dental Insurance has provided one of the worst experiences I have ever had with an insurance company. They claim that they are providing a service, but upon trying to use it we are getting blatant NO as a response. Dentist says tooth must come out and I cannot remove it. Just to go to a specialist that says "Yes I need to remove this". Upon submitting to insurance company it never gets approved. On top of all of this after paying them for the insurance coverage they are constantly acting like they even have a say in the matter. We have paid for this exact thing for years now, and now when we are trying to get a wisdom tooth out the only answer we get is NO. I will never again use Guardian.