Guardian Dental Insurance Review

Rating: 9.1 / 10 (Excellent)
50 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from some partners. 
Learn more.
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.

Leave a comment for Guardian Dental Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

50 Customer Comments & Reviews

Loading Reviews ...
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
Somerville, Massachusetts
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
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
Franklin Park, 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.

De L
, Texas
Horrible. They will give any excuse not to pay. Was told my husband’s procedure couldn’t be paid because they were considering Aflac to be the primary. During that conversation, was also told that the rest of the family would have Guardian as their primary because the policy is under my name. Son’s procedure not paid for because Aflac was considered primary. Surprise! Cancelling and letting the rest of our office know so they can cancel before wasting anymore of their hard earned money. Don’t waste your time or money.

Baldwinsville, New York
Presently Guardian is in a business relationship via a "leaseable" contract arrangement with DenteMax Discount Dental Plan whereby their preferred providers are having their arms twisted into accepting even ridiculously lower fees. In the long run they are separating their members from their family dentists who were already preferred providers of their dental insurance plans. This can be likened to an airline selling the seat of someone who offered to be bumped and then taking off without them. The rationale is that the willing traveler has identified themselves as a person that has flexible plans and can be exploited for profit.

Tualatin, Oregon
Above is NOT true. "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." Was denied coverage because it hadn't been 10 years since my original crown was put on. Mind you the crown cracked and my tooth was exposed. So, I asked, "leave it exposed and endure pain and get a root canal and then a crown, would that be covered?" Yes, Abigail, from Guardian Dental insurance said! Beware of the quality or lack of quality their insurance is. Their fine print above, is NOT true.

Tony S
Santa Ana, California
Absolute worst insurance company I have ever dealt with. I could write a lot here but why bother wasting peoples' time. Dentist submitted charge for a PORCLN Inlay; once they knocked it down to the considered charge of $544.00 they agreed to pay $36.90!! I did not use any portion of my 2,000 annual benefit and the deductible was only $50. Oh yes I went through the usual wait a few months and then have your dentist send in more X-Rays and then wait a couple more months for this!! I am going to ask my company to take me off their plan and buy something myself or just pay out of my pocket!!

Reseda, California
The worst insurance ever. They don't cover anything.

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)