Guardian Dental Insurance Review

Rating: 9.1 / 10 (Excellent)
48 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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48 Customer Comments & Reviews

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New York, New York
I filed a claim for a cleaning in April 2017 after having paid the doctor in full. Approx. $350 (including one x-ray). Called in late May to find out where my benefit check was and was told by very nice agent that a check was just cut that morning and would be mailed shortly. No check. Called back today, July 17th and was told that the check was mailed on April 17th but, goodness gracious!, I never received it. Argh. This reminds me of the bad old insurance days-check is in mail. So now an order has to be placed to cancel that check ($135) and it will be reissued. yes, I am sure of that. Aren't you? Also a claim for $1400 (crown) was never received although I know that it was sent by my... Read More

Ocala, Florida
I have never in my life had such a bad experience. From being in pain for weeks and weeks with no real help and now I have a broken tooth and NO ONE is available for a month. Thanks for nothing.

The fluent English costumers service call center is HORRIBLY RUDE when I called to find a dentist in the network. Called again, a different call center with accent English speaker was much more polite. The website for finding a dentist is a TERRIBLE NOT-USER-FRIENDLY site. I was forced to speak to a rude American CSR after 30 min repeatedly getting the same searching criteria screen. I was told I had to use the Advance search by the rude CSR. It still gave me the same original screen with additional criteria boxes. The plan covers only $2000 a yr and has rude English speaker CSR. We have to deal with bad dental ins and dental crooks trying to create dental problems to get our money and... Read More

Houston, Texas
The worst dental insurance ever! It is just not worth it. They are too difficult about covering your treatment and provide very minimal coverage anyway. They denied coverage for my wisdom tooth extractions by an oral surgeon reasoning that the general practitioner can do it in his office when the general practitioner was the one that referred me to an oral surgeon. I kept phoning the insurance and visiting offices of oral surgeon and my dentist back n forth for 3 months, in pain, but my matter was not resolved. My dentist wouldn't do it saying I need to go to the oral surgeon and I couldn't get it done from the oral surgeon because this insurance won't cover it. I ended up terminating the... Read More

Novi, Michigan

Schenectady, New York
I would give this company a zero if I could. They are the WORST DENTAL COMPANY IN 30 YEARS I have ever had! They processed a claim in for October 2016 and re-processed in MARCH 2017!!! That is 5-6 months later and then demands money back from my child's dentist saying they processed the claim wrong. Funny that every review I read says the same thing. They only sent the EOB stating that everything was covered. They Never sent an updated EOB in March that they reprocessed the claim. So we bring our kids in for a cleaning today and owe them over $250. This was for a basic cleaning for 2 children under 6. They say they changed their fee schedule for 37.50 for a cleaning!!! Are you joking me!!!... Read More

, Texas
They don't cover much of anything! They received an estimat from my dentist and said they would only pay but for a bacteria test and at the end they didn't now I owe and I can't get my painful tooth problem fixed!!! Canceling my coverage!!

Lonnie E
Oklahoma City, Oklahoma
The summary says Guardian Dental is reputable. Not in my experience! I work for a small business, and things are complicated with third-party providers and fourth-party managers, but Guardian dropped coverage for several employees, and no one knew until claims started being rejected. Guardian also refuses to answer questions. They fall back on the excuse of claims handling. If no coverage, no help, no consideration. Guardian admitted the mistake to the company, but it is painful. Guardian may pass audits, but they sure care nothing for their real customers, the little guys. I say plainly, Guardian sucks! Guardian did not check with their contacts. Guardian did not notify members. Guardian... Read More

Orlando, Florida
The policy states that one must see the dentist to which one is assigned. I made an appointment for my husband with the dentist to which we are assigned, but this dentist sees patients at an address that differs from the address he is listed at in the provider directory. Guardian denied the claim because the address was different. I was told that if my husband had seen a dentist at the assigned ADDRESS then they could make an exception. However, right dentist, wrong address is a deal breaker. This bait and switch makes me feel angry and helpless. Naturally, one cannot speak to anyone with any more authority than the customer service representative. So, now I will have to soak up $600... Read More

Winston-Salem, North Carolina
Signed up for plan through marketplace. On that site it said there was a $75 deductible per person then it paid 90% of out of network preventive charges. My wife had our dentist (out of network provider) submit their bill and they paid nothing. Now their customer service says there is a $150 deductible (still shows $75 deductible on gov't site) per person and they only allow $89 for the services billed, and even after the deductible is met, they would only cover 90% of what they "allow", not what the dentist charges. It is all a lot of lies and deceit with this company. Very poor coverage and very poor foreign customer service, barely speak English.

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)