Guardian Dental Insurance Review

Rating: 9.1 / 10 (Excellent)
54 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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54 Customer Comments & Reviews

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Pittsburgh, Pennsylvania
I was told they would cover 2500 in my Invisalign by them. I get a bill in the mail stating I now owe that on top of my 3200 for them. The 3200 is what I am paying monthly on. I am not happy with this company and the falsified information I had received on it. The reason I was not covered is because I am over the age of 19.

Ali M
Suwanee, Georgia
I went in for a STANDARD CLEANING and they refused to cover the entire amount. First cleaning of the year, and with a provider that was "Guardian Approved", picked it off of their website list. AWFUL company doesn't want to cover ANYTHING. Run away.

Rocky Mount, Virginia
great network of doctors and processing of claims

I need a new onlay for my tooth. I had one done prior that's failing. Guardian refuses to cover work that's needed for my tooth. All I know is that I pay and pay insurance and only get the twice a year cleaning covered by guardian. Oh and BTW my dentist says a more than 10 year old crown needs replacement and Guardian won't cover that either....

Chicago, Illinois
I have been waiting months to set my primary care dentist, and have been unable to see a dentist. After setting a dentist it will either show "no PCD selected" or give you the incorrect dentist. Guardian provides zero customer service. Online the agent tells you to wait another month as per their policy, and on the phone it will continually transfer or hang up on you until you give up. There are no pro's, only cons. It's a complete scam - zero stars as it has provided me nothing but stress and expenses.

Murfreesboro, Tennessee
Guardian Dental Insurance is a fraud. My husband had to get some fillings replaced ASAP, and Guardian is denying coverage. We were apparently days away from fulfilling the "waiting period" for basic services, even though in my husband's case theses fillings were preventative care. They stated the waiting period was mentioned in a letter, which we never received. Don't buy this insurance. They take your money and don't provide the insurance they promise.

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

Gainesville, 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.

Oklahoma City, Oklahoma
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

Spring, 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

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)