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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Alyssa F
Boiling Springs, South Carolina
I pay for a premium plan every week through my employer. I've used Guardian once for a cleaning, dealing with the in network provider was great experience and I didn't have to pay anything. Everything was great until one day I called in to see which cosmetic procedures were covered by request of my dentist. The lady spoke with a foreign accent that I could hardly understand and she kept repeating that braces are only covered for children up to 19. I said ma'am I'm asking about cosmetics, after telling me twice that cosmetics are not covered i said so crowns and teeth whitening are not covered? She said again, cosmetics aren't covered. I know this isn't true because I scheduled an... Read More

Bobby B
Van Alstyne, Texas
I have Guardian Anytime dental insurance. Went to one of their listed providers today Mid West dental in Mt. Vernon MO. Was quoted $6,000 for a upper denture and lower partial. They want 4 grand from me and a little less than 2 grand from the insurance company. What's the point of having insurance if it covers so little? I have the HIGHEST available plan for my employers group.

Chicago, Illinois
This company offers some coverage at a reasonable price... However should you need to contact them... the customer service is god awful and the billing is a nightmare... Getting information on this billing is even worse.... Hope you like talking to a phone system which hangs up on you more than routing you.

Linda H
Kiefer, Oklahoma
Guardian paid only $331.00 and left me paying $728.00 on a porcelain crown, with no discount...... Not a good dental insurance.

Lance L
Tampa, Florida
A nightmare!!!! Purchased through the marketplace, it's been one disaster after another. RUN! the other way

Ellice L
Belcamp, Maryland
Despite all the other reviews, I'm raising a frustrating problem I've had with Guardian. When my husband needed a couple of implants, I added him to my dental coverage to help offset the expenses after discussing the benefits with both Guardian and our dental provider. Both acknowledged that the procedure would be covered. To prepare for the procedure which we planned for during the first month of his new insurance coverage, my husband had the bad tooth extracted the prior month. Guess what? There's a little-known "missing tooth clause" that apparently gives Guardian an out for covering the implant if the tooth was missing prior to the coverage period. Neither the dental provider (nor... Read More

Ricardo R
Fort Lauderdale, Florida
Very bad, you get a huge list of dentists working in the area of orthodontics but when you start to call to make an appointment allthe dentists told me that no longer work with Guardian because they have had many problems with the company. Don't recommend it

Michele B
Urbana, Illinois
I have been trying for 2 months to set up a primary care dentist in order to start receiving dental care. When I first looked into the plan there were multiple dentists in my area. Now when I search using Guardian's website it says there is no one in my area. I have called their customer service number at least 6 times and am always forced to leave a message and no one has every returned my call. I have also tried emailing them and no one has returned my emails. In addition, they automatically bill my credit card for the premium every month and there is no way to stop the automatic payment. I have been paying for coverage that I really am not receiving since I can't see a dentist yet. This... 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)