Dental insurance in Spain for expats
Licensed Broker
DGSFP Registered
In Spain, most dental care is private – which means every check-up, filling and emergency visit can get expensive fast. We help expats find dental insurance that covers routine care, unexpected problems and major treatments with clear pricing and English-speaking support.
Example for a basic individual dental plan. Exact price depends on age, cover and insurer.
Dental insurance at a glance
Who is it for?
Expats, foreign residents, digital nomads and families living in Spain who want predictable dental costs and access to private dentists.
Activation time
Basic dental cover can often start within a few days. Some treatments (like major work or orthodontics) may have waiting periods – we explain these before you buy.
Documents needed
ID or passport, NIE or residency details if available, date of birth, and any recent major dental treatments.
Languages available
We advise you in English and Spanish. Many partner insurers also provide documentation and helplines in multiple languages.
Compare dental insurance plans
Choose the level of dental cover that matches your needs and budget
Preventive Dental – Basic
BEST FOR:
- • Expats who mainly want to keep teeth healthy and avoid big surprises
- • People who already have good teeth and just need check-ups and cleanings
NOT RECOMMENDED FOR:
- • Those who know they need crowns, implants or orthodontics soon
- • People with complex ongoing dental problems
Standard Dental – Everyday treatment
BEST FOR:
- • Expats and families who want cover for most common dental treatments
- • People who want predictable costs for fillings, root canals and extractions
NOT RECOMMENDED FOR:
- • Cases where several implants or complex prosthetic work are already planned
- • Full orthodontic treatment for multiple family members (Premium may be better)
Premium Dental & Orthodontics
BEST FOR:
- • Families with children who may need braces
- • Adults who expect crowns, implants or more complex treatments
- • Anyone who wants the most complete protection for big dental bills
NOT RECOMMENDED FOR:
- • Those who only need a basic check-up once a year
- • Very tight budgets focusing solely on emergencies
Dental insurance cost in Spain – what affects your premium
Dental insurance premiums depend on your age, the coverage level you choose, and any optional add-ons. Request a quote and we'll find the best-fit policy for your dental needs.
Price drivers
- Age: older applicants typically pay higher premiums
- Coverage level: basic preventive vs comprehensive with implants/orthodontics
- Family size: adding children and partners affects total cost
- Waiting periods: shorter waits for major work may cost more
- Network type: open-network or reimbursement plans cost more than closed networks
- Add-ons: orthodontics, implants, cosmetic options add to premium
Example profiles
Request a quote and we'll find the best option for your dental needs.
Quality dental care, predictable costs
Access private dentists across Spain with clear pricing and no surprise bills.
How to get dental insurance in Spain
We make it simple to find and purchase the right dental cover for expats living in Spain.
Tell us about your situation
Share a few details: your age, where you live in Spain, whether it's just you or also your family, and if you know of any upcoming dental work.
We compare dental plans for you
We check several insurers in Spain and filter out the plans that match your needs, budget and expectations – without trying to oversell.
We explain cover in plain English
We walk you through what is covered, waiting periods, network clinics and possible exclusions so you can make a confident choice.
You start treatment with peace of mind
Once you're covered, you can book appointments with dental clinics in the network, show your card or policy, and avoid surprise bills as much as possible.
Requirements and documents
Getting dental insurance is straightforward. If you're missing any documents, request a quote anyway and we'll guide you through what's needed.
We help with all the documentation for dental insurance
Checklist
Already have dental issues?
Pre-existing conditions are usually excluded at first, but many plans cover them after 12-24 months. Tell us your situation and we'll find the best approach.
"Most expats are surprised that dental care isn't covered by public health in Spain. Getting a separate dental plan is the best way to avoid expensive surprises at the dentist."
Maya Kallio
Licensed Insurance Agent, DGSFP
Compare dental insurance plans
Side-by-side comparison of coverage levels
| Feature | Basic€5-15/mo | Popular Standard€15-35/mo | Premium€35-60+/mo |
|---|---|---|---|
| Annual check-ups | |||
| Basic cleanings | |||
| X-rays & diagnosis | |||
| Emergency visits | |||
| Fillings | Partial | ||
| Simple extractions | Partial | ||
| Root canals | Partial | ||
| Crowns & bridges | Partial | ||
| Dental implants | Partial | ||
| Orthodontics (braces) | Partial | ||
| Teeth whitening | Partial | ||
| Wide clinic network | |||
| English-speaking support | Partial |
What's covered by dental insurance
Understand what's included, what you can add, and what's typically excluded from dental insurance policies in Spain.
Included
- Routine check-ups and oral examinations
- Scale & polish / standard dental cleanings
- X-rays needed to diagnose problems
- Fillings for cavities
- Simple extractions and some surgical extractions
- Root canals and related basic treatments
- Part of the cost of crowns, bridges or dentures (in certain plans)
- Emergency dental treatment for sudden pain or accidents
Optional add-ons
- Higher reimbursement for crowns, bridges and prosthetic work
- Partial cover for dental implants
- Orthodontics for children and teenagers (and sometimes adults)
- Shorter waiting periods for certain treatments
- Wider clinic network or freedom to choose from more dentists
- Extra cover for emergency dental treatment while travelling abroad
- Flexible cover levels for families (combined discounts)
Not covered
- Treatments carried out before the start of the policy
- Work that was already recommended by a dentist before cover began
- Purely cosmetic treatments (whitening, purely aesthetic veneers, etc.)
- Very complex implant plans beyond defined limits if not explicitly agreed
- Experimental or non-standard treatment methods
- Failure to follow dentist's recommendations leading to further damage
- Costs that exceed the maximum annual limits defined in the policy
Who can get dental insurance in Spain?
Most residents of Spain can get dental insurance. Here are some common scenarios we help with regularly.
Expats living in Spain
Living in Spain full-time or part-time? Whether you're registered as a resident or still settling in, we find dental plans that fit your situation and budget.
Read our dental guideFamilies with children
Children need regular check-ups and often orthodontics. We find family-friendly plans that cover the whole household with discounts for multiple members.
Read our dental guideSenior expats
Older adults often need more dental work – crowns, implants, dentures. We help find plans that cover major treatments without excessive waiting periods.
Read our dental guideDigital nomads
Working remotely in Spain? Dental insurance can be activated quickly and provides access to quality private dentists across the country.
Read our dental guideWhy choose us for dental insurance
We specialize in helping expats in Spain find the right dental insurance – with clear advice in English and honest recommendations.
We understand expat reality in Spain
Public healthcare rarely covers dental work, and prices can vary a lot between clinics. We help you navigate this as an expat so you're not surprised by the system.
Several insurers, one point of contact
We're not tied to just one insurer. We compare offers from multiple companies and help you choose the one that fits your teeth, your family and your budget.
Plain English explanations
We translate insurance jargon into normal language. You'll understand exactly what check-ups, treatments and limits you're paying for.
Support when big treatments appear
If your dentist suddenly recommends a root canal, crown or implant, we help you check how your policy responds before you commit to the cost.
Family-friendly options
We can find plans that work for couples and families, including children's check-ups and orthodontic options where available.
Experience with expat health & dental cover
We've helped thousands of expats in Spain with health and dental insurance. We know which insurers work smoothly in practice – not just on paper.
Copays and network pricing
Network plan (cuadro médico)
- Free or very low-cost check-ups and cleanings
- Discounted rates for fillings, root canals, crowns
- Must use dentists within the insurer's network
- Lower monthly premium
Reimbursement plan
- Choose any dentist in Spain
- Pay upfront, then claim reimbursement
- Typically 70-90% of costs covered
- Higher monthly premium
Most expats choose network plans for better value. We'll explain the trade-offs and help you decide which model suits your needs.
Dental emergency – what do I do?
Call your insurer's emergency helpline or your network clinic directly
Describe the problem (pain, swelling, broken tooth, etc.)
Visit the nearest network dental clinic for immediate care
Keep all receipts and documentation for your claim
Contact us if you need help navigating the process
Most dental emergencies are treated at network clinics without upfront payment. If you're abroad, your policy may have limited emergency cover – check your terms.
Family-friendly dental plans
Cover the whole family with check-ups, cleanings and orthodontic options.
Coverage areas
Spain nationwide
Access to network dental clinics across all regions of Spain, including islands.
Emergency abroad
Some premium plans include limited emergency dental cover while travelling in Europe or worldwide.
Repatriation
Not typically needed for dental, but complex cases may involve coordination with your health insurance.
Coverage details and limits vary by insurer and plan. We'll confirm exactly what's included before you commit.
"If you expect to need crowns, implants or orthodontics, a premium plan usually pays for itself within 1-2 major treatments. We can help you calculate the best option."
Marco Elsinger
Licensed Insurance Agent, DGSFP
Dental insurance terms in Spanish
Seguro dental
dental insurance
Cuadro médico
network of approved clinics/dentists
Copago
copay (your share of treatment cost)
Empaste
filling
Endodoncia
root canal treatment
Corona
crown
Implante dental
dental implant
Ortodoncia
orthodontics/braces
Limpieza dental
dental cleaning
Extracción
extraction
Prótesis dental
dental prosthesis/dentures
Período de carencia
waiting period
Frequently asked questions about dental insurance
Is dental care included in public healthcare in Spain?
For adults, most dental care in Spain is private. The public system may cover very basic or emergency treatments, but routine check-ups, fillings, crowns and other standard work are usually not covered. That's why many expats choose a separate dental insurance plan.
What does dental insurance in Spain normally cover?
It depends on the plan, but most dental insurance includes check-ups, cleanings, X-rays and a good portion of common treatments like fillings, extractions and root canals. More advanced work such as crowns, bridges or implants may be partially covered or available with higher-level plans.
How much does dental insurance cost in Spain?
Basic network plans start from €5-15/month per person. More comprehensive plans with reimbursement options cost €15-40/month. Family packages often offer discounts – a family of 4 might pay €30-60/month total instead of 4 individual premiums.
Does dental insurance cover implants and crowns?
Most plans offer implants and crowns at discounted prices (30-50% off) rather than full coverage. Without insurance: €1,000-2,500 per implant; with insurance: typically €400-1,200. Expect waiting periods of 6-12 months for implant coverage.
Are braces (orthodontics) covered?
Many plans offer orthodontic coverage at discounted rates (40-60% off). Some comprehensive plans include a fixed annual allowance (€500-1,500). There's usually a 6-12 month waiting period. DKV, Asisa, and Mapfre typically offer strong orthodontic coverage.
Can I get dental insurance if I already need treatment?
You can usually get a policy, but pre-existing conditions (teeth already needing treatment when you join) are typically excluded. Some plans may cover pre-existing conditions after 12-24 months. It's important to tell us if your dentist has already suggested specific treatments.
Is there a waiting period for dental insurance?
Basic services usually have no waiting period – check-ups, cleanings, X-rays start immediately. Major treatments like implants, orthodontics, and complex surgery often have 3-12 month waiting periods depending on the insurer.
Can I use my own dentist, or do I have to stay in a network?
Most affordable plans require using network dentists for best prices. Reimbursement plans let you choose any dentist but typically cost more and may only cover 70-90% of costs. Ask specifically about English-speaking dentists in your area.
Which dental insurers are best for expats in Spain?
For basic coverage, Sanitas and Adeslas offer good value network plans. For comprehensive care including orthodontics, consider DKV or Asisa. All have English support. We recommend comparing 3-4 options with a licensed broker.
Should I get standalone dental or add it to health insurance?
Bundling with health insurance is often 10-20% cheaper. However, standalone dental plans may offer better coverage or networks. Compare both options for your specific situation – we can help you find the best value.
Related dental insurance guides
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Customer Reviews
Based on 156+ reviews from expats across Spain
I had no idea most dental care in Spain was private until I got my first bill. They helped me find a dental plan that now covers check-ups and most treatments, and I finally know what I'll pay in advance.
Sarah L.
Valencia
Aug 2024
Our kids needed regular check-ups and possibly braces. We received a clear comparison of different options and chose a plan that gives us good discounts and partial orthodontic cover.
Jonas & Emma
Barcelona
Sept 2024
My dentist recommended a root canal and crown. Before starting, I contacted them, and they checked how my policy would respond so I wasn't surprised by the final cost.
Mark T.
Málaga
Jul 2024
Expert reviewed
Written and reviewed by licensed insurance agents Maya Kallio and Marco Elsinger, who have helped over 15,000 expats in Spain since 2012.
Maya Kallio
Licensed Insurance Agent
Since 2012
Marco Elsinger
Licensed Insurance Agent
10+ years
Languages: English, Finnish, Spanish, German, Swedish