Insurance solutions built for dental professionals. Delivered with expert advice.

Tailored exclusively with dental professionals and their families in mind, CDSPI offers a broad range of insurance plans to meet your personal and professional needs. And our experienced insurance advisors provide advice on how to protect you and your practice against potential risks.

CDSPI represents the buying power of the Canadian dental community, which means we:

  • Offer insurance solutions that are competitively priced;
  • Form strategic arrangements with leading insurance companies; and
  • Develop customized insurance solutions for the dental community.


Our expertise and sole focus on dental professionals make us the insurance source that the dental community has come to know and trust.

Our Insurance Plans

Dental Office Staff

Permanent Life - Term 100

Special Rates for Basic Life, Family Life, Long Term Disability, or Office Overhead

Convert Basic Life Insurance and/or Family Life Insurance to Term 100 Life Insurance

Application for Non-Smoker Premium Rates
(Basic Life, Term 100, Family Life, Dental Office Staff Insurance, Long Term Disability, Office Overhead Expense)

Malpractice for Dental Therapist

Undergraduate Package (Under 40)*

Undergraduate Package (ages 40-64)*

Optional Graduate Package*

TripleGuard™ Office Insurance

*Coverage is offered at no cost to you until December 31st of your graduation year, if you are an eligible full-time dental student at an accredited Canadian university. Premiums for the following three years are then reduced to 50% of the regular premium for Basic Life and Accidental Death and Dismemberment insurance plans, and at a lifetime reduction of 15% on regular premiums for DisabilityGuard™ Insurance. Students 40 and over are subject to medical underwriting for Undergraduate and Optional insurance plans.

Travel Edge/Travel Edge Plus

Pre-Authorized Chequing Plan

*If the name(s) on the CDSPI account and the bank account to be debited are the same and are not corporation names, use the online form. Otherwise, print a PDF form that you can complete and return by fax, email or post.

Lost Policy

Assignment / Ownership

Change of Beneficiary

Looking for objective
advice about your finances?

Meet with an
experienced advisor.

What are other dentists saying about CDSPI?

I was pleasantly surprised at the level of customer service I received from CDSPI. They sent a refund cheque on my life insurance premium that I missed. They followed up with an email and phone call to make sure I received the refund, and reissued the cheque for me too.

Dr. Christine Hibberd
Orthodontist, Ontario

I just knew I could count on CDSPI. When I found out they were a not-for-profit, that clinched it for me. I also learned they sometimes reduce premiums when there are fewer claims. What other company would do that?!

Dr. Raylien Cho
Associate, British Columbia

CDSPI’s travel insurance is a great advantage for dentists. I’ve checked with other insurance companies and it’s a lot less costly for the same coverage. Then you add the level of service and it’s a really easy decision.

Dr. Bob White
Retired Pediatric Dentist, Ontario

I’ve had insurance and investments with CDSPI since I started practising 42 years ago. The main thing I looked at was their low administration fee and the fact that they weren’t on commission, which is important to me. I always felt that they worked with my best interests at heart.

Dr. Jerry Wowchuk
Transitioning to Retirement, New Brunswick

The “free insurance” [that CDSPI] provides is an obvious benefit, and the financial advice is especially important at a time when many are looking at massive student debt upon graduation. I support the Student Program, as CDSPI provides dependable insurance and investment advice to the dentists of tomorrow.

Dr. G.W. Johnson
University of Saskatchewan, College of Dentistry

CDSPI has been helpful in supporting my local (HPDA) component society on several occasions with expert presentations with knowledgeable advice.

Dr. Brenda Thomson
Transitioning to Retirement, Ontario

Insurance Articles

High Costs and Nature’s Fury: The Dual Threat to Dental Practices Today

Two of the biggest global stories of 2023 have been inflation and extreme weather. On their own, each has the ...

Resources to protect your dental practice from a flood

In Canada, floods are the most commonly experienced natural hazard1. Our insurance partner, Zurich Canada, has prepared a list of ...

Be Aware: Car Theft is on the Rise

At CDSPI we understand the importance of protecting your assets, including your vehicle. Unfortunately, car theft is on the rise, ...

How to prepare your home for a wildfire

By: The Personal Did you know over 7,4001 forest fires occur in Canada every year? Most of them are caused by ...

Hassle-free travel: Proven tips for a stress-free trip

Traditional travel tips remind you to have a valid passport and pack comfortable shoes, but there are other considerations that ...

Co-Insurance and the 90% Rule

The co-insurance clause is a clause found on CDSPI's TripleGuard™ Building Insurance. It's important to understand how it works because it ...

Simple tips to find the right home insurance coverage

Regardless of whether you own or rent your home, the right home insurance helps ensure your space and your possessions ...

Best Practices for Dentists Treating Newcomers

As a dentist you feel confident providing the best treatment when it comes to your patients. You take extra care ...

When You Can’t Work

Every month, an insurance premium is deducted from your bank account; representing the confidence of knowing that if you can't ...

Dash cams can provide economical and effective protection to drivers

The popularity of buying a dash cam is rising, and for several reasons-including the fact that they have become much ...

Are You Financially Prepared for Maternity Leave?

There are many challenges young families face such as figuring out how to manage finances, work, debt, and plans for ...

Dr. Jeff Williams shares his personal experience with a career changing disability

When it comes to insurance, it's easy to get hung up on the monthly cost-the money you have to give ...

Outdoor living and your home insurance

Transforming a backyard into an oasis can be both a fun project and a worthwhile investment. Here's a list of ...

What is equipment breakdown insurance and how can it protect your dental practice?

Have you ever wondered what might happen if your dental equipment breaks unexpectedly? There is a really helpful option on ...

Malpractice suits are common. Here’s how to protect yourself.

At some point in your career, one of your patients may have an unexpected reaction to a procedure or claim ...

Avoiding Home Insurance Headaches

Did you know that coverage for sewer back-up and water seepage through the roof aren't automatically included with most home insurance policies? Know your ...

How to prepare your home for a wildfire

Did you know over 7,4001 forest fires occur in Canada every year? Most of them are caused by hot temperatures ...

Preventing spring water leaks

Ah, spring! The snow has its last hurrah and warmer days are back for good...or almost. Since spring also means ...

How to prevent snow and ice damage on your house

With the current pandemic and subsequent lockdowns in certain areas, we continue to spend more time at home than usual. ...

6 common winter car problems – solved

With winter’s coldest months now upon us, there are a whole host of issues we can run into with our ...

5 Ways Insurance Coverage Can Protect Your Dental Practice

If there were a fire, storm or earthquake that damaged your practice, would you be able to manage without income ...

7 New Year’s Resolutions for Your Home

After a challenging and unpredictable year, many of us are ready for a fresh start in 2021. And since COVID-19 ...

Good Disability Insurance Choices Can Lead to Good Outcomes

You have many choices to weigh when you apply for and maintain CDSPI DisabilityGuard™ Insurance. Dentists who make the right ...

5 Ways to Protect Yourself from the Unexpected

Having the right insurance can protect you, your family, your practice and your lifestyle against unforeseen events. As you might ...

Fall Home Maintenance Tips

As the fall weather sets in and we continue to spend more time at home, this is a good time ...

Tips to Maintain your Home

When you find yourself with a little extra time on your hands, consider undertaking the home maintenance you may have ...

Extreme Weather is the New Normal

From devastating wildfires to major flooding and tornados, Canada has experienced many extreme weather events, and they appear to be ...

Disability coverage – don’t get it and forget it

Consider this scenario. When you started practising, your annual earned income1 was about $120,000 and you purchased enough disability insurance ...

6 Tips for Safe Winter Driving

There are many great reasons to love living in Canada—winter driving is not one of them. Safety is the main ...

Are You Keeping Your Practice Safe? 7 Commonly Asked Questions

Buying or building a dental practice is a major decision for many dentists. Once your decision is made, the next ...

How to Avoid Being Scammed After an Accident

Getting into a car accident is a stressful event. It can be a time of confusion, anxiety and vulnerability. There ...

7 Ways to Avoid Distracted Driving

Data shows that distraction is responsible for more road fatalities than impaired driving.1 Texting is the main culprit, to be ...

A Disciplinary Hearing—It Could Happen to You

A disciplinary hearing or investigation is a serious—and potentially expensive—matter. No dentist wants to experience a hearing, but if the ...

Step or Level Payments—What’s Right for You?

There are so many disability insurance products to choose from-each with their own unique options. Sometimes it can be difficult ...

When Your Practice Has a Really Bad Day.

There are so many types of insurance available, it can be tricky to figure out what coverage you need. What ...

Dentist Survives Potentially Fatal Spider Bite

Dr. Bob Whyte is a pediatric dentist who loves to travel with his wife Barb. On a trip to Peru ...