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

Basic Life

In the event of your death, this plan provides your beneficiary with up to $2 million to assist in meeting financial obligations, such as their debts, expenses or taxes.

Family Life

Family Life provides you with up to $1 million in the event of the death of your spouse, to meet financial obligations, funeral expenses, the costs of childcare or other expenses. You can also get coverage for dependent and non-dependent children and those in post-secondary studies.

Permanent Life - Term 100

Term 100 offers life-long financial support to your dependents and helps meet your estate planning needs. The plan is called “Term 100” because you pay the same premium each year until age 100.

Permanent Life - Whole Life and Universal Life

Whole Life and Universal Life insurance protects your wealth and helps you meet your long-term financial and estate planning goals. These policies allow you to combine lifetime insurance with a tax-efficient accumulation of assets for your estate.

Accidental Death and Dismemberment (AD&D)

Provides you with compensation to help cope with the financial consequences of a serious accidental injury. Also provides a benefit to your beneficiary if you die in an accident.


Built with practicing dentists in mind, DisabilityGuard™ insurance helps protect your lifestyle and earning power from a disabling illness or injury that prevents you from working.

CDSPI Retiree Benefits

Provides continuing health and dental coverage for you and your family during retirement.

TripleGuardTM Associates

Combines protection for your contents, income and expenses and risk of a lawsuit. Insures against fire, theft, and liability suits arising from slip and fall claims. Protection offered in one convenient, cost-effective package.

TripleGuard™ Practice Owner

Combines protection for your contents, income and expenses and risk of a lawsuit. Insures against fire, theft, and liability suits arising from slip and fall claims. Protection offered in one convenient, cost-effective package.


Protects dentists who own the building they practice in. Available for a competitive additional premium.

Office Overhead Expense

Reimburses certain office expenses you incur if illness or injury prevent you from working. Helps cover the ongoing expenses of your practice in the event of a disability.

Dental Office Staff

Offers your dental-practice employees protection for three types of coverage—life, accident and disability insurance. Coverage types can be purchased together or separately.


Protects you in the event a patient makes a claim against you arising out of your professional services.

Ontario Excess Malpractice

Provides protection in excess of your mandatory primary policy in the event a patient makes a claim against you that arises from your professional services. Available to Ontario Dental Association members who are licensed to practise in Ontario.

Professional Legal Expenses Plan

Covers legal expenses related to an insurance company audit, a professional disciplinary or complaint hearing, and investigations concerning licensing or fitness to practise.

Travel Edge/Travel Edge Plus

Provides you with emergency medical coverage anywhere in the world outside your home province and includes a broad range of coverage. Available through one low premium that covers you for an entire year.

CDSPI Home & Auto

Offers a variety of advantages including 24/7 claims assistance and multi-line discounts. Provides preferred group rates for dental professionals, their spouses, staff, and dependents.

Personal Umbrella Liability

Provides extra coverage above your existing home, auto, boat, or vacation property in Canada—in the event of large lawsuits from third parties.

Undergraduate Package (under 40)*

Provides eligible undergraduate students with no-cost disability, life, accident and dental hand instruments protection while in dental school, as well as doubled amounts of life, disability insurance and AD&D coverage at graduation.

Undergraduate Package (ages 40-64)*

Optional Graduate Package*

With evidence of good health, you can apply for the Optional Graduate Package to receive even higher amounts of life, disability insurance and AD&D coverage at graduation.

TripleGuard™ Insurance*

As a student, dental hand instruments coverage is included in the undergraduate student insurance program* at no cost. Once you graduate, you have access to associate or regular office coverage at reduced rates if you are a graduate who participated in the undergraduate student insurance program.

*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.

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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