No-Cost Insurance for Dental Students

Protecting yourself financially with the right insurance is important at every age and stage of your career–and this also applies to you as a dental student!

Here’s how CDSPI’s no-cost student insurance can benefit you:

Dental Hand Instruments Insurance
Don't pay for them twice! Protect your dental hand instruments from theft or damage with TripleGuard™ Insurance.
Disability Insurance
If you were unable to continue your studies due to disability, you are eligible for this monthly income.
Life Insurance
Basic Life Insurance helps you guarantee a future practice loan and protects your family by helping to pay off student loans in the event of your death.
Accident Insurance
Accidental Death and Dismemberment Insurance provides additional financial support in the event of a serious injury or death from an accident.

As a student, you have three great no-cost insurance packages to choose from!

Basic: No-Cost Undergraduate Package (Under 40)

With a simple application, students under age 40 qualify for the no-cost insurance offer. View the sample policy.

Basic: No-Cost Undergraduate Package (40+)

With a simple application, students ages 40-64 can qualify for the no-cost insurance offer. View the sample policy.

Optional: No-Cost Graduate Package

You can be approved for increased coverage limits after graduation by completing a medical questionnaire. View our sample policies: basic life, disability, AD&D.

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Continue to Save After Graduation

If you are protected by the Undergraduate Package, your life, disability and accident coverage will DOUBLE upon graduation at no cost to you–giving you twice the protection until December 31 of your graduating year.

Once the no-cost period ends on December 31 of your graduation year, you’ll receive a 50% reduction on premiums for life, accident and office insurance for three years following your graduation. You will also receive a 15% lifetime reduction on premiums for DisabilityGuard™ Insurance. These premium reductions are available to you with no decrease in the amount of coverage.

Discover how CDSPI supports you as you transition to practice.

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Frequently Asked Questions

Have Questions?

Our insurance advisor*, Julie Berthiaume  have plenty of experience working with students, soon-to-be-graduates, and associates on their insurance needs.


Julie Berthiaume


Phone: 1.800.561.9401 ext. 6804

Serving dental students in Eastern Canada (Ontario and Nova Scotia)

Be sure to checkout our student page — a hub full of resources and helpful information for dental students.

*Insurance products, services and advice are offered by licensed advisors of CDSPI Advisory Services Inc., an affiliate of CDSPI.

DisabilityGuard™ Insurance is underwritten by The Manufacturers Life Insurance Company (Manulife), PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.

TripleGuard™ and Malpractice Insurance are underwritten by Zurich Insurance Company Ltd. CDSPI Malpractice Insurance is offered in all provinces and territories except Alberta, Ontario and Quebec.

No-cost coverage ends on December 31st of your graduation year. Coverage is available only to eligible full-time dental students who are enrolled at an accredited Canadian university at the time of application. Coverage in the Undergraduate Package starts on the date on which your properly completed application to enroll is received by CDSPI. The “Double-Up” Graduate Package automatically starts on your graduation date. The Optional Graduate Package coverage starts on the date of your graduation or the date your application is approved if later. After graduation, you will be sent a separate activation form for TripleGuard™ Insurance. No medical evidence is required to obtain TripleGuard™ Insurance. Student who are age 65 or over are not eligible for Life, Disability Insurance and AD&D coverage.

Students graduating in the year 2026 onwards, must be a member of the Canadian Dental Association or provincial or territorial dental association, which, at the relevant time, is a corporate member of the Canadian Dental Association, in order to be eligible for the premium reductions.

The information contained here is a summary only. A full description of coverage and eligibility, including exclusions, restrictions and limitations can be found in the Policy Terms and Conditions governing each plan.