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 TripleGuardTM Insurance.1
Disability Insurance2
If you were unable to continue your studies due to disability, you are eligible for this monthly income.3
Life Insurance2
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 Insurance2
Accidental Death and Dismemberment Insurance provides additional financial support in the event of a serious injury or death from an accident.3

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 our brochure and 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 our brochure and sample policy.

Optional: No-Cost Graduate Package

You can be approved for increased coverage limits after graduation by completing a medical questionnaire. View our brochure and 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™4 Insurance. These premium reductions are available to you with no decrease in the amount of coverage.

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After I Graduate, How Much Will I Pay—and Save?

Use our interactive worksheet to estimate your CDSPI premiums as an associate.

Frequently Asked Questions

Have Questions?

Our insurance advisors, Julie Berthiaume and Sasha Glavic 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

Sasha Glavic


Phone: 1.800.561.9401 ext. 6803

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

* 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 TripleGuardTM Insurance. No medical evidence is required to obtain TripleGuardTM Insurance. Student who are age 65 or over are not eligible for Life, Disability Insurance and AD&D coverage.

1 TripleGuard™ Insurance is underwritten by Aviva Insurance Company of Canada.
2 Basic Life, Accidental Death and Dismemberment and Disability Insurance are underwritten by The Manufacturers Life Insurance Company (Manulife), PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8
See the policy for full terms and conditions.
DisabilityGuard™ Insurance is a trademark of CDSPI. See the policy for full terms and conditions.

The information contained here is only a summary. A full description of each plan’s coverage and eligibility, including restrictions and limitations is contained in the certificate booklets, which sets out all the coverage terms, conditions and provisions. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

Individual circumstances may vary. You may wish to contact the licensed insurer's representative or a licensed insurance agent if you need advice about your insurance needs.