Health Insurance for Root Canals

Select who you want to cover for root canals (endodontics) to compare and get a quote.
Without insurance, you can pay up to $3,400 for a root canal – medicare does not cover root canals
12 month waiting periods typically apply
Root canal is generally covered under ‘Major Dental’ extras policies
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Without insurance, you can pay up to $3,400 for a root canal – medicare does not cover root canals
12 month waiting periods typically apply
Root canal is generally covered under ‘Major Dental’ extras policies


We all know the pain that comes with a toothache - whether that's from your wisdom teeth, tooth decay, your molars, or even an abscess. Looking after your teeth (yes, that means flossing!) is one of the most important things you can do for your health – after all, we only get one set of teeth in our lives and once your natural tooth is gone, there's no getting it back.

If you are experiencing issues with your teeth and find yourself needing dental procedures like a root canal, extraction, or dentures, you probably know endodontic care can be pretty costly.

However, with the right dental insurancecoverage, you can receive comprehensive support for your dental health needs.

In this article, we will explore how health insurance can provide coverage for root canal therapy and other essential dental treatments so you can take care of your dental care needs with less financial stress.

Whether you require general dental check-ups, gum disease prevention, or endodontic care, understanding your health insurance options is crucial to maintaining a healthy smile.

So, let's dive into the world of health insurance for root canals and dental health in Australia.

Want to skip straight to comparing health fund coverage and options? Use our handy online tool for a free quote within minutes!

What Health Insurance Option Covers Root Canals?

Both private Australian health funds and Medicare cover endodontic treatments. Here are the most common options for health insurance for root canals:

1. Private Health Insurance for Root Canal Therapy

When it comes to endodontic procedures like root canals and other dental work, it's important to understand how they are covered by private health funds under extras cover policies. The coverage details, including limits, waiting periods, and specific coverage for endodontics, can vary depending on the provider and policy you choose.

It's worth noting that general dentistry and basic health insurance policies typically do not offer any coverage for endodontics. However, within an extras policy, endodontics may be grouped in one of three ways:

  1. Endodontics and periodontics: These two specialties are often grouped together within a policy.
  2. Endodontics: It may also be classified as its own distinct category, allowing for specific coverage.
  3. Major dental: Many policies group endodontics under the major dental category. Some policies might even have additional categories like "complex dental" that could cover endodontics instead.

Generally, endodontics may be grouped with periodontics or categorised as major dental treatment. It's worth exploring comprehensive extras policies to minimise [out-of-pocket expenses|/explained/out-of-pocket-expenses/] and ensure optimal coverage for root canal treatments.

2. Medicare Coverage for Endodontics

While Medicare provides coverage for certain dental services, endodontic treatments are not covered. However, dental radiology costs, such as X-rays used for diagnosing dental issues, may be covered.

What About Dental-Only Health Insurance?

Some health insurance funds offer dental-only insurance policies. These policies focus solely on dental procedures and can be a great option for those who are specifically looking for coverage for dental care. Plus, they often come with a more affordable price tag compared to standard hospital or extras policies.

  • With dental-only plans, you can expect comprehensive coverage for general dentistry services like routine check-ups and plaque removal.
  • When it comes to endodontics, the insurance provider may categorise it as major dentistry, include it under the "endodontics and periodontics" category, or create a separate category specifically for endodontic treatments. Alternatively, they might specifically list covered procedures such as root canals.
  • Dental-only health insurance policies typically cost less than most extras plans, making them an attractive choice for individuals focused on dental care. You'll have the option to choose different levels of coverage, ranging from basic to comprehensive, depending on your needs.
  • It's important to note that dental-only policies often have waiting periods of up to 12 months for certain dental procedures, as they are designed for specific purposes. The same applies to many health insurance extras plans. If you anticipate needing coverage for things other than dental procedures or want to have the flexibility to claim for unexpected health issues and treatments, a complete extras plan might be more cost-effective for you.

You should consider your specific needs and priorities when deciding between a dental-only policy and a comprehensive extras plan to ensure you find the best fit for your dental health and overall well-being.


Extras health insurance often includes coverage for endodontics, which is a specialised branch of dentistry focused on root canal treatments and related procedures. With this type of insurance, you pay a regular premium, and in return, you can receive partial reimbursement for certain endodontic treatments.

It's important to keep in mind that health insurance does not typically provide full coverage for the cost of endodontic treatments. Instead, the coverage is usually a percentage of the cost or a fixed amount, which is generally lower than the total expense. The specific amount of coverage can vary depending on your insurance provider, policy, and the type of endodontic treatment you undergo.

To understand the extent of your coverage, it is advisable to refer to your product disclosure statement (PDS). This document provides detailed information about the specific coverage offered by your insurance fund. For example, your insurance might cover 80% of the total bill, up to a maximum of $800, or they may offer a flat benefit of $800 for endodontic procedures.


While the cost of a root canal treatment can vary depending on several factors, it's helpful to have a general idea of the average expenses involved. In Australia, the typical cost of a root canal procedure ranges from $900 to $3400, excluding the cost of a dental crown.

There are two primary factors that can influence the overall cost of a root canal treatment:

Location of the infected tooth:

The position of the affected tooth plays a significant role in determining the price of the procedure. Generally, treating front teeth, which have a single root, tends to be less expensive compared to molars. Molars often have three or more roots, which require more intricate work and can contribute to a higher treatment cost.

Complexity of the procedure:

The complexity of the root canal procedure itself can affect the cost. Teeth with straightforward root layouts typically involve a simpler process and, consequently, a lower cost. However, if the infection has persisted for an extended period, it may necessitate multiple appointments and more extensive treatment, leading to increased expenses.

Important Considerations When Comparing Policies

When comparing policies for extras insurance, it's important to be aware of certain factors that can impact your coverage. Here are some key points to consider:

  • Waiting periods: This refers to the minimum amount of time you must wait after taking out a policy before you can start claiming benefits. For endodontics and other major dental procedures, the waiting period is typically around 12 months with most policies. Be sure to check the waiting period for the specific treatments you require.
  • Limits: Limits determine the maximum amount you can claim for certain treatments or categories of treatments. It's essential to understand the annual limit per person. Additionally, some policies may have separate limits for families under the same policy, sub-limits for specific treatments or types of treatments, and even lifetime limits that apply to the entire duration of the policy. Take these limits into account when assessing the coverage for endodontics or other dental procedures.
  • Exclusions: Exclusions are conditions or circumstances under which you cannot claim benefits. Examples of exclusions could include damage caused by not following the advice of your dentist, receiving treatment from an unregistered practitioner, or seeking treatment outside of Australia. Carefully review the policy's exclusions to ensure you understand what is and isn't covered.
  • Required dental cover: If you specifically need a health insurance policy that covers endodontics, pay close attention to how it is categorised. Endodontics is typically included in the major dental category, but it may also have a separate classification. Understanding how endodontics is covered under the policy will help you determine the level of dental care provided.

What is a Root Canal?

A root canal is a dental procedure performed by an endodontist to save a severely infected tooth. It becomes necessary when the pulp of the tooth, which contains nerves, blood vessels, and connective tissue, becomes inflamed or infected.

During the procedure, the endodontist carefully removes the infected pulp, cleans and disinfects the area, and then seals the tooth to prevent further infection.

Root canals are a common treatment to alleviate toothaches, abscesses, and other dental issues while preserving the natural tooth. It is an important procedure for maintaining dental health and avoiding tooth extraction.

Let CHI Help You Find the Right Health Insurance Policy for Root Canals & Endodontics

At Compare Health Insurance, we understand the importance of finding the right health insurance policy that covers root canals and endodontic treatments.

Our dedicated team is here to assist you in navigating the complexities of insurance options and help you find coverage that suits your specific needs.

We believe that everyone deserves access to quality dental care, and we are committed to helping you make informed decisions about your oral health.

Let CHI be your partner in finding the right health insurance policy that provides comprehensive coverage for root canals and endodontics.

Use our handy policy comparison tool below to get started!


What is the cost of a root canal without insurance?

The average cost of a root canal without insurance in Australia ranges from $2,000 to $3,400. Costs can vary depending on the complexity of the procedure and the dentist performing it.

Does private health insurance cover the cost of root canals?

Yes, private health insurance can cover the cost of root canals. However, coverage limits and annual benefit caps may apply. It's important to review your policy to understand the extent of coverage.

Does Medicare cover root canal treatments?

Medicare does not typically cover the cost of root canal treatments. However, dental radiology costs related to root canals may be covered under Medicare.

Are there waiting periods for root canal coverage?

Yes, waiting periods generally apply to major dental procedures like root canals. Most policies have a waiting period of 12 months before you can claim benefits for such treatments.

Can dental-only insurance be a cost-effective option for root canal coverage?

Dental-only insurance can be a cost-effective option if you primarily require dental coverage, including root canals. These policies often have lower premiums compared to comprehensive health insurance plans.