Guardian Dental Insurance Review

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When you have dental insurance, it’s easier to receive routine and restorative care, which can lead to an increase in your overall health and well-being. Dental insurance can also help you save money.

Meanwhile, people without dental insurance are more likely to need tooth extractions and dentures at some point in life due to a lack of preventative care and are less likely to receive restorative care or treatment for conditions like gum disease. What’s more, they have a higher incidence of other illnesses, including heart disease, osteoporosis and diabetes.

Not sure where to start your search for dental insurance? Here’s a comprehensive review of Guardian, a Fortune 500 company and top dental insurance provider in the U.S.




48 states


111,500 providers

Monthly premiums start at




Learn More

On Dental Insurance Guide’s Website

Guardian at a Glance


  • Provider network: Customers have access to a national network of 133,000+ Guardian dentists and PPO providers, making it easy to find the care they need when they need it.
  • Plans and coverage: Guardian offers several competitive plans to meet the diverse needs of its customers.
  • Customer service: Guardian staff help prepare customers for important life milestones like starting a family, planning for the future and taking care of employees.

What we like:

  • Guaranteed acceptance and approval in minutes
  • Large provider network
  • Affordable plans

What we don’t like:

  • Must provide contact information to see plan details
  • Long waiting periods for some benefits
  • Coverage not available in all 50 states

About Guardian

Founded in 1860 in New York City, Guardian is a top insurance provider that offers life, disability, dental and other benefits to individuals via their employers and through government-sponsored programs.

A spokesperson for the company says, “We help provide security to the customers we serve through our insurance and wealth management products and services. We also provide dental care access to underserved populations by awarding grants and building partnerships in communities across the U.S.”

Guardian Insurance Plans & Coverage

Regardless of your employment status, you can enroll in an individual or family dental insurance plan from Guardian for as little as $20 a month. You can also enroll in a Guardian dental policy with guaranteed acceptance and instant approval in minutes.

Guardian Direct offers four dental plan tiers to cover its customers’ diverse needs and budgets.

Source: Guardian Direct

Provider Network

Customers have access to a national network of over 133,000 dentists and PPO providers. Guardian is one of the nation’s largest dental insurance providers, covering more than 8 million members.

Additional Programs Offered by Guardian

In addition to dental insurance, Guardian offers many other types of insurance and products, including:

  • Life
  • Disability
  • Vision
  • Accident
  • Critical Illness
  • Cancer
  • Hospital indemnity

For wealth management, they offer the following products and services:

  • Annuities
  • Individual retirement accounts
  • Brokerage accounts and investment solutions

The Customer Service Experience

Since Guardian dental insurance is available nationwide, its customer service experience varies. The company claims it focuses on service and value, making it a smart choice for dental coverage. When choosing Guardian, you can benefit from one of the nation’s largest and strongest networks with a 99% member satisfaction rate and a 99.7% claims accuracy rate, according to the company.

Guardian Ratings and Reviews

Guardian is not accredited with the Better Business Bureau (BBB) but has a rating of A+. According to the BBB, Guardian has had a total of 117 complaints filed against it in the last three years, 54 of which were closed in the last 12 months.

When it comes to reviews of Guardian’s dental insurance specifically, one customer gave the company 5 out of 5 stars. “I have been with Guardian for years,” she wrote. “They are great and so quick to take care of claims. I would recommend their dental insurance to anyone.” Another customer gave Guardian a 5-star rating as well, describing the enrollment process as easy and the coverage as very affordable.

On the other hand, another reviewer gave Guardian 2 out of 5 stars. “When we retired, we had to find dental coverage. Guardian was as close as we were going to get to the coverage we enjoyed during our working years,” she wrote. “Now, a couple of years in, it is costing us more for dental visits than ever. Our premium is more than we ever paid, and we’re not getting the same value of coverage…On a positive note, at least we both still have our teeth.”