Spirit Dental review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Spirit Dental suits adults and seniors buying dental-only cover on a monthly budget. Premiums start at $16.09, cover runs to an annual maximum of Annual maximum up to USD 5,000, and monthly payments are available.
Key facts
- Best for
- Adults and seniors wanting dental-only cover paid monthly from a low starting premium.
- Premium from
- $16.09 (Source, checked September 26, 2026)
- Insurance types
- Dental (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- $100 (Source, checked September 26, 2026)
- Cover limit
- Annual maximum up to USD 5,000 (Source, checked September 26, 2026)
- Claims channels
- Phone, Email, Online member portal, Mobile app (Source, checked September 26, 2026)
- Age range
- 18 and over, no upper limit (Source, checked September 26, 2026)
- Legal entity
- Direct Benefits, an Alera Group Company (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2002 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- spiritdental.com
Apps and profiles
Pros and cons
Pros
- Monthly payments are available, so cover can start without a large one-off payment
- Annual benefit of Annual maximum up to USD 5,000 gives a clear ceiling on yearly claims
- Claims run through phone, email and online member portal, including phone and an online member portal
- Support runs on email, chat and phone, with phone, chat, email and a help centre
Cons
- Cover is limited to dental, so nothing is included for health or other lines
- Annual benefit is capped at Annual maximum up to USD 5,000 for major treatment
- An excess of $100 applies, so the member pays part of each claim
Ready to try Spirit Dental?
Scored 9.1 / 10 by AssureCue.
Who it suits
- Adults with no upper age limit on joining, since the age range is 18 and over, no upper limit
- Seniors looking for dental-only cover with a modest annual maximum
- Anyone who prefers paying a monthly premium over a single annual charge
Who should look elsewhere
- Good Sam Insurance Agency, if you want health cover alongside other lines in one plan
- Anyone needing broad medical cover, since dental covers dental only
- Oney Préstamos ES, if you are after a loan product rather than dental insurance
How Spirit Dental compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.3- 9.1 vs 9.3
9.1 vs 9.3Max Life Insurance
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2- 9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6- 9.1 vs 8.4
- 9.1 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
mtu24
Frequently asked questions
What does a Spirit Dental plan cost each month?+
Premium starts at $16.09 a month, and monthly payments are available, so there is no large annual bill to fund up front. The site median for this line sits at €8.37, which places Spirit Dental below that figure.
Is there an excess to pay when I make a claim?+
Yes, an excess of $100 applies, meaning you contribute part of each claim before the plan pays. This is a common structure in dental insurance and keeps the monthly premium low, but budget for your share on bigger procedures.
Who can sign up for a Spirit Dental plan?+
The age range is 18 and over, no upper limit, so adults of any age can apply without a cap at the top end. Seniors are a listed audience, and the plan is designed around dental needs rather than a single market or employer group.
How do I submit a claim?+
Claims can go in through phone, email and online member portal, so you can call, email, use the online member portal or the mobile app. Support itself runs on email, chat and phone, which includes a phone line, chat and a help centre for questions about the policy.
Who actually underwrites the cover?+
Spirit Dental is an insurer rather than a broker, and the legal entity is Direct Benefits, an Alera Group Company. The brand is based in the United States and has been operating since 2002.
Can I pay yearly instead of monthly?+
Monthly payments are available, and the listed payment model is monthly only. That suits people who would rather spread dental costs across the year, though it is a narrower choice than a market that offers annual billing as well.
Is a dental plan like this regulated?+
Spirit Dental is an insurer operating from US, and the cover sits with the legal entity Direct Benefits, an Alera Group Company. No regulator or licence details are published alongside the policy information, so check the wording of the plan documents before you join.
Sources
- spiritdental.com checked September 26, 2026
Backs: Age range, Excess from, Headquarters, Legal entity, Premium from, Support channels
“You must be 18 years of age to be the dental plan primary policy holder. Your spouse/domestic partner and unmarried children up to age 26 are also eligible. There is no upper age limit for our dental...”
- spiritdental.com/about checked September 26, 2026
Backs: Founded
“In 2002, Spirit Dental launched as one of the first dental plans to offer no waiting periods, lifetime deductibles and high annual maximums.”
- spiritdental.com/about/about-the-carrier checked September 26, 2026
Backs: Provider type
“Spirit Dental insurance plans are underwritten by Ameritas Life Insurance Corp. Spirit Dental offers the plans to consumers, while Ameritas serves as the insurance carrier.”
- spiritdental.com/dental-insurance/faqs checked September 26, 2026
Backs: Audience, Claims channels, Cover limit, Insurance types, Pricing model, Monthly payments
“Plans for individuals, families and seniors.”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Spirit Dental
Adults and seniors wanting dental-only cover paid monthly from a low starting premium.