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Overview
Insurance solutions built for dental professionals. Delivered with expert advice.
Tailored exclusively with dental professionals and their families in mind, CDSPI offers a broad range of insurance plans to meet your personal and professional needs. And our experienced insurance advisors provide advice on how to protect you and your practice against potential risks.
CDSPI represents the buying power of the Canadian dental community, which means we:
- Offer insurance solutions that are competitively priced;
- Form strategic arrangements with leading insurance companies; and
- Develop customized insurance solutions for the dental community.
Our expertise and sole focus on dental professionals make us the insurance source that the dental community has come to know and trust.
Our Insurance Plans
Dental Office Staff
Accidental Death & Dismemberment (AD&D)
DisabilityGuard™
CDSPI Retiree Benefits
Office Overhead Expense
Home & Auto
Basic Life
Family Life
Term 100
Permanent Insurance
Special Rates for Basic Life, Family Life, Long Term Disability, or Office Overhead
Convert Basic Life Insurance and/or Family Life Insurance to Term 100 Life Insurance
Application for Non-Smoker Premium Rates
(Basic Life, Term 100, Family Life, Dental Office Staff Insurance, Long Term Disability, Office Overhead Expense)
Malpractice
Excess Malpractice
Malpractice for Dental Therapist
TripleGuard™ Associates
TripleGuard™ Practice Owner
Building
Office Overhead Expense
No-cost Student Insurance*
Graduate Package
No-cost Student Insurance*
Undergraduate Package
TripleGuard™ Office Insurance
*Coverage is offered at no cost to you until December 31st of your graduation year, if you are an eligible full-time dental student at an accredited Canadian university. Premiums for the following three years are then reduced to 50% of the regular premium for Basic Life and Accidental Death and Dismemberment insurance plans, and at a lifetime reduction of 15% on regular premiums for DisabilityGuard™ Insurance. Students 40 and over are subject to medical underwriting for Undergraduate and Optional insurance plans.
Travel
Pre-Authorized Chequing Plan
*If the name(s) on the CDSPI account and the bank account to be debited are the same and are not corporation names, use the online form. Otherwise, print a PDF form that you can complete and return by fax, email or post.
Lost Policy
Assignment / Ownership
Change of Beneficiary
Looking for objective
advice about your finances?
Meet with an
experienced advisor.
What are other dentists saying about CDSPI?
I was pleasantly surprised at the level of customer service I received from CDSPI. They sent a refund cheque on my life insurance premium that I missed. They followed up with an email and phone call to make sure I received the refund, and reissued the cheque for me too.
Dr. Christine Hibberd
Orthodontist, Ontario
I just knew I could count on CDSPI. When I found out they were a not-for-profit, that clinched it for me. I also learned they sometimes reduce premiums when there are fewer claims. What other company would do that?!
Dr. Raylien Cho
Associate, British Columbia
CDSPI’s travel insurance is a great advantage for dentists. I’ve checked with other insurance companies and it’s a lot less costly for the same coverage. Then you add the level of service and it’s a really easy decision.
Dr. Bob White
Retired Pediatric Dentist, Ontario
I’ve had insurance and investments with CDSPI since I started practising 42 years ago. The main thing I looked at was their low administration fee and the fact that they weren’t on commission, which is important to me. I always felt that they worked with my best interests at heart.
Dr. Jerry Wowchuk
Transitioning to Retirement, New Brunswick
The “free insurance” [that CDSPI] provides is an obvious benefit, and the financial advice is especially important at a time when many are looking at massive student debt upon graduation. I support the Student Program, as CDSPI provides dependable insurance and investment advice to the dentists of tomorrow.
Dr. G.W. Johnson
University of Saskatchewan, College of Dentistry
CDSPI has been helpful in supporting my local (HPDA) component society on several occasions with expert presentations with knowledgeable advice.
Dr. Brenda Thomson
Transitioning to Retirement, Ontario
Insurance Articles
Advice on Handling a Malpractice Claim
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Best Practices for Malpractice Prevention
Implementing strict protocols and continuous education is essential for effective malpractice prevention in dentistry. What is Malpractice? Malpractice is a ...
Drain Pain: The Hidden Risks of Uninsured Sewage Backups
Water and sewage backups are a growing concern for property owners. There's growing evidence water and sewage backups is a ...
What Dentists Should Know About Illness and Disability
As a dentist, you're focused on your patients, your profession and the staff who keep your practice running. What if ...
How Dentists can Protect Their Dental Partnership with the Right Insurance
You have found the partner for your dental partnership. They are someone you trust, with your vision, who shares your ...
How Life Insurance can Safeguard your Estate…and Help Keep the Family Cottage
Immediate financing arrangements (IFA) are a financial planning strategy that allows incorporated practice owners to buy life insurance coverage while ...
When Buying a Dental Practice, Ensure you’re Insured
It was hours to go before he was closing a deal to buy a practice, a landmark moment in any ...
If Life Insurance is the Answer, then What is the Question
Contributed by: John Wordsworth, CLU President, Lengvari + Associates Over the years I have heard people say they have enough ...
Preventing Spring Water Leaks
Take a good look around your property to make sure your home stays dry during this year's spring showers and ...
Why are Data Breaches Increasing?
Contributed by: MNP Cyber attacks and breaches are increasing with the rapid rate of digital adoption - and becoming more ...
Cyber Awareness – Elevating Patient Privacy in Dental Communication with CDA Secure Send
In today's healthcare landscape, the need for efficient and secure communication is paramount. Gone are the days when sharing patient ...
How to Effectively Protect Your Dental Practice from Cyber Security Threats
Contributed by: MNP Cyber attacks and breaches are increasing with the rapid rate of digital adoption - and becoming more ...
Watch Now: Most Common Malpractice Claims and How to Avoid Them
SESSION DESCRIPTION CDSPI is continuing the conversation about the dental malpractice environment in Canada. The recent webinar "Common Malpractice Claims ...
Dr. Matthew Moore Shares his Experience with Water Damage in his Dental Practice
On February 4, 2023, Fredericton was gripped by bone-chilling cold as the Maritimes experienced record low temperatures. That night, Dr. ...
Understanding Malpractice Risk: Advice for New Dentists
Transitioning from dental school to professional practice can be an exciting but overwhelming time for new dentists. Many new dentists ...
Rev up Your Knowledge: 8 Car Insurance Myths
We've all heard some of the myths about car insurance, but do you really know the truth behind them? From ...
High Costs and Nature’s Fury: The Dual Threat to Dental Practices Today
Two of the biggest global stories of 2023 have been inflation and extreme weather. On their own, each has the ...
Resources to Protect Your Dental Practice From a Flood
In Canada, floods are the most commonly experienced natural hazard1. Our insurance partner, Zurich Canada, has prepared a list of ...
Be Aware: Car Theft is on the Rise
At CDSPI we understand the importance of protecting your assets, including your vehicle. Unfortunately, car theft is on the rise, ...
How to Prepare your Home for a Wildfire
By: The Personal Did you know over 7,4001 forest fires occur in Canada every year? Most of them are caused by ...
Hassle-Free Travel: Proven Tips for a Stress-Free Trip
Traditional travel tips often remind you to have a valid passport and pack comfortable shoes, but there are other considerations ...
Co-Insurance and the 90% Rule
The co-insurance clause is a clause found on CDSPI's TripleGuard™ Building Insurance. It's important to understand how it works because it ...
Simple Tips to Find the Right Home Insurance Coverage
Regardless of whether you own or rent your home, the right home insurance helps ensure your space and your possessions ...
Best Practices for Dentists Treating Newcomers
As a dentist you feel confident providing the best treatment when it comes to your patients. You take extra care ...
When You Can’t Work
Every month, an insurance premium is deducted from your bank account; representing the confidence of knowing that if you can't ...
Dash Cams can Provide Economical and Effective Protection to Drivers
The popularity of buying a dash cam is rising, and for several reasons-including the fact that they have become much ...
Are You Financially Prepared for Maternity Leave?
There are many challenges young families face such as figuring out how to manage finances, work, debt, and plans for ...
Dr. Jeff Williams Shares his Personal Experience With a Career Changing Disability
When it comes to insurance, it's easy to get hung up on the monthly cost-the money you have to give ...
Outdoor Living and Your Home Insurance
Transforming a backyard into an oasis can be both a fun project and a worthwhile investment. Here's a list of ...
What is Equipment Breakdown Insurance and How Can it Protect Your Dental Practice?
Have you ever wondered what might happen if your dental equipment breaks unexpectedly? There is a really helpful option on ...
Malpractice Suits are Common. Here’s How to Protect Yourself.
At some point in your career, one of your patients may have an unexpected reaction to a procedure or claim ...
Avoiding Home Insurance Headaches
Did you know that coverage for sewer back-up and water seepage through the roof aren't automatically included with most home insurance policies? Know your ...
How to prepare your home for a wildfire
Did you know over 7,4001 forest fires occur in Canada every year? Most of them are caused by hot temperatures ...
Preventing spring water leaks
Ah, spring! The snow has its last hurrah and warmer days are back for good...or almost. Since spring also means ...
Good Disability Insurance Choices Can Lead to Good Outcomes
You have many choices to weigh when you apply for and maintain CDSPI DisabilityGuard™ Insurance. Dentists who make the right ...
Listen Now: Dealing with Patient Complaints
SESSION DESCRIPTION Matthew Wilton, LLB, explains the process for dealing with your dental regulatory body, and what you can do ...
Extreme Weather is the New Normal
From devastating wildfires to major flooding and tornados, Canada has experienced many extreme weather events, and they appear to be ...
Disability coverage – don’t get it and forget it
Consider this scenario. When you started practising, your annual earned income1 was about $120,000 and you purchased enough disability insurance ...
Listen Now: Tips to Help Dentists Avoid a Malpractice Lawsuit
SESSION DESCRIPTION Bernice R. Bowley, a lawyer with Fillmore Riley LLP, offers 4 tips to avoid a malpractice lawsuit and ...
Step or Level Payments—What’s Right for You?
There are so many disability insurance products to choose from-each with their own unique options. Sometimes it can be difficult ...
6 Ways to Protect Your Practice from Cyber Attacks
Malware. Phishing. Password Attacks. Rogue Software. Every day, cyber attacks are becoming smarter and more aggressive. Your client list contains ...