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Dentists Fighting to Get Insurance Payouts Because Office Closure Seen as ‘Voluntary’

March 31, 2020
by The Globe and Mail


Thousands of Canadian dentists who followed industry recommendations to shut down their practices nearly two weeks ago because of the COVID-19 outbreak have still not received insurance payments despite taking out business interruption policies that include pandemic coverage.

The industry-wide policy – sold to dentists and dental specialists by CDSPI Advisory Services Inc. and underwritten by Aviva Canada – is called TripleGuardTM Insurance and covers policyholders for fire, theft, liability and practice interruption, including special circumstances such as earthquakes and pandemics.

Now, two weeks after the Royal College of Dental Surgeons of Ontario (RCDSO) “strongly recommended” dental clinics in the province immediately suspend all non-essential and elective or routine services for patients, thousands of dentists – including many outside Ontario who have also suspended their services – have yet to receive a single payout.

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