Braces and clear aligners like Invisalign can be a significant investment, but many Canadians are unaware of how insurance can help reduce the costs. Whether you’re looking for treatment for your child, yourself, or are simply curious about available options, you’ll need to understand what’s covered by private insurance and public health plans.
In this comprehensive 2026 guide, we answer all your questions about braces insurance in Canada, including costs, coverage, free options, and more.
1. How Much Do Braces Cost in Canada with Insurance?
Average Braces Costs (2026)
Braces are an investment, and the cost can vary based on factors like your location, the type of braces, and the length of treatment. Here are the typical costs without insurance:
| Treatment Type | Average Cost (2026) |
|---|---|
| Metal Braces | $3,000 – $7,000 |
| Ceramic Braces | $4,000 – $8,000 |
| Clear Aligners (Invisalign) | $4,000 – $9,000 |
Location factor: Major cities like Toronto, Vancouver, or Calgary typically see higher costs compared to rural areas.
What’s Covered by Insurance?
While public insurance (like OHIP) doesn’t cover braces, private dental insurance often provides 30%–50% coverage, with specific limits for children and adults.
Example:
If your braces cost $6,500 and your insurance covers 50% with a $2,000 lifetime maximum:
- Insurance pays: $2,000
- You pay: $4,500
Most plans have a lifetime maximum for orthodontics, so it’s crucial to know this upfront.
2. Is Braces Coverage Available for Children & Adults?
Coverage for Children (Under 18)
Braces coverage is typically more accessible for children.
- Private insurance plans cover 30%–50% of the total cost for children.
- Some provinces have public health programs, but usually only for medical necessity.
Braces Coverage for Adults
Orthodontic coverage for adults is less common.
- Employer-sponsored or premium plans may cover 30%–40%.
- Clear aligners may be excluded unless stated.
3. Is Invisalign (Clear Aligners) Covered by Insurance?
Invisalign Coverage: Yes, but Check Your Policy
Clear aligners like Invisalign may be treated as cosmetic by insurers.
- Pre-authorization is recommended
- Some child plans cover Invisalign the same as braces
4. How to Get Braces for Free in Canada?
Free braces are rare unless specific criteria are met.
Public Health Insurance (Medical Necessity)
Coverage may apply for severe jaw abnormalities or surgical cases.
Low-Income Assistance Programs
These programs rarely cover elective orthodontics.
- Dental schools may offer reduced-cost treatment.
Charitable Programs
Some nonprofit organizations may help in extreme hardship cases.
5. Are Braces Tax Deductible in Canada?
Yes. Orthodontic treatment qualifies as an eligible medical expense under CRA guidelines.
- Claim braces as medical expenses
- Tax credits reduce but don’t fully reimburse