Health Insurance Spain With Dental Included — Sanitas and Caser Both Cover It as Standard

Two insurers include dental as standard — the other four don't

If you want Spanish health insurance that includes dental treatment without paying extra, you have two strong choices: Sanitas and Caser. Both include dental as standard across their NLV-eligible, no-copay plans. The other four mainstream insurers — Adeslas, DKV, ASISA, and ASSSA — do not include dental in their visa-compliant base plans.

Sanitas has the deeper dental provision: 45+ free services, 216+ owned dental clinics across Spain, no waiting periods, and enhanced dental cover on Residents Platinum. Caser includes the Sonrisa Esencial plan — a solid baseline dental benefit — at a lower headline price. The right choice depends on your age, budget, and how much dental care you anticipate needing.

What Caser's dental cover includes

Caser's standard dental provision covers routine and preventive treatment. This is the type of dental care most people need most of the time:

• Routine check-ups — annual or biannual examinations by a registered dentist
• X-rays (radiografías) — standard diagnostic imaging as requested by the dentist
• Scale and polish (limpieza dental) — professional cleaning, typically once or twice per year
• Fillings (empastes) — treatment for cavities and minor restorations
• Simple extractions (extracciones simples) — including wisdom teeth when straightforward

What Caser's standard dental does NOT include

Caser's base dental provision does not cover major restorative or cosmetic dentistry. Be clear about this before purchasing. The following are typically excluded from the standard plan:

• Dental implants (implantes) — excluded entirely from standard cover; requires a specialist dental policy
• Orthodontics (ortodoncia) — braces and aligners are not covered as standard
• Crowns and bridges (coronas y puentes) — major restorations are not included in the base plan
• Endodontics / root canal (endodoncia) — varies by plan tier; confirm before purchasing
• Periodontal treatment (periodoncia) — deep cleaning and gum disease treatment may require additional cover

For most expats, the standard Caser dental provision covers the routine care needed to maintain oral health in Spain. If you have complex dental needs or anticipate major restorative work, you should either add a specialist dental rider or use a private dentist directly — costs in Spain are significantly lower than in the UK, US, and Northern Europe.

Sanitas vs Caser: comparing the dental provision

Both Sanitas and Caser include dental as standard — but the depth of cover and the infrastructure behind it differ significantly.

Sanitas: 45+ free dental services from day one with no waiting periods across 216+ owned Sanitas dental clinics. Residents Platinum includes an even more comprehensive dental package than Residents Visa. Sanitas operates its dental clinics directly — you are not dependent on contracted third parties for dental care. The scale and consistency of Sanitas's owned dental network is unmatched in this comparison.

Caser: The Sonrisa Esencial dental plan is included in the standard Caser Adapta + Dental + Repatriation package. It covers routine and preventive care (check-ups, X-rays, cleaning, fillings, simple extractions) from day one. Caser's dental is delivered through a contracted dental network — not owned facilities. For routine dental needs, this is perfectly adequate. For more complex care or access to a broad national network of consistent quality, Sanitas has the advantage.

Price: Caser is cheaper overall — from €46.95/mo versus Sanitas from €67.76/mo. Since both include dental, the headline price gap is a more genuine like-for-like comparison here than with insurers that exclude dental.

Why dental matters for long-term expats in Spain

For a short-term visa applicant who only plans to stay in Spain for one or two years, dental cover is a minor consideration — you are unlikely to need major work and a check-up can wait. For long-term residents, the calculus changes:

• Living in Spain full-time, you will want ongoing dental care as part of your regular health maintenance
• Finding a good dentist independently is straightforward in Spain, but costs outside insurance can be meaningful over time
• Having dental bundled into your main policy removes one administrative decision — you are not managing a separate dental policy, separate renewal, separate claim process
• Spanish dental prices are among the most competitive in Western Europe, but even at Spanish rates, annual check-ups plus any treatment add up over a decade of residency

The convenience argument for having dental included is real. For many expats who intend to remain in Spain long-term, Caser's dental inclusion is a genuine quality-of-life benefit that justifies the choice.

Sanitas or Caser — which is right for you?

Choose Sanitas if:

• You are 70 or over (Caser does not accept you — Sanitas accepts to age 75)
• You want the deepest dental provision — 45+ free services, 216+ owned clinics nationally
• You have pre-existing conditions (Sanitas handles these better)
• You need an instant certificate (Sanitas issues automatically on payment; Caser takes 1–2 days)
• You want the BLUA English-language digital GP app included
• You are applying via a US consulate where Sanitas has the strongest track record

Choose Caser if:

• You are under 69 in good health and want the lowest monthly premium with dental included
• Routine dental care (check-ups, cleaning, fillings) is sufficient for your needs
• You are comfortable with a 1–2 business day certificate via your broker

For any applicant aged 70 or over, Sanitas is the only dental-inclusive option. For applicants under 69 where budget is the primary driver, Caser offers meaningful savings with dental still included.

Frequently asked questions