Insurance and Finance


Luma Dental provides comprehensive dental care for the whole family. We’re committed to delivering exceptional service to both insured and uninsured patients. We have partnered with various leading insurance providers and accept the below insurances. If you don’t see your preferred method on our list, please call our office to find out what other options may be available to you.


  • Sunlife
  • Canada Life
  • Green Shield Canada
  • Manulife
  • Blue Cross
  • Industrial Alliance
  • Global Benefits
  • Local 183
  • Local 506
  • Manion Wilkins
  • Johnson Inc
  • Benefit Trust

Luma Dental with LendCare

Your dental treatment could be eligible for a payment plan with 0% interest up to 18 months.

  • Can be approved in seconds without affecting your credit score.
  • Easy application process that requires no additional documents
  • Terms up to 18 months
  • No down payment or pre-payment penalties

Start your application process by just scanning this!

Or we can help you fill up the application at the office and you can get approved immediately for up to 18 months with 0% interest.

If your insurance isn’t listed above, call for additional details


If you’re uninsured or require treatments that aren’t covered by your plan, you can still get the dental care you deserve at Luma Dental. We happily accept Cash, Check, and Credit Cards for your convenience. In addition, our dental team is happy to discuss other options, including health financing such as LendCare, on a case-by-case basis.

Ultimately, you can be confident that we’ll come to an agreement that suits you best—whether you’re insured or uninsured.

We’re currently accepting new patients. If you’re visiting our dentists in Toronto, ON, for the first time, please call in advance to iron out any insurance and financing issues you may have. This way, you can look forward to a smooth appointment.

Please call Luma Dental today to schedule your visit.


Kindly be aware that payment is required during the service appointment. In consideration of your convenience, we will handle the process of invoicing your insurance provider and monitoring claims. Should there be any modifications to your insurance scheme, please keep us informed. It’s important to note that regardless of your insurance benefits, you are accountable for the charges applied by our office. The majority of insurance companies typically furnish responses to claims within a span of four to six weeks. Any outstanding expenses will be your responsibility to settle.

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