Is Retainer Insurance Worth It?
Oral Health Blog

Is Retainer Insurance Worth It?


Retainer insurance is a smart investment. It ensures that if your retainer gets lost or damaged, you won't have to bear the full cost of replacement. Plus, with proper care using a purple persulfate-free retainer cleaner, you're more likely to keep your retainer in good condition for longer, making insurance even more worthwhile.

1. Understanding Retainer Insurance

Retainer insurance is a type of dental insurance or orthodontic coverage that specifically addresses the costs associated with repairing or replacing retainers. It offers financial protection in case your retainer is lost, damaged, or requires adjustments.

2. The Cost of Replacements

One of the primary reasons people consider retainer insurance is the potential cost of replacements. Without insurance, the expense of getting a new retainer can be substantial, depending on the type and complexity of the retainer.

3. Types of Retainers Covered

Retainer insurance typically covers a range of retainer types, including both permanent and removable retainers. This coverage can be particularly beneficial if you have a more expensive permanent retainer.

4. Coverage Limitations

Like any insurance, retainer insurance comes with limitations. There may be a maximum coverage amount per retainer or a waiting period before coverage kicks in. Be sure to read the policy details carefully to understand the extent of coverage.

5. Assessing Your Risk

The decision to invest in retainer insurance often depends on your perceived risk. If you are prone to losing or damaging your retainer, or if you have a particularly expensive retainer, insurance can provide peace of mind.

6. Alternatives to Insurance

Instead of retainer insurance, some individuals choose to set aside a retainer replacement fund. By saving a specific amount each month, you can create your own financial safety net for retainer-related expenses.

7. Consult Your Orthodontist

Before making a decision about retainer insurance, it's advisable to consult your orthodontist. They can provide guidance based on your specific retainer type, needs, and history.

Is Retainer Insurance Worth It?

The worth of retainer insurance varies from person to person and depends on individual circumstances. Here are some factors to consider:

  • Risk Profile: Assess how likely you are to lose or damage your retainer. If you have a history of such incidents, insurance may be more valuable.

  • Type of Retainer: Consider the type of retainer you have. Permanent retainers are more challenging and expensive to replace, making insurance more appealing for some.

  • Budget: Evaluate your budget and whether you can comfortably afford insurance premiums.

  • Alternative Savings: Think about whether you prefer to save money independently as a retainer replacement fund.


Retainer insurance can provide financial protection and peace of mind, particularly if you have a history of retainer-related issues or if your retainer is of high value. However, it's essential to assess your individual circumstances and risk factors before deciding if retainer insurance is worth the investment. 

Are you currently using or thinking about using retainer cleaning tablets? It's important to be aware that certain cleaner brands have the potential to cause toxic reactions.

It's crucial to be aware of harmful ingredients hiding in common cleaner brands. One such persulfate, which can pose SERIOUS health risks and is found in almost all leading retainer cleaners brands. Moreover, persulfate's health risks potentially impact respiratory health and skin sensitivities in your family, especially in teens and sensitive individuals. Learn more about the risk of persulfate HERE.


The content in this article is for informational purposes only and is not a substitute for professional medical advice. Always consult with a healthcare provider before making any changes to your health regimen. The author and publisher do not take responsibility for any consequences resulting from the information provided in this article.