Is Smile Insurance Legit: Overview, Contacts, Services, Claims, Policy, Customer Reviews, Pros & Cons

Is Smile Insurance Legit: Uncover the truth about Smile Insurance.

An image illustration of Smile Insurance
Peeling back the layers to reveal the authenticity of Smile Insurance.

Smile Insurance is a company providing dental coverage for individuals and families in Australia.

But is it genuinely reliable?

This blog post aims to investigate the history, products, services, advantages, drawbacks, and other facets of Smile Insurance to assist you in determining if it is the right choice for you.

Company Background

Established in 2011 by Mike Timoney, Smile Insurance aims to usher in a new era of dental coverage, offering reduced and capped dental fees without the constraints of traditional dental insurance.

Recognizing that many Australians were facing exorbitant costs or avoiding dental services due to lack of transparency, Timoney set out to address these issues.

Based in Brisbane, Queensland, Smile Insurance has garnered support from investors like Greenlight Reinsurance and Ground Up Ventures.

The company, helmed by CEO Mike Timoney and COO David Penn, is committed to revolutionizing the dental insurance landscape.

Company Contacts

Here are some essential details about Smile Insurance:

  • Phone Number: 1300 238 648
  • Address: Level 2, 293 Queen Street, Brisbane, QLD 4000
  • Customer Service Contact:
  • Policy Details: Manageable on the Smile website or app
  • Email Address:
  • Fax Number: N/A
  • Operating Hours: Monday-Friday, 9 am-5 pm AEST

Services & Products

Smile Insurance provides dental coverage that you can control through the Smile website or app.

From obtaining a quote to joining online, finding a dentist, and accessing your digital card—all these actions are conveniently available at the touch of a button.

An innovative feature, Smile Pause, enables you to halt your coverage when not utilizing dental services, potentially saving up to 40%.

You only pay for the months when dental services are used, and the pause and resume process take as little as 15 seconds.

Smile Insurance covers a range of dental services, including:

  1. General Dental: Check-ups, cleans, x-rays, fillings, extractions, and more.
  2. Major Dental: Crowns, bridges, implants, dentures, and more.
  3. Cosmetic Dental: Veneers, whitening, bonding, and more.
  4. Orthodontic Dental: Braces, aligners, retainers, and more.

Pros and Cons of Smile Insurance

Consider the following advantages and disadvantages before opting for Smile Insurance:


  1. Manage your policy seamlessly from your phone or computer, eliminating the need for an agent or broker.
  2. Save money by pausing coverage during periods of non-use of dental services, paying only for the months they are utilized.
  3. Obtain a policy swiftly in as little as 90 seconds; cancel anytime without fees or penalties.
  4. Access over 3,000 quality dentists across Australia, offering reduced and capped dental fees instantly.


  1. Smile Insurance is currently exclusive to Australia, with plans to expand into additional markets.
  2. The company does not offer other types of insurance, such as health, life, or travel insurance.

Filing a Claim

If you need to report a claim with Smile Insurance, you have two options:

  1. Online: Visit the Smile website or app, go to the “Claims” tab, select “File a claim,” and follow the instructions to submit your claim online.
  2. Phone: Contact the Smile Claims Team at 1300 238 648, providing the necessary information to file a claim over the phone.

You’ll need to provide details about the dental service received, including the date, dentist, amount, and reason.

Additionally, uploading documents such as receipts, invoices, or treatment plans may be required.

Smile Insurance will review your claim and communicate the next steps. You can also track the status of your claim on the Smile website or app.

Policy Acquisition

To obtain a policy with Smile Insurance, follow these steps:

  1. Visit the Smile website or app and create an account.
  2. Input personal information and details about your dental needs, including name, address, date of birth, and preferred dentist.
  3. Choose coverage options and limits that align with your needs and budget.
  4. Receive a quote from Smile Insurance and confirm your chosen payment method, which can be a credit card, debit card, or bank account.
  5. Choose between monthly or annual payment intervals.
  6. Upon completing the payment, access your policy documents and digital card on the Smile website or app. Retrieve them at any time on the platform or request email delivery.

You have the flexibility to modify or cancel your policy on the Smile website or app at any time without incurring fees or penalties.

Additionally, you can pause and resume your coverage as often as needed based on your dental requirements.

Customer Reviews

Positive feedback from customers emphasizing flexibility, convenience, and affordability can be found on the Smile website and app.

Independent reviews on platforms like Trustpilot or Product Review offer further insights.


Q: How does Smile Pause work?

A: Smile Pause is a feature that allows you to temporarily suspend your coverage when you are not utilizing dental services.

You can activate this feature on the Smile website or app by selecting the “Pause” button.

While your cover is paused, you retain access to your digital card and your chosen dentist, without incurring any payment obligations.

Additionally, you will receive a refund for the months during which you do not use dental services, and this refund will be credited towards your next payment.

Resuming your coverage is a simple process—just tap the “Resume” button on the website or app.


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