As we enter the peak season for indemnity renewals, I wanted to take a moment to address a subject that is at the forefront of our industry: rising indemnity premiums and the uncertainty they create.

Over the past decade, the dental indemnity market has witnessed significant change. With the entrance of new providers, there has been an undeniable “race to the bottom” in terms of pricing. While this may have initially appeared favourable, the reality is that unsustainably low rates are rarely built to last. We’re now seeing the inevitable correction—renewal premiums are climbing, and practitioners are left questioning whether their provider can offer true stability.

The feedback we’ve received from new member applications has been consistent: many of you are looking around, prompted by sudden price hikes from your current indemnity provider. It’s understandable. Premium increases can occur for a variety of reasons. Perhaps you’ve increased your sessions, expanded the range of treatments you offer, or unfortunately, have faced claims resulting in sizable payouts. In other cases, rates rise simply because providers must ensure membership fees are sufficient to cover current or projected costs.

One crucial question to ask your indemnity provider this renewal season is: “If I have no claims against me or changes at next renewal, can you guarantee my premium for the coming year?” In most instances, uncertainty prevails.

At All Med Pro, we believe you deserve better. That’s why we offer a unique three-year rate agreement, providing peace of mind with guaranteed premiums—no surprises, no sudden jumps. What’s more, at every renewal, we reward your loyalty with complimentary weeks cover, ensuring your protection is as comprehensive as your commitment to your practice.

I am proud to say that our rates have remained stable for some time now. While we cannot predict every eventuality, we do not foresee any increases in the upcoming years. For our members, this translates to confidence and comfort, allowing you to focus on what you do best.

If you’re considering your options this renewal season, I invite you to experience the All Med Pro difference. We are committed to supporting you with transparency, stability, and genuine value for your membership.