This sentence jumped out at me while reading up as must renew this week. Anyway I had SCP this year and was very disappointed with the dental bit, I had an expensive appointment earlier this year, they only cover something towards cleaning I think under routine and emergency.
Anyway I had to go to a dentist with a toothache, long story short, they referred me for a root canal to a different dentist for that, after the consultation it was agreed to monitor for 6mths before deciding. It cost me €150 for the appointment but Laya said none of that was covered under SCP as basically they didn't consider it routine and it wasn't emergency either.