I don't think there is anything here like Denplan, if there is then I'm sure others will comment. the SGK scheme covers emergency dental but I don't think anything like implants.
Believe me, I'm not brave, in fact I went to see Cagatay my dentist yesterday intending to discuss the time plan, the fact that I left with 15 stitches in my gum was a big surprise to me. As Chris said, at least I didn't have the time to worry about the treatment.
As far as being phobic, if it's pain that worries you then please believe me, there has been no pain whatsoever during my treatment