Other Insurance
Aside from Personal and Business Insurance we also carry Life, Travel and Health Insurance for you and your loved ones, contact us for a quote or fill out our inquiry form
Travel Insurance
Trip Cancellation/Travel Medical/Visitors Insurance
Accidents and illnesses can occur at any time. Whether travelling for business or for pleasure, the Financial Services Commission of Ontario (FSCO) states that “anytime you leave Canada without supplementary travel medical insurance – even just for a few hours – you’re taking a risk.”
Travel insurance policies are designed to compensate you for certain unexpected expenses which may arise while travelling inter provincially or overseas. While your government health coverage does cover a fraction of these costs, it is usually very limited. Supplementary coverage is designed to fill the gaps of baggage benefits, in addition to accidental death or dismemberment insurance.
Again, while hospital expenses may be included in your government health coverage, a trip to a private health clinic could amount to thousands of dollars in unforeseen expenses. Protect yourself with a travel protection plan in the event of a medical emergency, trip cancellation or interruption.
If you have friends or family visiting Canada contact us and we can help with visitors insurance.
Life Insurance
Health Insurance
Health insurance is a financial arrangement that helps cover the costs of medical care. It provides policyholders with access to a network of healthcare services, including preventive care, doctor visits, hospital stays, surgeries, and prescription medications. In exchange for paying a premium, individuals receive coverage for a portion of their healthcare expenses, which may include copayments, deductibles, and coinsurance. Health insurance can be obtained through employers, government programs (like Medicare and Medicaid), or purchased individually. Having health insurance is crucial for managing medical costs, ensuring timely access to necessary care, and promoting overall health and well-being.
Group Insurance
Group insurance is a type of insurance coverage offered to a group of people, typically through an employer or an organization. This policy provides benefits to all members of the group under a single contract, making it more affordable than individual plans because the risk is spread across a larger pool of participants. Common examples include health insurance, life insurance, and disability insurance. Group insurance often comes with lower premiums and more lenient eligibility requirements, making it an attractive option for employees. Additionally, many plans include a variety of benefits, such as preventive care and wellness programs, which promote overall health within the group.
Disability and Critical Insurance
Disability insurance is a type of coverage that provides financial support if you become unable to work due to a disability caused by an illness or injury. It typically replaces a portion of your income, helping to cover essential expenses like rent, mortgage payments, and daily living costs while you are unable to earn a salary. There are two main types: short-term disability insurance, which offers benefits for a limited period, and long-term disability insurance, which provides support for an extended duration or until retirement age. This insurance is crucial for protecting your financial stability, ensuring that you can maintain your lifestyle even in the face of unexpected health challenges.
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