Insurance Made Affordable

We Create Insurance Solutions

We create insurance solutions for you, your family, or your organization. From individuals to groups, single packages or combined for even better prices.

Insurance is a great way to help manage risks. From ownership of large assets, to maintaining a set standard of living, insurance can help ensure your lifestyle is conserved through job loss, injury, and death.

Take vacations without fear of cancellation costs! Reduce the complications of unexpected accidents.

For coverage of health care costs for injury or illness, and even ensuring your family is provided for in the event of a death. 

These are only a few benefits of insurance coverages available to you, your family, or your organization!



Protect your home


Provide for your family during loss


Protect your standard of living and quality of life during accidents and unexpected health complications


Provide additional funds to care for your loved ones should they become critically ill


Protect your health


Protect your vacation plans from flight cancellations or emergency medical situations 


Manage the cost of estate taxes & keep the value of your property in the family 


 Manage the risk of ownership for your business or family farm

Our Health & Dental Insurance Solutions

Flex Care

We can help you find a health care plan which provides you with 3 different options of focus.

This is a very flexible plan that allows you to customize your coverage.


  • ComboPlus- A combination of prescription drug and dental plans
  • DrugPlus-Plans focused on drug coverage
  • DentalPlus-  Plans focused on dental coverage


All of these plans also include

  • Vision
  • Extended Health Care
  • Travel
  • Accidental Death & Dismemberment
  • Survivor Benefit


Add on’s are also available in order to personalize your plan exactly how you want.

Follow Me


Follow Me is a plan specifically designed to provide Health and Dental coverage when group coverage is about to come to an end.

If you apply within 90 days of the coverage end date, no medical questionnaire is required.

Follow me will not provide the exact same coverage as your previous group plan. However, you can chose between 4 options

  • Basic
  • Enhanced
  • Enhanced Plus
  • Premiere

All of these plans include:

  • Prescription Drugs
  • Vision Care
  • Extended Health Care Benefits
  • Hospital Benefits
  • Survivor Benefits
  • Accidental Death & Dismemberment


Additional coverage varies.

Travel insurance add-ons are also available.

The Association Health & Dental Plan

The Association Health & Dental Plan offers 8 different plan options, allowing you to customize your coverage.

This includes:

  • 4 Health & Dental Plans – which include coverage for prescription drugs
  • 4 Dental Plans – with basic health coverage


Health & Dental:

    • Base Plan
    • Bronze Plan
    • Silver Plan
    • Gold Plan


    • Base Plan
    • Bronze Plan
    • Silver Plan
    • Gold Plan

Coverage varies depending on the level and type of plan you choose.

Personal Health Insurance

Choose from 1 of 3 plans that best suits you and your personal health:

OmniPlan is  superior health insurance choice with extensive benefit coverage

  • Benefits Include:
  • Acupuncture, massage and naturopath appointments
  • Glasses and Contacts
  • Accidental Dental


ExtendaPlan covers a wide range of benefits for everyday and emergency needs

  • Benefits Include:
  • Chiro, physio, and psychology appointments
  • Glasses and Contacts
  • Casts and Crutches


BasicPlan is the ideal coverage for emergencies and health needs.

Benefits Include:

  • Ambulance Services
  • Preferred Hospital Rooms
  • Accidental Dental
  • In-Hospital Drugs

Replacement Health Insurance

Replacement Health Insurance plans are designed to help you out once your emloyee benefits package comes to an end.

GMS offers 3 options to choose from when looking for a replacement health insurance plan.


PremierePlan is the best plan to cover your current and future health care needs. Whether changing jobs, starting a new venture or retiring, this plan allows you to adapt to your new lifestyle without having to lose the health benefits coverage you’re used to.

Benefits Include:

  • Prescription Drugs
  • Dental
  • Emergency Medical Travel Coverage


ChoicePlan covers all you need to live well

Benefits Include:

  • Prescription Drugs
  • Glasses and Contacts
  • Emergency Medical Travel Coverage

EssentialPlan covers the essentials that aren’t part of a government health plan and allows you to keep living a healthy lifestyle

Benefits Include:

  • Eye Exams and Glasses
  • Chiro, naturopath and massage treatments
  • Dental


Critical Illness

Help protect your finances when critically ill.

If you’re diagnosed with a critical illness, you want to have enough money to cover both your usual and additional expenses so that you can focus on your treatments. Get affordable, simple and easy to purchase protection through Lifecheque Basic critical illness insurance.


  • Set your own priotities with a benefit you can use to replace your income
  • Keep your business running and help protect your business partners
  • Keep up with mortgage and debt payments
  • Top up payments from your employee benefits plan
  • Coverage for all ages from 18-75 years old

    Coverage Options:

  • $25,000, $50,000 or $75,000 if you’re between 18-55
  • $25,000 or $50,000 if you’re between 56-60
  • $25,000 if youre between 61-65

Our Travel & Health Insurance Solutions

All Inclusive Policy

Manulife offers an all inclusive policy for Canadian residents going on single and multiple trips. It can help protect you from the costs of unexpected medical emergncies that may occur before or during your trip.

A Single trip plan refers to travel outside of your province or territory of residence.

A Multi-trip plan refers to an unlimited amount of trips outside your province of territory of residence or Canada in the span of a year.

Both Single-trip and Multi-trip All Inclusive Cover:

  • Emergency Medical up to $10,000,000 CDN
  • Trip Cancellation & Interruption
  • Baggage Loss, Damage & Delay
  • Flight & Travel Accident
  • Terrorism Coverage 
  • …and more!

Emergency Medical Policy

Manulife offers an Emergency Medical policy that provides you with benefits at half the premium rate when all travel is within Canada. 

This includes Emergency Medical such as:

  • Up to $10,000,000 CDN
  • Paramedical Services
  • Ambulance Transportation
  • Emergency Dental Treatment
  • Bringing someone to your beside
  • Return home of children in the care of the insured or travel companion
  • Additional expenses for meals and hotel
  • Return home of vehicle or pet
  • Hospital Allowance
  • Return of Excess Baggage
  • Terrorism Coverage … and more!

    Trip Cancellation & Interruption

    Trip Cancellation and Interruption offers additional coverage in the event that an emergency were to occur during your trip. 

    • You can receive up to a sum purchased per insured per trip when you purchase separately
    • Receive a reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event


    Some of the insured risks include:

    • Unexpected medical emergency or death
    • Unexpected medical emergency or death of insured’s immediate family or key person
    • Cancellation of a business meeting
    • Canadian Government issues a Travel Advisory regarding the travel destination
    • Travel Visa not issued
    • The person whose guest the insured will be during the trip has a medical emergency and is admitted to a hospital or dies
    • Missed connection

    G.M.S Emergency Medical Coverage

    Multi-Trip Annual Plan is designed for individuals or families planning on travelling more then once in a year and snowbirds looking to get away for the winter.


    Single Trip Plan is designed for one trip for up 365 days of coverage and can have multiple plans to have no gaps in coverage so in case of an emergency you are covered.



    • Prescription drugs covered for 30 days.
    • Ambulance covered up to 100%
    • Hospital room, supplies and services covered
    • Coverage continuation.

    G.M.S Trip Cancellation Insurance

    What is your biggest fear before a trip? Knowing it may have to be cancelled with no refund?

    What You Will Get From G.M.S.
    You will get security before your travel date, any prepaid travel or excursions before your trip will be covered, cancellation fees looked after, and of course non-refundable airfares.

    Events Covered

    • Emergency conditions that prevent you from travel.
    • Pregnancy of family member or unexpected pregnancy.
    • Occupational changes prior to departure which was the sole reason of the trip.
    • Death of family member, business partner or someone effecting your trip.
    • Any damaged or lost luggage that effects your trip arrival. 

    Single Trip COVID-19 Pandemic Travel Plan

    Emergency Medical benefits up to $5,000,000 for non COVID-19 related claims or up to $200,000 for COVID-19 related expenses for:

    • Emergency treatment
    • Paramedical services
    • Ambulance transportation
    • Emergency dental treatment
    • Emergency medical evacuation home
    • Repatriation of bodily remains
    • Bringing someone to your beside
    • Return home of children in the care of the insured
    • Return home of travel companion
    • Additional expenses for meals and hotel
    • Return home of vehicle
    • Hospital allowance
    • Child care
    • Return of excess baggage
    • Phone call expenses
    • Pet return
    • Terrorism coverage

    Interruption benefits include :

    • up to $150 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,100 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $300 per insured family per day to a maximum of $4,200.
    • up to a maximum of $500 for reasonable and customary charges incurred by you for a Trip Interruption claim due a change in the Travel Advisory issued by the Government of Canada to “Avoid all travel”.


    •  To be eligible for insurance under this policy, an applicant must be a resident of Canada and covered under a Canadian, provincial or territorial government health insurance plan.
    • Applicants age 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.
    • Emergency Medical coverage can be purchased for trips up to the number of days allowed by the insured’s government health insurance plan. 


    Travel for Students

    Are you curious if you can get coverage and if you are eligible? 

    Are you a student and planning on travelling in or outside of Canada?

    Are you wondering what is covered for benefits and if there are exclusions and limitations?


    • Up to $2 million in emergency and non-emergency coverage.
    • Accidental death and dismemberment covered for $10,000.
    • One medical exam and one eye exam per year

    Full time student with proof of enrollment records. Under 45 years of age. Temporarily residing in or outside of Canada. Nationwide full-time student.

    General Information
    $2,000,000 aggregate per policy for emergencies that happen while traveling.

    Family coverage for dependents on your application.


    • Diagnostic Services – tests that are a must during an emergency
    • Prescription Drugs – 30 days covered prescribed to you by physician
    • Emergency evacuation – up to $100,000 to transport you
    • Tuition reimbursement – if an emergency prevents your attendance


    Our Immigrants & Visitors to Canada Insurance Solutions

    Emergency Medical Plan for Visitors to Canada

    Who can apply?

    You can apply if you’re coming to visit. Planning on working with a visa, and also new immigrants awaiting health insurance plans from the government.

    General Information 
    Coverage lasts up 365 days. Call for 24 hour support. Family coverage is offered for eligible dependents. Return of premium option with proof of no claims.

    Medical Coverage Provided

    • Ambulance transportation expenses for local ground emergency​
    • Dental emergency treatment if you suffer severe damage
    • Expenses for childcare and return of child in your care in case of emergency
    • Hospital allowance if you are hospitalized for more then 72 hours.

    Immigrants & Visitors Insurance

    Moving or Travelling to Canada?

    • Easy online application with no waiting period
    • No medical questionnaire if you’re under 55 years of age
    • Choice of deductible and insurance amounts
    • 24/7 travel assistance service for all your needs.



    • Hospitalization
    • Medical Services
    • Diagnostic Services
    • Out-patient Medical Treatment