Vital Shield Risk Advisory logoVital ShieldRisk Advisory
All services

05 · Advisory & coverage · Alberta, Ontario & BC

Newcomer & Everyday Coverage

Plain-language guidance on travel, health and dental coverage, including options for newcomers and people without a complete workplace plan.

Who it's for

Newcomers to Canada, travellers, self-employed people, families and employees without adequate health and dental benefits in Alberta, Ontario and BC.

The problem

Provincial healthcare and workplace benefits do not cover every expense. Travel emergencies, dental care and other healthcare costs can leave gaps, but exclusions and reimbursement limits differ by plan.

How it works

  1. 01

    Review your existing provincial, employer and personal coverage, plus travel plans.

  2. 02

    Compare eligible expenses, exclusions, deductibles, limits and pre-existing-condition rules.

  3. 03

    Choose an appropriate application path and understand documentation and claim requirements before relying on coverage.

What we can help with

Travel insurance

Review available emergency medical and other travel benefits for your itinerary. Eligibility, trip duration, pre-existing-condition stability rules and exclusions require particular attention.

Health & dental

Compare personal coverage for eligible healthcare and dental expenses. Reimbursement percentages, annual limits, waiting periods and covered services vary by plan.

Explore related protection

01

Income & Living Benefits

Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.

Who it’s for: For professionals, families, self-employed people and employees whose plans leave an income gap.

What’s different: Compare definitions and eligible options across a broad range of Canadian insurers and providers.

Explore protection

02

Group Benefits & Business Protection

Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.

Who it’s for: For incorporated professionals, employers with 1–50 staff, founders and owners planning continuity or transition.

What’s different: Compare group, HSA/WSA and business-protection approaches that can scale with the company.

General information only; not tax, legal or investment advice.

Explore protection

03

Risk & Retirement Advisory

A structured review of retirement, cash flow, debt, registered savings and protection for complex family or business situations.

Who it’s for: For pre-retirees, executives, professionals and owners connecting today's decisions with future income.

What’s different: A numbers-first review that coordinates protection and planning rather than treating each account in isolation.

General information only; not tax, legal or investment advice.

Explore this service

04

Estate, Legacy & Wealth

Life insurance, estate-document support, education savings and wealth considerations shaped around the people and plans that matter to you.

Who it’s for: For families, established professionals and business owners protecting dependants, assets and a future legacy.

What’s different: Connect life protection, estate priorities and family wealth goals through one coordinated advisory relationship.

General information only; not tax, legal or investment advice.

Explore this service
Local service information — Alberta, Ontario and BC

FAQs

Start with your Risk Assessment

A clearer view of your income, business and planning exposure before you choose a product.

Start my free Risk Assessment

General information only, not individual financial, tax or legal advice. Coverage is subject to underwriting, policy terms and carrier approval.

General information only; not tax, legal or investment advice.