In Quebec, some coverage isn't just a good idea — drug insurance is mandatory for every resident. But mandatory doesn't have to mean confusing, and it definitely shouldn't mean overpaying for the wrong plan.
Nova Star Insurance Consultants is a women-owned, independent brokerage based in Richmond Hill, Ontario, serving clients across Quebec. We compare plans from 11+ Canadian carriers — including Manulife, Sun Life, Canada Life, and Beneva — and we work for you, not an insurer.
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Women-owned • Serving all of Quebec • We reply within 1 business day • (647) 520-6899
Quebec law requires every resident to be covered by a drug insurance plan. If you have access to a group plan through work, you generally must join it for drug coverage; if you don't, you're covered by the public RAMQ plan and pay its premium with your taxes. Private coverage still matters on top of that:
Term, whole life, and universal life to protect your family's income, mortgage, and plans.
Life insurance · Life insurance needs analysis
A lump sum if you're diagnosed with a covered serious illness.
Replaces part of your income if illness or injury stops you working; provincial programs don't replace your paycheque.
Fill the gaps the public system leaves: dental, vision, drugs top-ups, and paramedical care.
Individual health and dental · Find your health and dental plan
Coverage for your team, and tax-efficient HSAs for incorporated owners.
Group health and dental plans · Health spending account
Emergency medical coverage for travel outside Quebec, and compliant coverage for parents and grandparents visiting on a Super Visa.
Your own life insurance, which pays your family, vs. bank mortgage insurance, which pays the lender.
A short call or our free quote form — family, income, health, budget. No cost, no obligation.
11+ carriers, explained in plain language.
We review your coverage as life changes and help with claim paperwork.
Based in Richmond Hill, Ontario, we serve clients across Quebec — and also in Ontario, Alberta, Nova Scotia, New Brunswick, and Newfoundland & Labrador.
Yes — every Quebec resident must be covered by a drug insurance plan, either a group/private plan or the public RAMQ plan. We help you figure out which applies to you and what private coverage you still need around it.
Nothing extra. Quotes and advice are free to you — we're paid by the carrier you choose, at no added cost to your premium.
Often, yes — group life and disability amounts are usually modest and disappear when you leave the job. Your own policy stays with you.
Routine dental and most vision care for adults are not covered publicly in Quebec. An individual health & dental plan fills those gaps.
All of Quebec, by phone and online — plus ON, AB, NS, NB, and NL.
Tell us a little about your situation and a Nova Star advisor will reach out within one business day — at no cost and with no obligation.
Nova Star Insurance Consultants • Mon–Fri 9–5 • gaby@novastarinsure.com
