Working on rotation, running a boat or a business, raising a family on the Rock or in Labrador — a lot of Newfoundland & Labrador income happens far from a head office with a benefits department. Your coverage should be built for that, not borrowed from a group plan that may not exist.
Nova Star Insurance Consultants is a women-owned, independent brokerage based in Richmond Hill, Ontario, serving clients across Newfoundland & Labrador. We compare plans from 11+ Canadian carriers — including Manulife, Sun Life, Canada Life, and RBC — and we work for you, not an insurer.
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Women-owned • Serving all of Newfoundland & Labrador • We reply within 1 business day • (647) 520-6899
The Medical Care Plan (MCP) covers medically required doctor and hospital services in the province. Prescription drugs are covered only through the Newfoundland and Labrador Prescription Drug Program (NLPDP) for those who qualify, routine dental and vision are on you, and MCP coverage shrinks fast when you travel — and living on an island means most trips, including medical travel, leave the province. Private coverage fills the gaps:
Term, whole life, universal, and senior life options.
Life insurance · Senior life insurance · Life insurance needs analysis
A lump sum on diagnosis of a covered serious illness.
Income replacement if illness or injury keeps you off work or off rotation.
Drugs, dental, vision, and paramedical coverage for individuals and families.
Individual health and dental · Find your health and dental plan
Coverage for your crew or business, and tax-efficient HSAs if you're incorporated.
Group health and dental plans · Health spending account
Emergency medical coverage for travel outside the province and country, and Super Visa coverage for visiting parents and grandparents.
Your own policy that pays your family, vs. bank coverage that pays the lender.
A short call or our free quote form. No cost, no obligation.
11+ carriers, explained in plain language.
Reviews as life changes, and help with claim paperwork.
Based in Richmond Hill, Ontario, we serve clients across Newfoundland & Labrador — and also in Ontario, Quebec, Alberta, Nova Scotia, and New Brunswick.
Only in a very limited way, and not outside Canada in any meaningful amount. If you leave the province — for work, family, or a holiday — travel medical insurance is essential.
Only through the NLPDP for those who qualify. A private health & dental plan covers drugs, dental, and vision for everyone else, or tops up existing coverage.
Yes — individual disability plans are built for rotational, contract, and self-employed workers. Your occupation and work pattern shape the options, which is what the comparison is for.
Nothing extra. We're paid by the carrier you choose, at no added cost to your premium.
All of Newfoundland & Labrador, by phone and online — plus ON, QC, AB, NS, and NB.
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
