Retiring, snowbirding, running your own business, raising a family — Nova Scotians juggle all of it, often on coverage that was set up years ago and never reviewed. A fresh comparison costs nothing and can change the picture.
Nova Star Insurance Consultants is a women-owned, independent brokerage based in Richmond Hill, Ontario, serving clients across Nova Scotia. 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 Nova Scotia • We reply within 1 business day • (647) 520-6899
Nova Scotia's MSI covers medically required doctor and hospital services. It does not cover most prescription drugs for working-age adults (provincial programs like Family Pharmacare and Seniors' Pharmacare exist for those who qualify), routine dental, vision, or paramedical care — and its coverage outside Nova Scotia and Canada is very limited. 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 stops you working.
Drugs, dental, vision, and paramedical coverage for individuals, families, and retirees.
Individual health and dental · Find your health and dental plan
Coverage for your team, and tax-efficient HSAs if you're incorporated.
Group health and dental plans · Health spending account
Emergency medical coverage for travel outside Nova Scotia, 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 Nova Scotia — and also in Ontario, Quebec, Alberta, New Brunswick, and Newfoundland & Labrador.
Yes — MSI's coverage outside Canada is very limited, and a US hospital stay can be financially devastating without travel medical insurance. We compare plans built for longer winter stays.
Not for most working-age adults. Programs like Family Pharmacare and Seniors' Pharmacare help those who qualify; a private plan can cover the rest, or stand on its own.
Nothing extra. We're paid by the carrier you choose, at no added cost to your premium.
Not necessarily — senior life insurance and individual health & dental plans exist specifically for retirees. A quick conversation sorts out what's realistic.
All of Nova Scotia, by phone and online — plus ON, QC, AB, 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
