Insurance for foreign workers
Emergency medical coverage for the employee you hire from abroad, in force from the day they land in Canada. Family members travelling with them can be added.
Insurance Solutions for Businesses
Foreign workers, health and dental, life insurance for entrepreneurs
Three coverages for your business
Coverage and conditions vary depending on the plan chosen.
Supplemental health coverage for you and your employees
Prescriptions, dental care, physiotherapy, psychology and vision care. Coverage for you, and the option of offering it to your employees.
Life insurance for entrepreneurs
A tax-free amount paid to your beneficiaries: enough to clear a business loan you personally guaranteed, fund a shareholder agreement, or protect your family.
Why businesses come to Protecto
4.9 out of 5 across more than 700 Google reviews, advisors registered with the AMF, and one point of contact for your coverage and your employees'.
Coverage that lines up with your hire date
A foreign worker's policy can be issued before they leave home and take effect the day they land in Canada.
Protection that follows the person
Every insured person holds their own contract and keeps it, whatever changes at the company.
Several insurers compared
We compare coverage from several Canadian insurers and bring you the ones that fit your situation and your budget.
AMF-registered advisors, in English and French
The same advisor looks after you and your employees, from the first question through to a claim.
Protecto works with Quebec businesses on three things: hiring from abroad, covering the health care RAMQ does not reimburse, and using life insurance to protect the business and the people behind it. Our advisors are registered with the AMF and rated 4.9 out of 5 across more than 700 Google reviews.
You are hiring from abroad
Insurance for foreign workers. A worker arriving in Quebec is not covered by RAMQ for the first few months, and some short-term permits never qualify at all. Until then, medical costs fall on the person or the company. We can put the policy in force on the day your hire lands, and add the family travelling with them.
You want health coverage for yourself and your team
Health and dental insurance. Prescriptions, the dentist, physiotherapy, psychology, glasses: RAMQ pays for only part of it. We set up individual or family coverage for you, and coverage can be offered to your employees as well.
You want to protect the business and your family
Life insurance. A business loan or line of credit you personally guaranteed. A shareholder agreement that needs funding if a partner dies. A key person who would be hard to replace. A family that lives on what the business pays you. Those are the reasons entrepreneurs call us. We compare term and permanent coverage across several insurers and work out how much you actually need.
How it works
- A 20-minute call with an advisor registered with the AMF: your upcoming hires, your current coverage, your financial commitments.
- A comparison of what our partner insurers offer, with the prices.
- Subscription, online or with your advisor.
Frequently Asked Questions
I am hiring a foreign worker. When do they need private medical insurance?
From the day they land in Canada. In Quebec, RAMQ generally applies a waiting period of up to three months, and some short-term permits never give access to the public plan at all. During that time, medical care and hospitalization are paid by the person or the company.
We check the permit type with you before setting the term, and the policy can be issued before departure so it takes effect the day they arrive.
Can the family coming with my employee be covered?
Yes. A spouse and children travelling with the worker can be added to the same coverage, for the same period. They are in the same position as the worker when it comes to the public plan: no provincial coverage during the first months.
I own a business and have no employer plan. What are my health coverage options?
An individual or family health and dental policy. It reimburses what RAMQ does not cover: prescription medications, dental care, physiotherapy, psychology and vision care. You choose the coverage based on what you actually spend, and the policy is yours no matter what happens to the business.
Can I offer health coverage to my employees?
Yes. Each employee can be covered by their own health and dental policy, with the coverage that suits them. Our advisors meet interested employees one on one, review their situation and walk them through the available options.
Why does an entrepreneur need life insurance?
Four situations come up again and again: a business loan or line of credit you personally guaranteed, a shareholder agreement that calls for buying out a partner’s shares on death, a key person whose loss would hurt revenue, and a family that lives on what the business pays you.
The tax-free amount paid to your beneficiaries can clear the debt, fund the buyout, or simply buy your family time. We compare term and permanent coverage from several insurers and work out the right amount for your situation.
Let's talk about what your business needs
Book a call with an advisor registered with the AMF. We go through your upcoming hires, your health coverage and your financial commitments. No fee, no obligation.
Talk to an advisor
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