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Red Helm Canada

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Red Helm Canada

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We specializes in health benefits and life insurance

11/04/2026

Heading out for a weekend getaway? Think travel insurance is overkill? ✈️🍁

Your provincial health plan offers very limited protection outside your home province—and almost none in the US. A single medical emergency abroad can cost thousands, while travel insurance for a short trip often costs less than a checked bag.

Key takeaways:
- Always add emergency medical coverage, even for short trips.
- Include trip cancellation and baggage protection for peace of mind.
- Use a broker to compare plans at no extra cost—Red Helm can simplify choices for you.

Have a short trip coming up? Tell us where you’re headed or DM us for a quick review of your coverage. Read more: https://redhelm.ca/why-travel-insurance-is-worth-it-for-short-holidays/

Why Travel Insurance is Essential for Short Trips: A Canadian’s Guide Yes, travel insurance is absolutely worth it for short trips. Your provincial health coverage offers minimal protection outside your home province and almost none in the US. Even for weekend getaways, travel insurance provides e...

11/03/2026

What if your team could see a doctor from their desk — anytime, anywhere? 🩺📲🇨🇦

Consult+ is a virtual clinic built into Canada Life GroupNet that lets employees connect with doctors, nurses, psychologists, dietitians and health coaches via app or web — 24/7.
Prescriptions can be sent straight to a local pharmacy, and all records are securely managed through Dialogue. 🔒

Key takeaways:
- Easy access: employees use GroupNet — no complicated setup for your team.
- Broader support: physical, mental and wellness care in one place.
- Business benefits: reduces downtime, supports retention and strengthens your benefits offering.

Would Consult+ help your workplace? Comment below or DM us to see how Red Helm can help add it to your Canada Life plan (no setup fees).

Consult+ Virtual Healthcare Benefits for Your Employees Imagine a workplace where your employees have immediate access to quality healthcare without ever leaving their home or office. With Consult+, a virtual health clinic integrated into Canada Life group benefits, this vision becomes reality. This...

11/02/2026

Heading to Canada soon? ✈️🍁 Think travel insurance can wait?

Quick answer: It’s not mandatory for all visitors — but it’s strongly recommended. Super Visa holders and Working Holiday participants must have coverage. Canada’s public healthcare doesn’t cover tourists, and medical bills can be very expensive without a plan.

Key takeaways:
- Confirm if your trip requires insurance (Super Visa, Working Holiday = required).
- Buy emergency medical coverage that includes hospitalization and repatriation.
- Compare plans and check limits/exclusions before you arrive.

Questions about what to buy or which policy fits your trip? Comment below or DM us — we’ll compare options for you at no extra cost.

Learn more: https://redhelm.ca/do-you-need-health-insurance-to-visit-canada/

Do You Need Health Insurance to Visit Canada? Essential Guide for Travelers Quick Answer: While health insurance isn’t mandatory for all visitors to Canada, it’s strongly recommended for tourists and absolutely required for Super Visa holders and Working Holiday participants. Canada’s healthca...

11/01/2026

Solo incorporated business owner? You can set aside pre-tax dollars for medical costs using a Health Spending Account (HSA) — officially a PHSP — without needing a group plan or worrying about pre-existing conditions. 💼💊

HSAs give you cost certainty and flexibility: contribute when you need to and get tax advantages through your corporation.

Key takeaways:
• An HSA/PHSP works well for single-employee corporations — no minimum headcount or claims history required.
• It covers eligible medical expenses using corporate dollars that are tax-efficient.
• Design matters: PHSPs must follow CRA rules, so structure it correctly to keep the tax benefits.

Want to know if a PHSP fits your situation? Comment below with your business type or DM us for a quick, no-cost check — or read more: https://redhelm.ca/hsa-limits-for-sole-employee-incorporated-businesses-in-canada/

Healthcare Spending Accounts (HSAs) are a great group benefits solution for single employee incorporated businesses in Canada because they allow business owners to set aside pre-tax dollars for medical expenses in a cost-certain way. This means, an entrepreneur can allocate only whenever they need t...

10/31/2026

Think your long-term disability (LTD) policy has you fully covered? Many basic plans only offer minimum protection — riders can make the difference. 🔎

Riders are optional add-ons that enhance your LTD policy. The right ones can protect income, keep benefits up with inflation, and help if you return to work part-time. 🛡️

Common riders to consider:
- Own-occupation: Pays benefits if you can’t do your specific job (valuable for specialized professions).
- Cost-of-living adjustment (COLA): Keeps benefits aligned with inflation.
- Residual/partial disability: Provides partial benefits if you can work reduced hours.

Key takeaways:
1) Prioritize own-occupation if your role is specialized or hard to replace.
2) Add COLA for long-term protection against rising costs.
3) Residual riders help bridge income when transitioning back to work.

Choosing riders depends on your job, finances, and risk tolerance — and you don’t have to do it alone. Want a quick review of your LTD options? Read more: https://redhelm.ca/disability-insurance-riders/ or comment/DM to chat with a Red Helm broker at no extra cost. 🇨🇦

While a basic long-term disability insurance policy provides essential coverage if you’re unable to work due to illness or injury, it typically only offers minimum protection. To truly safeguard your financial future, disability insurance riders—optional benefits that enhance your policy—can b...

10/30/2026

Want to boost employee compensation without inflating payroll taxes? 💼

Group benefits can be a tax-efficient way to reward your team — many employer-paid benefits are excluded from employees’ taxable income and remain deductible for the employer. That means better value for both sides.

Key takeaways:
• Benefits are often paid outside payroll taxes, reducing employer tax burden 📊
• In many cases employees receive coverage tax-free, improving take-home value ✅
• Make sure plans are set up correctly — work with a broker/accountant to qualify for tax treatment

Thinking about using group benefits to attract and retain talent or lower overall compensation costs? We can help compare carriers and design a tax-efficient plan that fits your business.

Questions about how this works for your company? Comment below or DM us to get started. Learn more: https://redhelm.ca/the-tax-advantages-of-group-benefits/

Group benefits are a tax-efficient way to compensate your employees. Not only are they paid to employee outside of payroll taxes but in many cases, benefits are provided to the employee free of income tax and remain a deduction for the employer. Payroll Taxes Payroll taxes in Canada include premiums...

10/29/2026

Visiting Canada? 🇨🇦 Don’t assume you’re covered — public healthcare usually doesn’t apply to tourists or temporary visitors.

A medical emergency here can cost thousands, and while only some visas legally require insurance (Super Visas, work permits, IEC), every visitor should consider protection.

Key takeaways:
- Visitors insurance typically covers emergency medical care, hospitalization, and emergency evacuation — critical gaps for non-residents. 🩺
- Buy coverage before arrival and confirm limits, deductibles, and pre-existing condition rules. ⏳
- Need help choosing? Compare plans by coverage, not just price — our brokers provide personalized market research and dedicated support at no extra cost. 🛡️

Read the full guide for what’s covered and how to pick the right plan: https://redhelm.ca/visitors-to-canada-insurance-essential-guide-for-tourists-and-temporary-workers/

Planning a trip or sponsoring someone to visit? Ask us your questions below or message us for a tailored recommendation. ✈️

Visitors to Canada need travel health insurance because Canada’s public healthcare system does not cover non-citizens or non-permanent residents. While tourists are not legally required to have insurance (except Super Visa holders, work permit holders, and IEC participants), medical emergencies ca...

10/28/2026

Want to attract, retain and inspire top talent? Your employee benefits plan can be a growth engine — not just a healthcare checkbox. 📈

Thoughtful benefits packages boost recruitment, reduce turnover, increase productivity, and strengthen your employer brand.

Key takeaways:
• Audit your current plan to spot gaps that cost you talent.
• Offer flexible, meaningful benefits (mental health, remote-friendly options, family coverage).
• Partner with a broker to access market research and tailor cost-effective solutions.

At Red Helm, we help employers design strategic benefits with dedicated broker support and no extra fees — so your package works for business and people. 🤝

What’s your biggest benefits challenge right now? Comment below or DM us to get a quick review — or learn more: https://redhelm.ca/employee-health-benefits-a-key-component-to-growth-and-success/

How a Strategic Employee Benefits Plan Drives Business Growth A well-designed employee benefits plan is a powerful business growth tool that goes beyond traditional healthcare coverage. Strategic benefits packages directly impact talent acquisition, retention, productivity, company reputation, and o...

10/27/2026

Think OHIP will cover your medical bills overseas? Think again. ✈️🛡️

Ontario’s OHIP offers only limited reimbursements when you leave the country — modest daily amounts for outpatient and inpatient care and only for a short period. That won’t replace private travel or in‑country cash in a foreign hospital.

Key takeaways:
- Don’t rely on OHIP alone while travelling — get travel health insurance to avoid big surprises.
- If you’re not emigrating, try to keep your OHIP; travel plans and pre‑existing conditions are often easier/cheaper to insure.
- Emigrating or staying abroad long‑term? Look into expatriate health coverage and local public/private options.

Have a trip coming up or unsure which coverage fits your trip or medical history? Ask below or send us a message — our brokers compare options across carriers at no extra cost. 💬

We’re fortunate as Canadians in that we have the means not only to travel but to travel safely. Those of us who do travel should travel safely. We’re used to having at least basic public healthcare as a right here in Ontario but it’s not like that everywhere. While abroad, it’s important you...

10/26/2026

Medium-sized business (50–250 employees)? Your health benefits plan could be the difference between hiring top talent — or losing them. 💼

The right benefits package delivers a competitive edge, reduces turnover, boosts productivity, and helps control long-term costs. 📈

Key takeaways:
• Tailor coverage to your team — families, remote workers, and younger staff need different supports.
• Build cost-control levers (wellness programs, smart drug and paramedical coverage design) to manage premiums without cutting value.
• Work with a broker who compares multiple carriers and provides dedicated support at no added cost — it saves time and money.

Want a step-by-step guide? Read our complete guide for medium-sized Canadian companies: https://redhelm.ca/health-benefits-for-medium-sized-canadian-companies/

What’s your biggest challenge when it comes to employee benefits? Comment below or DM us to connect with a broker. ❤️

The Complete Guide to Health Benefits Plans for Medium-Sized Canadian Businesses For medium-sized Canadian companies with 50-250 employees, implementing a well-designed health benefits plan is essential for competitive advantage, employee retention, and long-term cost management. The right benefits....

Address

275 Slater Street, 9th Floor
Ottawa, ON
K1P6A6

Opening Hours

Monday	9am - 6:30pm
Tuesday	9am - 6:30pm
Wednesday	9am - 6:30pm
Thursday	9am - 6:30pm
Friday	9am - 4:30pm

Telephone

+18662305565

Website

https://redhelm.ca/

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