Changing the way businesses approach employee benefits.

Our comprehensive employee benefits program provides life, health and dental plans to over 1,600 independent Canadian businesses.

Expert in-house insurance teams provide the product and all related services, such as day-to-day administration, analytical support and ongoing service support. This unique program structure saves you time and money while providing your employees with the coverage they need.

Our Advantages

pay-direct drug/dental card

Pay-direct drug cards that cover prescription drugs and professional services electronically at the point of sale.

Long-term rate stability

Stability is generated by spreading claims over the entire pool of TotalGuard participants.

Cost Savings

Members will receive immediate savings off existing premiums for equivalent coverage.

Program flexibility

Member organizations have many different coverage options to choose from.

Online Administration

Plan sponsors can conveniently perform many administrative functions online.

Dedicated Service

Each member will have a dedicated customer service representative to assist them.

Coverage Options


Extended health coverage helps your employees pay for necessary medical expenses that may not be covered under their provincial health care plan.


Dental coverage can help cover the costs of dental work for your employees and their families. Build your plan with a variety of coverage levels, from basic maintenance to major restoration.


Helps cover costs of prescription drugs and professional services such as chiropractor, massage therapy and physiotherapy.


Provides employees with coverage for regular eye exams, eyeglasses or contact lenses, and laser eye surgery.


Health Care Spending Accounts provide your employee’s with coverage for health-related expenses not included in their plan, or to top up their group benefits.

Interested in a tailored employee benefits plan?

Fast. Convenient. Paperless.

Our online administration service provides members
24/7 access to their employee benefits plan. making it easier to:

  • Submit claims
  • Sign up for direct deposit
  • Download personalized claim forms
  • Check coverage eligibility instantly
  • Verify Health Care Spending account balances


Online Login