Canada’s universal care, while excellent, is not comprehensive. Emergency and preventive care are largely covered, but knowing what is not covered is critical to planning for the worst.

Around 30% of health expenditures in Canada are privately financed by supplemental insurance (group or individual) or by patients themselves out-of-pocket. This includes dental and vision care and access to prescription medications.

Ralph Moss Limited has partnered with Manulife Financial to offer Travel Agents health and dental coverage under the

Manulife Associations Plan.

Why Ralph Moss Limited?

We can talk IBNR, NEM, COB and HSA with the best of them. But we prefer to speak with our clients about their group benefits in plain English.

That attitude has help propel Ralph Moss Limited (RML) from its modest beginnings over 40 years ago to what it is today: a leading benefits consulting firm specializing in group life, health and disability coverages and retirement savings and pensions plans.

Every great firm starts with a great founder. Although Ralph Moss is no longer with us, RML continues his legacy of pioneering in group benefits with a team of creative and professional benefit consultants and support staff dedicated to innovation in benefit solutions.

Why Manulife Financial?

Manulife was founded in Canada in 1887. Since then, they have expanded into the international market with a client base spanning from Canada to the United States, Bermuda, and Asia. They offer a wide variety of financial and insurance products including various private health insurance plans.

As a leading global financial services company, Manulife provides financial advice, insurance, and health, wealth and asset management solutions to individuals, groups and institutions. Currently, more than 34,000 employees, 63,000 agents and thousands of distribution partners serve 26 million customers around the world. The Canadian division employs over 12,000; one in three Canadians benefit from its services.