Protect Your Move

Arriving in a new country brings opportunity — and new responsibilities. At CBR Services we partner with Olga Rijkova, a licensed insurance broker, to offer newcomer-focused insurance solutions that close the gaps OHIP and employer benefits may leave open. Olga provides free consultations, personalised plan comparisons, and hands-on claims support so you and your family are protected from day one.

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Health & Dental — fill the gaps OHIP doesn’t cover

Even with OHIP, many essential services — dental, prescription drugs for adults, vision care, paramedical therapies (physiotherapy, chiro, massage) — are out-of-pocket. Olga sources private health and dental plans that match your budget and family needs, including short-term plans for newcomers waiting for provincial coverage. Plans can be structured to cover dependents, provide extended paramedical visits, and include drug coverage where needed.

Key benefits: direct-billing options, family packages, flexible waiting periods, and quick enrolment for newcomers.

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Life Insurance — financial security for your loved ones

Life insurance protects your family from the financial shock of an unexpected loss. Olga recommends straightforward, cost-effective term life policies for most newcomers — flexible coverage that can pay mortgages, loans, and future education costs. She helps you determine an appropriate coverage amount and term, and explains conversion options for long-term protection.

Typical uses: mortgage protection, income replacement, education fund planning.

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Disability Insurance — protect your income & lifestyle

Your ability to earn is often your most valuable asset. Disability insurance provides monthly income if illness or injury prevents you from working. Olga tailors income-protection products for salaried workers, contract workers and self-employed professionals — focusing on elimination periods, benefit periods and the level of coverage necessary to maintain your household.

Ideal for: self-employed newcomers, gig workers, contractors, and anyone without employer-sponsored short-term or long-term disability.

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Accident & Critical Illness — extra protection for peace of mind

Accident insurance offers immediate cash benefits for fractures, hospital stays and ambulance costs; critical-illness coverage can provide a lump sum if you’re diagnosed with a covered serious illness. These affordable add-ons help protect savings and provide financial breathing room during recovery.

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Travel Medical Insurance — essential for trips home

Frequent international travel to visit family is common for newcomers. Travel medical insurance protects you from steep overseas medical costs, trip interruptions, and lost luggage. Olga offers both single-trip and multi-trip annual plans that fit different travel patterns and family sizes.

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Insurance for Self-Employed & Small Business Owners

If you run your own business, your insurance needs are different. Olga designs packages that can include business overhead expense protection, key-person insurance, professional liability referrals, and personal coverage to stabilize income during interruptions. She aligns policy start-dates and documentation with immigration timelines so your coverage supports both business continuity and PR requirements.

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Claims Support & Ongoing Advice — we stay with you after you buy

Buying a policy is only the first step. Olga provides full claim support: she helps collect and submit required documents, follows up with carriers, and advocates for timely payouts. She also reviews your coverage annually to ensure it still meets your evolving family and immigration goals.

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How to get started — Free consultation & quick quote

Book a free, no-obligation consultation with Olga to review your situation and receive tailored, easy-to-understand recommendations. Olga will compare multiple carriers, explain trade-offs, and deliver a clearly itemized quote so you can make confident decisions.

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Request a free insurance consultation with Olga Rijkova — Email: cbrservices@gmail.com or visit https://insurancestoronto.ca/ to request an appointment.