Super Visa & Visitor Insurance — compared in seconds, explained by a real advisor.

Super Visa insurance is private emergency medical insurance that parents and grandparents need to get a Canadian Super Visa. IRCC requires at least $100,000 of coverage for health care, hospitalization and repatriation, valid for at least one year from the date of entry, from a Canadian insurer or an approved foreign insurer authorized by OSFI.

The minimum is $100,000 of emergency medical coverage, valid for at least 365 days from the date of entry to Canada. Many families choose $150,000 to $300,000 for extra protection, and the price difference is often smaller than people expect.

Yes. IRCC accepts a policy that is paid in full or paid in instalments with a deposit — a quote alone is not accepted. Several insurers offer monthly payment plans; Pankaj can show you which ones and what the deposit and conditions are.

It can. Many plans offer an option that covers stable pre-existing conditions such as controlled blood pressure, diabetes or cholesterol. 'Stable' means no change in treatment, medication or symptoms during a set period (often 90, 180 or 365 days) before coverage starts. You must answer every medical question honestly — a wrong answer can void a claim.

For a regular visitor visa it is not legally required, but it is strongly recommended: a single hospital stay in Canada can cost thousands of dollars per day for someone without provincial coverage. For a Super Visa, insurance is mandatory.

Ideally before the visitor arrives in Canada. If you buy after arrival, most insurers apply a waiting period — commonly 48 hours for injuries and up to 7–8 days for illness — during which sickness is not covered.

Yes. Every international student needs health coverage. Some provinces include students in the provincial plan, many universities enrol students automatically in a school plan (in Ontario, usually UHIP), and colleges or language schools often require private coverage. Pankaj can help if your school doesn't provide a plan or you need cover before it starts.

No. Insurance prices are set by the insurer, so you pay the same premium. Buying through a licensed advisor adds free help choosing the plan, answering medical questions correctly, and support if you ever need to make a claim.

Yes. Pankaj and his team serve clients in English, Punjabi, Hindi and Urdu, by phone, WhatsApp, email or in person in Mississauga and Cambridge.