Licensed advisor · Mississauga & Cambridge, ON
Pankaj Bhatia — Financial Advisor, PFA, CHS
Licensed advisor · Pankaj Bhatia, PFA, CHS

Super Visa & visitor medical insurance, compared in seconds.

Instant quotes from Canada's leading insurers for parents, grandparents, visitors and international students — explained by a licensed advisor, not a call centre.

IRCC-compliant Super Visa plansPre-existing condition optionsRefund if visa refused*

Get an instant quote

Compare 12+ insurers in seconds — no email required.

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Rather talk? 289-643-6300 · 647-640-2222

$100K+Super Visa minimum, always met
12+Insurers compared at once
7Provinces licensed
2Ontario offices · Mississauga & Cambridge
What we cover

Medical and life protection for the whole family

From your parents' first Super Visa to your own life insurance — one licensed advisor, one place to compare.

Super Visa Insurance

IRCC-compliant $100,000+ coverage for parents and grandparents. Compare single and couple plans, deductibles and monthly payment options.

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Visitors to Canada Insurance

Emergency medical for tourists, visiting relatives, new immigrants awaiting provincial coverage and returning Canadians.

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International Student Insurance

Coverage for international students before school plans start, during gaps, and for family visiting for convocation.

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Term Life Insurance

Protect your mortgage and your family's income for 10, 20 or 30 years at affordable, fixed rates.

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Whole Life Insurance

Permanent protection with guaranteed premiums and cash value — ideal for estate and legacy planning.

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Critical Illness Insurance

A tax-free lump sum if you're diagnosed with cancer, heart attack, stroke or another covered illness.

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How it works

Covered in three simple steps

Compare

Enter age, coverage amount and dates. See plans from multiple insurers side by side, with benefits in plain language.

Confirm

Pankaj reviews pre-existing conditions, deductibles and refund rules with you, so there are no surprises at claim time.

Get covered

Receive your policy and the confirmation letter the visa office expects — usually the same day.

Super Visa insurance, done right

What does a Super Visa insurance plan cover?

Every plan we offer meets IRCC's Super Visa rules. Typical benefits include:

  • Hospitalization & surgery
  • Doctor & walk-in clinic visits
  • X-rays, ultrasound & lab tests
  • Prescription drugs
  • Ground & air ambulance
  • Emergency dental & dental pain
  • Repatriation of remains
  • Side trips outside Canada*
  • 24/7 multilingual assistance
  • Stable pre-existing conditions*

*Depending on the plan, age and stability requirements. Always review the policy wording.

Explore Super Visa insurance
Quick answer

Super Visa insurance must provide at least $100,000 of emergency medical coverage, be valid for at least one year from entry, cover health care, hospitalization and repatriation, and be issued by a Canadian insurer or an OSFI-authorized foreign insurer. Many insurers now offer monthly payment plans.

Good to know

Your parents' deductible choice ($0 up to several thousand dollars) and whether they need cover for a pre-existing condition are the two biggest factors in price. See our Super Visa insurance cost guide.

One comparison, many insurers

Plans from Canada's leading travel-medical insurers

We compare benefits, deductibles and pre-existing condition rules side by side — so you choose on value, not just price.

ManulifeTuGoAllianzGMS21st CenturyDestination TravelTravelanceJF InsuranceSecure TravelTravCareAwayCareMSH Discover CanadaTravel ShieldTrustone Health

Insurer availability varies by product, age and province.

Pankaj Bhatia, licensed insurance advisor
Your advisor

Pankaj Bhatia, PFA, CHS

Licensed insurance advisor serving families from offices in Mississauga and Cambridge, Ontario.

Pankaj has spent years helping Canadian families bring parents and grandparents to Canada safely — explaining stability periods, deductibles and refund rules before you buy, and standing with you if you ever need to claim. He also advises on term life, whole life and critical illness insurance so your own family is protected too.

Licensed in Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick and Nova Scotia.

More about Pankaj
Client stories

Families trust Pankaj Bhatia

“Pankaj is very knowledgeable and has always provided me with the best insurance products to suit my needs. Highly recommend!”

Arjun GulatiCanada

“Probably the best website in Toronto for Super Visa insurance and visitors medical insurance.”

UdayakumarCanada

“I have been dealing with Pankaj Bhatia, who has been super professional and responsive to my needs.”

Anurag SoodCanada

“I just would like to share what an amazing experience I had with the agent today out of Pankaj's office.”

Jatin MehraUSA

“EMI is one of the trusted names. Recently I took insurance for my parents. The experience was awesome.”

PreetPal SinghCanada

“Always the best customer service, especially for Super Visa insurance. I recommend EMI to all my friends.”

Mr. Nahar SaharCanada

Frequently asked questions

What is emergency medical insurance for visitors to Canada?

It is private insurance that pays for unexpected medical emergencies — hospital stays, doctor and surgeon fees, diagnostics, prescriptions and ambulance — while a visitor is in Canada. Provincial health plans such as OHIP do not cover visitors, so a single hospital visit can cost thousands of dollars without it.

Is Super Visa insurance mandatory?

Yes. IRCC requires Super Visa applicants to hold private medical insurance with at least $100,000 of emergency coverage, valid for at least one year from the date of entry, covering health care, hospitalization and repatriation. The policy must come from a Canadian insurer or an OSFI-authorized foreign insurer.

How fast can I get a quote?

Instantly. Enter the traveller's age, coverage amount and trip dates in our comparison tool — no email or phone number is needed to see prices from multiple insurers.

Can visitors with pre-existing conditions get coverage?

Often, yes. Many plans cover stable pre-existing conditions such as controlled blood pressure or diabetes, depending on age and the insurer's stability period (commonly 90 or 180 days). Pankaj will help you choose a plan whose definitions fit your parents' health history.

Do I get a refund if the visa is refused or my parents return early?

Most Super Visa and visitor plans refund the full premium if the visa is refused (with proof of refusal) and offer a partial refund for early return when no claim has been made. Administration fees and conditions vary by insurer.

Not sure which plan fits?

Talk to Pankaj Bhatia — a licensed advisor who will explain the fine print in plain language.

Call 289-643-6300Request a callback
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