TopInsure.ca Logo
📍 Serving Brampton, Toronto & All of Canada

Find the Best Super Visa Insurance for Your Loved Ones

Get quick and fast approvals on cheap, affordable visitor insurance. We compare top providers to guarantee 100% IRCC compliance and comprehensive coverage.

Compare Quotes Now 📞 (289) 989-2201
Bhupinder Saini - Super Visa Insurance Expert in Brampton
✓

Bhupinder Saini

White-Glove Service • 4.9/5 Rating

We Compare Top Canadian Providers: Manulife RIMMI And More

Why Families Choose TopInsure.ca

We don't just sell insurance; we provide peace of mind. By comparing multiple providers based on deductibles, age, and policy length, we ensure you get the best coverage in Brampton.

🍁

100% IRCC Compliant

Meets exact Government of Canada requirements: guaranteed minimum $100,000 emergency medical coverage valid for 365 days.

🔍

Cheap & Affordable Quotes

Don't overpay. We compare quotes from Manulife, RIMMI, and more to find cheap rates based on your preferred deductibles.

⚡

Quick & Fast Approvals

We issue policies instantly. Receive your official digital proof of insurance immediately after selecting your plan.

❤️

Pre-Existing Conditions

We secure specialized policies that cover stable pre-existing medical conditions, including diabetes, blood pressure, and heart issues.

📅

Adaptable Start Dates

Flight delayed? No problem. We offer completely adaptable start dates so your policy begins exactly when your parents land in Canada.

💸

Pro-Rata Refunds

If your parents or grandparents return to their home country early, enjoy a hassle-free, pro-rata refund for the unused days of coverage.

Proudly Serving the Brampton Community

Watch our local guide to bringing your family to the Greater Toronto Area safely.

Official IRCC & LICO Requirements

Before applying for a Canadian Super Visa, the IRCC dictates that sponsors must prove they meet income thresholds and that their parents have secured proper health insurance. Your application must meet these exact criteria:

  • ✓

    Low Income Cut-Off (LICO): The Canadian host must provide proof (like NOA or T4s) that their household income meets or exceeds the minimum necessary LICO requirement for their family size.

  • ✓

    Minimum $100,000 Coverage: The insurance policy must provide a minimum emergency coverage of $100,000 to cover health care, hospitalization, and repatriation.

  • ✓

    Valid for 365 Days: The health insurance must be valid for a minimum of 1 year from the date of entry and issued by a Canadian provider.

  • ✓

    Proof of Purchase: The policy must be paid in full or in instalments with a deposit. Quotes aren't accepted.

Criteria Super Visa Visitor Visa
Length of Stay Up to 5 years per visit Up to 6 months per visit
Insurance Coverage Mandatory ($100K+) Recommended (Flexible)
Duration Mandatory 365 Days Match trip length
Provider Canadian / Approved Only Any Accepted

Meet Bhupinder Saini

Licensed Insurance Broker | Serving Brampton, Toronto & Ontario

Bringing your parents or grandparents to Canada is a major family milestone. Navigating the rigid IRCC guidelines shouldn't add to your stress.

I believe in providing white-glove, personalized service. As an independent licensed broker, I don't work for a single insurance company—I work for you. I aggressively compare policies across Canada's top providers to secure the lowest premiums, the best coverage for complex pre-existing conditions, and flexible monthly payment plans.

Expert in IRCC & LICO Guidelines
Fluent in English, Hindi & Punjabi
100% Free VIP Consultation
Hundreds of Satisfied Families
✉️ [email protected]

Frequently Asked Questions

Clear, factual answers about Super Visas, LICO, and Medical Coverage.

How much does Super Visa Insurance cost in Brampton?
The cost of Super Visa Insurance in Brampton varies based on age, coverage amount, and pre-existing conditions, but generally starts around $800 to $1,500 per year. We offer monthly payment plans to make it affordable.
Can I buy Super Visa Insurance for my parents visiting Brampton online?
Yes, you can secure 100% IRCC-compliant Super Visa Insurance completely online or over the phone with TopInsure.ca, without needing a physical medical exam.
Who is the best insurance broker for Super Visas in Brampton?
Bhupinder Saini at TopInsure.ca is a top-rated, licensed insurance broker serving Brampton and the GTA, specializing in matching families with the lowest premiums for Super Visa coverage.
Where can I find the best Super Visa Insurance in Canada?
TopInsure.ca helps you find the best Super Visa Insurance in Canada by comparing top providers like Manulife and RIMMI. We ensure you get comprehensive coverage with the highest approval rates for the IRCC.
How do I get cheap or affordable Super Visa Insurance in Brampton and Toronto?
To find cheap and affordable Super Visa Insurance without sacrificing quality, we compare quotes from multiple Canadian insurers. You can save up to 45% by choosing the right deductible and payment plan with our licensed brokers in Brampton and Toronto.
Is the insurance approval process quick and fast?
Yes! We specialize in quick and fast processing. Once you choose your quote, we can process your application and email you the official IRCC-compliant Proof of Insurance letter almost instantly.
How do I prove my relationship to the host in Canada?
You must prove that you are the parent or grandparent of your host. The IRCC accepts documents such as a copy of the host's birth certificate, baptismal certificate, or another official document naming you as the parent or grandparent.
What documents do my parents need to show at the border?
When they arrive in Canada, a border services officer will ask to see their valid travel documents (passport) and their proof of paid health insurance. These documents should not be packed in their checked luggage.
What is the LICO requirement for a Super Visa?
The Low Income Cut-Off (LICO) is the minimum income the Canadian host (the child or grandchild) must prove they earn to support their visiting family members. The required amount depends on your total family size, including the visiting parents.
What is a letter of invitation and who can co-sign it?
The letter of invitation is a mandatory document written and signed by the host child or grandchild. Your child or grandchild's spouse or common-law partner can co-sign the letter if they are a Canadian citizen, permanent resident of Canada or registered Indian. Other family members, such as siblings, cannot co-sign.
Does the insurance have to be from a Canadian company?
Yes, the policy must be from a Canadian insurance company, or an insurance company outside Canada that is approved by the minister and authorized by OSFI.
Can I use a quote as proof of insurance for the application?
No. The policy must be paid in full or in instalments with a deposit. Quotes aren't accepted.
How long can they stay in Canada on a Super Visa?
A super visa provides multiple entries for a period of up to 10 years. If you applied on or after June 22, 2023, you are eligible to stay for 5 years at a time.
What if my parents return to their home country early?
If your parents or grandparents return to their home country before their 365-day policy expires, you are eligible for a pro-rata refund for the unused days, provided no claims have been filed on the policy during their stay.
Are pre-existing medical conditions covered?
Yes, we compare multiple providers to find specialized policies that cover stable pre-existing medical conditions, including diabetes, high blood pressure, and heart conditions. A condition is typically considered "stable" if there have been no changes in medication or treatment for 90 to 180 days prior to the effective date.
What exactly does the medical insurance cover?
The policy must cover the applicant's health care, hospitalization and repatriation. Beyond standard hospital stays and physician visits, comprehensive Super Visa Insurance covers necessary nursing care, ambulance transportation services, prescription drugs, and emergency dental repair.
Can I change the start date if their flight is delayed?
Absolutely. We offer completely adaptable start dates. If flight dates change, simply notify us before the original effective date of the policy, and we will adjust the start date of your coverage at no additional administrative cost.
Do my parents need a medical exam to get this insurance?
You must provide proof that you had a medical exam with an approved panel physician. However, for the insurance policy itself, a physical exam is usually not required—only a medical questionnaire.
Do I need to hire a representative to apply?
No, you're not required to hire a representative. The IRCC treats everyone equally, whether they use the service of a representative or not.
Can I apply for a Super Visa from inside Canada?
No, you must be outside Canada when you submit your application.
Can I include dependants on the Super Visa application?
No, you can't include dependants in this application.
What are the government fees for the Super Visa?
The Super visa fee is $100 CAD per person. If you need to give biometrics, the fee is an additional $85 CAD.
What if the visa application is denied?
If your parent or grandparent's Super Visa application is unfortunately denied by the IRCC, you are eligible for a 100% full refund on your insurance premium. You simply need to provide us with the denial letter from the government before the policy's effective date.

Secure Your Free Quote Today

Fill out the form below or Call/Text (289) 989-2201.

By submitting, you consent to being contacted by TopInsure.ca / Bhupinder Saini regarding your insurance inquiry. Your data is never sold.

💬 Text Us