Terms of Service

1. Agreement to Terms

By accessing TopInsure.ca, you agree to these Terms of Service. TopInsure.ca is operated by Bhupinder Saini, a licensed insurance broker in the Province of Ontario. If you do not agree with these terms, please refrain from using our brokerage services.

2. Independent Insurance Brokerage Role

TopInsure.ca acts as an independent intermediary between insurance applicants and licensed Canadian insurance companies (including Manulife, RIMMI, TuGo, Allianz, GMS, etc.). Quotes generated on this website are estimates based on information provided by the user. Final policy approval, premiums, and terms are governed strictly by the issuing insurance company.

3. IRCC Compliance & Policy Guarantees

All Super Visa Insurance policies recommended by TopInsure.ca meet or exceed the mandatory guidelines set by Immigration, Refugees and Citizenship Canada (IRCC)—specifically providing a minimum of $100,000 emergency medical coverage valid for 365 days from entry.

4. Refunds, Denials, & Adaptable Dates

• Visa Denials: If a Super Visa application is rejected by the IRCC, a 100% full refund is issued by the insurer upon presentation of the official government denial letter prior to the policy effective date.
• Pro-Rata Refunds: If the insured traveler returns to their home country early, a pro-rated refund for unused days may be requested, provided no claims have been filed.
• Date Adjustments: Policy effective dates are fully adaptable prior to travel if flight dates change.

5. Accuracy of Medical Disclosures

Applicants are responsible for disclosing accurate medical histories (such as pre-existing conditions like diabetes or hypertension). Omitting or misrepresenting medical history during enrollment may void coverage or lead to claim denials by the insurance carrier.

6. Governing Law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.