Looking for Super Visa insurance in Kitchener? Life Advice Insurance Inc. is a local, independent broker with an office at 912 Isaiah Pl, Kitchener, ON N2E 0B6, serving families in Kitchener, Waterloo, Cambridge, Guelph and across Ontario since 2015. We compare Super Visa plans from 20+ Canadian insurers so your parents or grandparents get coverage that meets IRCC rules at the right price. Help is available in English, Hindi and Punjabi, and you can get quotes and compare benefits online or visit us Monday to Saturday, 9 a.m. to 9 p.m.
On July 15, 2026, IRCC confirmed that the Parents and Grandparents Program (PGP) is paused for new applications. For most families in Waterloo Region, the Super Visa is now the main way to bring parents and grandparents for long visits. It lets them stay up to 5 years per entry, on a multiple-entry visa valid for up to 10 years. Many of the families we help are inviting parents from India, often to arrive before winter or for a new grandchild.
To be accepted by IRCC, the medical insurance must:
Always check the IRCC Super Visa page for the latest rules before you apply. Read our full Super Visa requirements checklist.
Visitors are not covered by OHIP. If a visiting parent needs emergency care at Grand River Hospital or St. Mary's General Hospital in Kitchener, Cambridge Memorial Hospital or Guelph General Hospital, the bill goes to your family at non-resident rates. An emergency visit can cost hundreds of dollars, a hospital bed several thousand dollars a day, and a heart attack or stroke with surgery can reach tens of thousands of dollars.
If the Super Visa is refused, most insurers refund the premium when you send the refusal letter, as long as the policy has not started. If your parent goes home early and there are no claims, many plans refund unused months, often minus a small fee. See how refunds work.
Yes, many insurers offer monthly plans with a deposit, and IRCC accepts instalment plans that meet the Super Visa rules. Compare the 12-month total, not just the first payment. See monthly payment plans.
Many plans cover stable conditions such as diabetes, high blood pressure or heart conditions. Stable usually means no new symptoms, treatment or medication change for a set period, often 90 or 180 days, depending on the insurer and age. See our pre-existing conditions guide.
Price depends mainly on age, coverage amount, deductible and pre-existing condition coverage, and every insurer sets its own price. See Super Visa insurance cost by age, or get exact quotes online.
Imagine a family in Kitchener inviting parents aged 68 and 72 from India. The father has high blood pressure that has been stable for two years on the same medication. Comparing several insurers side by side shows which plans cover his stable condition, which offer a couple rate, and what a $1,000 deductible and monthly payments would cost. The family chooses the plan that fits their budget, uploads the insurance confirmation with the online IRCC application, and keeps copies for the airport.
Yes. Proof of insurance is part of the application, so you buy it before you apply. Ask about the refund rules if the visa is refused.
Yes. Our office is at 912 Isaiah Pl, Kitchener, open Monday to Saturday, 9 a.m. to 9 p.m. You can also get quotes online or call 1-855-500-5041.
Yes. We help families across Ontario, including Waterloo, Cambridge, Guelph, Brantford, Brampton, Mississauga and Toronto.
Many insurers allow couple coverage, sometimes with a lower combined price. Each parent still needs coverage that meets IRCC rules.
Compare Super Visa insurance quotes from 20+ Canadian insurers on our Super Visa insurance page, see visitor insurance for shorter visits, or visit Life Advice Insurance Inc. at 912 Isaiah Pl, Kitchener. Call 1-855-500-5041. Help in English, Hindi and Punjabi.