BRAMPTON, ON
Super Visa Insurance in Brampton
IRCC-compliant medical insurance for parents and grandparents visiting family in Brampton and Peel Region. We help you compare Canadian insurers and get proof of insurance ready before you apply.
The short version
Your parents need private medical insurance from a Canadian insurer, with at least $100,000 of emergency cover, valid for one year or more from the day they arrive.
Have proof ready first
The application needs proof of a paid policy. Paying in full works, and so does an instalment plan with a deposit. A price quote on its own will not be accepted.
Refused? Ask about refunds
Each insurer has its own rules for refunds when a super visa is refused. We check those rules for you and share them in writing before you pay.
SERVING ONTARIO
Serving Brampton families from Surrey
Think Insurance is based at 12885 80 Avenue, Suite 204 in Surrey, BC, and we are licensed in British Columbia, Alberta and Ontario. Brampton families can handle the whole process with us by phone and email. Call an advisor on 604-828-7213.
Common questions
Does OHIP cover my parents while they visit Brampton?
No. The Government of Ontario says visitors are not eligible for OHIP coverage. That is why private super visa insurance matters for the whole stay, not only for the application.
What happens if my parents go home early?
If they leave Canada early and have not made a claim, many insurers refund the unused part of the premium, sometimes minus a small fee. We tell you each insurer’s rule before you buy.
If they need care in Brampton
Hospital care in Brampton is run by William Osler Health System. Brampton Civic Hospital is on Bovaird Drive East, and Peel Memorial Centre on Lynch Street has an urgent care centre for problems that are urgent but not life-threatening. Visitors are not covered by OHIP, so when you can, call the insurer’s 24/7 assistance line first. They can guide your parents to the right care and explain how billing works under the policy.
The IRCC checklist for Ontario families
Before you pay for a policy, check it against these four points. IRCC applies them to every super visa application, whether your parents land at Toronto Pearson or anywhere else.
Who can issue it
Only an insurance company can issue the policy, not a broker or a claims administrator. It has to be a Canadian company, or a foreign company on OSFI’s list of federally regulated institutions that wrote the policy while doing business in Canada.
How long it lasts
IRCC asks for a policy valid for a minimum of one year from the date your parents enter Canada. Carry proof on every entry, and renew before it runs out if they are still here.
What it must pay for
Emergency coverage of at least $100,000 that pays for health care, hospital stays and repatriation home if needed.
How it is paid
Paid in full, or paid by instalments after a deposit. Keep the receipt with the policy so it is ready if an officer asks.
Choosing a plan
Is a plan with a deductible a good idea?
It can be. A deductible is the part of each claim your family pays first. A higher deductible usually lowers the premium, so pick an amount you could pay on short notice.
My father takes blood pressure medicine. Is he covered?
It depends on the plan’s stability rules. Insurers check whether a condition and its medicine have stayed the same for a set period before the start date. Tell us about any recent medicine change, because it can affect coverage.
Can we pay month by month?
Some insurers offer monthly payments on annual super visa plans. IRCC accepts instalments once a deposit is paid, so this can work for the application. Ask us which insurers allow it.
Not sure what fits? Ask a broker.
Tell us what you are protecting and we will come back with real options, usually the same day.