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Health & Travel

No one ever plans to need medical care while away; but if you do experience misadventures on your trip, Emergency Medical Insurance covers hospital and doctors’ fees, prescriptions, emergency transportation and more. If you’re heading to cross-border shopping or visiting family or friends in another province or country—your full provincial healthcare plan won’t go with you. That means, if you experience a medical emergency away from home, you’ll be left to arrange for care and pay for it too..

Critical Illness Insurance

Critical illness refers to those illnesses, such as cancer, stroke ,bypass surgery and heart disease. Most of the critical illness policies cover major 25 critical illness conditions.To recover from these illnesses requires significant resources, and puts a lot of strain financially and emotionally on your family.

Come in and let us chart out what you would need to pay if you developed a critical illness. Let us put in place a plan of action with critical illness insurance. This will protect you against any of these kinds of illnesses for the duration of time that you may become ill, and give you a lump-sum cash payment afterward.

This is better than a reimbursable health insurance benefit as to how you spend this money is your decision.

Let us examine your family’s health history and take a look at your current situation and determine:
- What range of illnesses your insurance will cover?
- The dollar value of your coverage.
- Who will benefit along with your, whether spouse and/or child and to what dollar value?
- The level of premium that will ensure that you get adequate long-term coverage.

Guard yourself against the negative effects of disability to cope with a critical illness to chance. Ensure that your personal business is covered at all ends.

Disability Insurance

God forbid you to become disabled. If this happens, depending on what you do for a living, you may experience loss of income. This will have a negative effect on you and your family. Consider how you and your family will survive with no income or reduced income. Hence, protect yourself with disability insurance.

Disability can result from a myriad of factors, most commonly physical or mental health issue caused by injury or illness. This may last for any length of time, so again it is best to protect yourself and your loved ones with disability insurance.

You can choose from two main kinds of disability insurance.
- If you are employed, you can get coverage under a group insurance plan.
- If you are a public servant there are government plans, for example, workers’ compensation and benefits provided under the Canada Pension Plan.
Or, you may opt for an individual insurance plan.

Whichever you decide, and nothing is wrong with having both, leave nothing to chance. My job is to ensure that you are well covered against any eventuality. The aim is not for something to happen, but in the event that it does, copying should be a breeze.

Health & Dental Insurance

Health & Dental Insurance is also known as Personal Health Insurance. This kind of insurance reduces your level of expenses for preventive care, or medical bills resulting from an illness or accident.

If you are employed, your employer will provide you with this kind of coverage. However, bear in mind that it will never be enough. The coverage provided to you will not cover certain things. If something happens, you may be forced to upfront expenses for certain kinds of medical examinations, prescriptions, aftercare and equipment.

If you are not directly employed, it is advisable that you take out a plan to cover yourself and your family.

In addition, anything can happen anywhere. You may fall ill, or be injured while traveling, and depending on where you are, you may not be able to access certain kinds of health care facilities and their services without medical insurance.

Again, leave nothing to chance. Cover all your bases. If you are already on your employer’s health plan, get additional coverage. You never can tell when your employer’s health plan may cease.

Come and let my agency assess your situation and determine what coverage you need. We will take it from there.

Super Visa Insurance

If you are planning to invite your parents or grandparents to Canada on super visa, the most important and mandatory requirement is to purchase health insurance from a Canadian insurance company. Such medical insurance has to be purchased for minimum one year.

With super visa your parents or grandparents visit to Canada for up to 2 years at a time. It’s a multi-entry visa that provides multiple entries for a period up to 10 years.

Super visa insurance provides coverage for issues such as emergency medical hospitalization, dental care, repatriation of remains, cremation cost, prescription medication and emergency return home.

CIC has specified a few requirements with respect to medical insurance of the applicants who want to have Super Visa. Applicants are required to submit proof of a private medical insurance policy. This should be:
- The minimum coverage should be $100,000.
- The policy validity should be for period of 1 year from the date of entry to Canada.
- Should cover hospitalization, repatriation and healthcare.
- Must be issued from an Insurance company of Canada.
- Valid for each entry to Canada.
- Available for review by the port entry officer.
- Guaranteed 100% Refund of Premium, if visa denied.
- In case if you decide to extend your stay for more than one year you need to purchase a new policy.
- Purchasing a medical insurance has many advantages. Applicants should purchase medical insurance as a proof before submitting their Super Visa application.

Visitor Insurance

If you are planning to visit to Canada or you are already in Canada as a visitor, foreign workers and new immigrants to Canada, we are here to help to provide for your emergency medical needs while in the country. While you’re staying in Canada, let us take care of your emergency medical needs. We’re happy to provide immigrants and visitors to Canada, and those looking for Super Visa insurance, with emergency medical coverage that includes:

Emergency Medical Expenses A physician orders or prescribes the following as medically necessary for the diagnosis or Treatment of your emergency sickness or injury.

Emergency Return Home if You have a medical Emergency, the Company, in consultation with it's medical advisors, the Emergency Assistance Provider and the local attending Physician, may determine that You should be transported back to Your Home Country for continued Treatment. The Company will then arrange to transport You there with proper medical supervision if needed and the Company will pay up to the maximum benefit amount.

Repatriation: in the event of Your death during Your Period of Coverage, the Company will reimburse the reasonable costs actually incurred for the preparation and repatriation of Your body or ashes to Your Home Country. Expenses maximum amount limit will be according to Plan. We will explain you benefits limit before you buy the policy. Different Companied have different benefit limit.

Hospital Stay Allowance: If You are required to stay in a Hospital for Treatment of an Emergency Sickness or Injury as an in-patient while on Your Covered Trip. Plan Covers hospital room and board charges, up to semi-private, unless specified by a physician (if medically necessary, charges for intensive and coronary care units are included)

Out-of-Pocket Expenses Covers the cost of accommodations, meals, phone calls and taxi or bus fares incurred by an accompanying family member in the event hospitalization continues after the policy expiry date

In-Hospital Prescription Drugs Covers the cost of prescription drugs and medication prescribed by a physician (to a maximum of a 30 day prescription)

Hospital Stay Allowance: If You are required to stay in a Hospital for Treatment of an Emergency Sickness or Injury as an in-patient while on Your Covered Trip.

Travel Insurance

Get help covering unexpected medical expenses when you travel. Whether you’re travelling for business or pleasure, unexpected trip and health problems can occur. Protect your trip and keep disruptions to a minimum with travel insurance for travelling Canadians simple, affordable coverage for emergency medical expenses, baggage loss, trip cancellations and more.

Single-trip or multi-trip coverage that can help cover emergency medical expenses. You can choose family plan or individual plan. If you travel abroad for regular basis multi trip policy is the best option.
You can get coverage for COVID-19 related emergency medical conditions.

Emergency Medical Plan cover
- Physician services
- Ambulance transportation
- Hospitalization
- Prescription drugs and more

You can add additional benefits with your travel medical Insurance (All-inclusive plans)
- Emergency Medical coverage
- Trip Cancellation & Interruption coverage
- Baggage loss/damage/delays
- Flight and travel accident

Success Story

See What our Clients say?

More than a decade we are helping our clients for choosing right insurance plan for their needs and we can proudly say that our clients are more than happy by services that we are providing them. We have 5 star rating over google and here are few clients feedback.

Great place to get insurance. Rajwinder Kaur offers exceptional customer service and best rates in town. She explains all the requirements of the insurance. I highly recommend Rajwinder’s services every time for all your insurance needs.

I am getting insurance services from Rajwinder from seven years, she provided me very good advice for insurance. I got my children RESP from her and my life Insurance. She helped me to file claim for my mother and I got claim on time.

I had taken insurance for a family member. Not only did Rajwinder Ji give me the right advise on selection of the insurance company, she did a wonderful job in guiding and assisting me in submission of a claim, guiding me through every step and also following-up on her own on my status of collecting the required documents from the Doctor's office & health authorities. She eventually reviewed the completeness of my claim and thanks to her efforts, it was processed successfully. Great customer service from an expert. Thanks Rajwinder Ji!


Insurance Advisor
Rajwinder Kaur

8128 128 Street
Surrey, BC, V3W 1R1

Contact details

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+1 (604) 603-1303

Available 08:30am - 09:00pm (Mon - Fri)

08:30am - 07:30pm (Saturday)

09:30am - 07:30pm (Sunday)