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Super Visa / Visitor Visa Insurance

SGA Wealth provides IRCC-compliant Super Visa and Visitor Visa insurance solutions designed to protect parents and grandparents visiting Canada. Our structured approach ensures reliable medical coverage, support with claims, and alignment with broader family financial planning objectives.

Super Visa / Visitor Visa Insurance
SERVICES

Understanding Super Visa and Visitor Visa Insurance

Canada offers two primary visitor options for parents and grandparents:

  • Visitor Visa: permits temporary stays, typically up to six months per entry.
  • Super Visa: allows multiple entries, with stays of up to five years per visit and validity up to 10 years, subject to passport limits.

Visitor insurance protects against emergency medical expenses, hospitalization, repatriation, and evacuation, which are not covered under provincial health plans for non-residents. Applicants without coverage face significant financial exposure, particularly in the event of unforeseen medical events or pre-existing conditions.

Super Visa applicants must meet financial requirements and maintain mandatory private medical insurance that complies with IRCC standards. SGA Wealth offers solutions tailored to medical histories, visit duration, and family financial structures, ensuring compliance, security, and peace of mind.

Our Solutions

Our Super Visa / Visitor Visa Insurance Services

Customized Coverage Assessment

Customized Coverage Assessment

We review medical histories, age, visit duration, and risk factors to recommend appropriate coverage limits, deductibles, and optional enhancements. Policies meet IRCC requirements while minimizing out-of-pocket expenses.

Pre-Existing Condition Management

Pre-Existing Condition Management

Our team evaluates underwriting rules for pre-existing conditions, helping clients secure coverage with appropriate stability periods. Exclusions are transparent, and premiums remain fair.

Multi-Year and Renewable Solutions

Multi-Year and Renewable Solutions

We design renewable Super Visa policies with premium stability, renewal guarantees, and adjustments for aging clients. This ensures uninterrupted protection for long-term visits.

Claims Coordination and Policy Administration

Claims Coordination and Policy Administration

SGA Wealth assists families through claims, documentation review, insurer coordination, and benefits verification, promoting timely and smooth resolution.

Compliance and Risk Review

Compliance and Risk Review

Policies are checked for IRCC compliance and coordinated with immigration advisors. Risks, including medical emergencies, travel incidents, and repatriation contingencies, are evaluated to safeguard families.

FEATURE

SGA Wealth: Integrated Super Visa and Visitor Visa Insurance

SGA Wealth delivers structured insurance planning through an integrated advisory approach, combining financial planning, insurance expertise, and regulatory oversight. Our team includes Canadian CPAs, licensed insurance advisors (LLQP), and legal specialists, ensuring coverage aligns with immigration requirements, family finances, and estate planning goals.

We maintain partnerships with leading Canadian insurers recognized for Super Visa and Visitor Visa coverage, including:

  • Manulife – strong claims support, hospital-recognized, flexible deductibles, early return refund options.
  • Sun Life – consistent claim handling, hospital acceptance, clear policy wording.
  • Allianz Global Assistance – 24/7 multilingual assistance, rapid emergency response, global expertise.
  • TuGo – broker-friendly, competitive pricing, easy policy issuance, reliable claim approvals.

Note: Canadian insurers do not publish official Super Visa claim ratios. Advisors evaluate claim reliability, direct hospital billing, and pre-existing condition handling.

 

Factors Families Consider When Choosing Super Visa Insurance

 

  • IRCC Compliance – minimum $100,000 coverage, one-year term, clear Super Visa eligibility.
  • Pre-Existing Conditions – coverage depends on stability periods and transparent exclusions.
  • Claim Reliability – direct hospital payments, efficient claim processing, minimal technical denials.
  • Emergency Assistance – 24/7 support, hospital recognition, professional case management.
  • Premium and Deductible Options – balance cost with coverage adequacy.
  • Refund and Cancellation – protection for visa refusal or early return.
  • Policy Simplicity – clear wording and limited exclusions for easy understanding.
  • Age and Underwriting – acceptance rules for seniors, medical questionnaire requirements.
  • Advisor Guidance – trusted recommendations, experience, and past client outcomes.

Families prioritize compliance, coverage quality, and reliable emergency support over cost alone.

SGA Wealth provides integrated advisory services combining insurance, financial planning, and immigration compliance. Our licensed insurance advisors (LLQP), CPAs, and legal professionals ensure coverage aligns with medical profiles, visit duration, and family financial structures. We focus on delivering:

Through this unified approach, SGA Wealth safeguards visiting relatives while preserving the family’s broader financial framework.

  • Reliable coverage for parents and grandparents visiting Canada
  • Peace of mind through claims support and administration
  • IRCC-compliant policies that meet immigration requirements
  • Coordination with long-term financial and estate planning strategies

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Our Experts
Sumit Garg, CPA, CA, LPA (Canada), CPA (USA), CA (India), JD (Canada), LLB

Sumit Garg, CPA, CA, LPA (Canada), CPA (USA), CA (India), JD (Canada), LLB

Founder & President, SGA Globe Inc.

Legal and financial professional specializing in corporate law, tax planning, estate structuring, and mergers & acquisitions. Provides strategic multi-jurisdictional legal and tax advisory across Canada, the U.S., and India.

Sristy Garg, M.Com, LLQP, RIBO

Sristy Garg, M.Com, LLQP, RIBO

Wealth Advisor, SGA Globe Inc.

Specializes in corporate insurance, estate planning, and wealth strategies for high-net-worth clients. Combines financial advisory expertise with legal support experience to deliver integrated financial and risk management solutions.                                                                                                                                                                                    

CA. Harsh Mittal, B.Com, M.Com, ACA, CPA (US)

CA. Harsh Mittal, B.Com, M.Com, ACA, CPA (US)

Accounting & Tax Advisor

Dual-qualified CPA (USA) and Chartered Accountant (India) with expertise in U.S. and Canadian accounting, auditing, financial reporting, and taxation for multinational and cross-border business entities.                                                                                                                       

CA. Shubham Goyal, B.Com, M.Com, FCA

CA. Shubham Goyal, B.Com, M.Com, FCA

Chartered Accountant

Finance and taxation professional with 10+ years of experience in auditing, tax planning, and regulatory compliance. Experienced in Indian, U.S., and Canadian accounting and taxation advisory.                                                                                                                                                               

Nishant Manchanda, B.Com., LL.B.

Nishant Manchanda, B.Com., LL.B.

Advocate & Accounts Manager

Experienced in accounting, taxation, and compliance, specializing in Canadian corporate and individual tax. Supports businesses with filings, GST/HST, and regulatory correspondence.                                                                                                                                                                               

Sachchida Nand Sharma, MBA, M.Com., B.Com.

Sachchida Nand Sharma, MBA, M.Com., B.Com.

Manager – Accounts

Accounting and taxation professional with 9+ years’ experience in financial reporting, compliance, and payroll management across Indian and international operations.                                                                                                                                                                                                                              

Monika Garg, BA, PGDM

Monika Garg, BA, PGDM

Accounts & Bookkeeping Specialist

Skilled in managing international financial records and reconciliations, ensuring accuracy and compliance. Combines strong communication and analytical skills with hands-on accounting expertise.                                                                                                                                                                                         

Krishan Kumar Pal, B.Com

Krishan Kumar Pal, B.Com

Senior Accounting & Tax Specialist

Accounting professional with 15+ years’ experience in bookkeeping, year-end finalization, and Canadian tax compliance. Expert in GST/HST, CRA correspondence, and multiple accounting software platforms.                                                                                                                                                                                  

Why Choose SGA Wealth for Corporate Reorganizations?

1
Integrated Expertise

Our services combine tax, legal, and estate planning solutions all in one place.

2
Canadian Certified Professionals

Our team includes local Canadian CPA, CAs, and lawyers, Insurance advisors (LLQP) from SGA CPA Professional Corporation, Spear & Shield Law Professional Corporation, and SGA Globe Inc., respectively, to provide holistic advice on estate planning to our clients.

3
Prestigious Memberships

Our team is part of national organizations like the Canadian Tax Foundation (CTF), Society of Trust and Estate Practitioners Canada (STEP Canada), Estate Planning Council of Canada, Chartered Professional Accountants of Canada (CPA Canada), Conference for Advanced Life Underwriting (CALU), Financial Services Regulatory Authority of Ontario (FSRA), PPI, Law Society of Ontario (LSO), and the Canadian Bar Association.

4
Decades of Experience

Our professionals bring over 15 years of experience in tax, insurance, and law.

5
Advanced Qualifications

Our experienced team has completed advanced tax courses, including the CPA Canada In-Depth Tax Course and the Trust and Estate Practitioner course, to provide in-depth tax and insurance advice to our clients.

6
Continuous Learning

We attend workshops and seminars from bodies like CPA Canada, Society of Trust and Estate Practitioners (STEP) Canada, Conference for Advanced Life Underwriting (CALU), Sunlife Insurance, Canada life, Manulife Insurance, Industrial Alliance, Desjardins Insurance, RBC Wealth, Scotia Wealth, TD Wealth, Canadian Tax Foundation (CTF), The Advocate Society (TAS), Toronto Lawyer Association (TLA), Law Society of Ontario (LSO), Estate Planning Council of Canada, and Mississauga (EPCM).

7
U.S. Tax Expertise

We have in-house U.S. CPAs registered with the US CPA local state and board, along with AICPA, providing cross-border tax advice and have extensive experience dealing with the IRS, long-time serving our clients.

8
Unified Approach

Our professionals collaborate to provide comprehensive advice, eliminating the need for multiple experts.

Strategic Alliances & Industry Memberships

Proudly align with Canada’s leading tax professionals, legal advisors, and business associations to ensure that our clients benefit from the highest standards of expertise, compliance, and value.