Sensible Insurance & Financial Services
778-552-0077 Request Quote
Insurance Council of BC · Licensed in BC, Alberta, Manitoba & Ontario

Sensible cover
for the parents
you're bringing home.

Sensible Insurance & Financial Services Ltd. helps families protect what matters and grow what they've built, with products from trusted Canadian insurance companies. From Super Visa medical cover for visiting parents to life, illness, disability and tax-smart savings, we lay out the options side by side and explain them plainly.

✓ 100% Refund if Visa Refused
✓ Direct Hospital Billing
✓ Pre-existing Conditions Covered
✓ Zero Advisor Fees
Call 778-552-0077 Calculate Rates
Official IRCC Rates

Super Visa Quote Estimator

Instant estimate. No signup required.

100% Refund Guarantee
Applicant Age 62 years old

Coverage Amount (IRCC Mandates $100K+)

Deductible

Pre-Existing Conditions (Stable 90-180 Days)

Compare Underwriters

RIMI (Secure Travel) · 365 Days
$1,600 CAD CAD / yr ($4.38 / day)
Request Quote: 778-552-0077
% How accurate is this estimate? (~98% calibrated to RIMI Insurance rates)

Rates are calibrated to RIMI Insurance (Industrial Alliance) with comparisons across TuGo, Destination Canada, 21st Century, Allianz & Manulife. For example, age 62 with pre-existing conditions and $0 deductible calculates to $1,600/year.

Please note: Quotations provided are estimates and subject to change based on final underwriter approval and medical questionnaires.

Super Visa Insurance Life Insurance Critical Illness Disability Insurance Segregated Funds (All Accounts) Visitors to Canada

Canadian Healthcare Reality Check

The Financial Risk of Visiting Canada Without Coverage

In British Columbia and across Canada, non-residents (including visiting parents) are billed full private rates at hospitals. A single medical emergency can easily exhaust a family's life savings.

Without Insurance (Uninsured)
$34,500 CAD
ICU Bed Fee ($10,500/night × 2 nights)+$21,000
Ward Inpatient Bed ($4,200/night × 2 nights)+$8,400
Cardiologist Consult & Diagnostics+$3,200
Emergency Department Triage+$1,900
With a comprehensive insurance policy
$0 CAD

Eligible hospital and physician costs are 100% direct-billed to your insurance provider. Under ~$5/day protects your family from six-figure bills.

Call Shivraj Ghuman: 778-552-0077

Comprehensive Canadian Coverage

Protection & Wealth for Your Family

From Super Visa medical cover for visiting parents to life, critical illness, disability, and tax-smart segregated funds, we lay out the options side by side and explain them plainly.

01 / 06

Super Visa Insurance

Government of Canada (IRCC) compliant emergency medical insurance. Valid for 365 days with minimum $100,000 coverage, hospital stay, prescription medicine, and full repatriation guarantee.

  • Refund available if the visa is refused (100% guarantee)
  • Coverage options from $100,000 to $300,000
  • Pre-existing condition coverage options
  • Compare RIMI, TuGo, Manulife, Destination Canada and Allianz side by side
From $1.95 / day
Explore Details Calculate exact quote
Super Visa Family Reunion
02 / 06

Visitors to Canada Insurance

Emergency medical protection for tourists, friends, work permit holders, and new immigrants awaiting provincial health cards.

  • Flexible coverage from $10,000 up to $300,000
  • Durations from 5 days up to 1 full year
  • Emergency hospitalization, ambulance, and physician fees
  • Side trips to the USA and other countries included
From $1.95 / day
Explore Details Get exact quote
Visitors to Canada travel landscape
03 / 06

Life Insurance

Sensible Insurance compares Term Life (10, 20, 30 years), Whole Life, and Universal Life policies across Canada’s premier underwriters (Manulife, Sun Life, Canada Life, Empire Life, Equitable Life).

  • Term Life for mortgages and young families
  • Whole Life for lifelong protection & wealth transfer
  • Participating Life for estate planning and dividend accumulation
  • Income replacement made affordable
From $18 / month
Explore Details Get exact quote
Life Insurance Advisor Consultation
04 / 06

Critical Illness Insurance

Focus on recovery without stressing over mortgage payments, experimental treatments, or income loss. The tax-free lump sum is paid directly to you to spend however you and your family see fit.

  • Covers 25 to 40 critical conditions & illnesses (cancer, heart attack, stroke, bypass, MS, Parkinson’s, paralysis)
  • Tax-free lump sum payment 30 days after diagnosis
  • Return-of-premium options: get 100% of your money back if you stay healthy
  • Child critical illness and partial coverage rider options
From $24 / month
Explore Details Get exact quote
Critical Illness Medical Care
05 / 06

Disability Insurance

If illness or injury prevents you from working, disability insurance provides monthly tax-free paycheck replacements to cover living expenses, groceries, utilities, and mortgage payments.

  • Monthly income if you can’t work (replaces up to 60-70% of pay)
  • Own-occupation coverage for professionals
  • Protects your biggest asset: your paycheque
  • Options for self-employed contractors & small business owners
From $32 / month
Explore Details Get exact quote
Disability Income Protection
06 / 06

Segregated Funds (All Registered & Non-Registered Accounts)

Unlike standard bank mutual funds, segregated funds are individual Canadian insurance investment contracts that combine market growth potential with 75% to 100% principal guarantees, direct probate bypass, privacy, and potential creditor protection. Available for all registered accounts (TFSA, RRSP, FHSA, RRIF, LIRA, LIF, RESP, RDSP) as well as Non-Registered and Corporate holding accounts.

  • Comprehensive accounts: TFSA, RRSP, FHSA, RRIF, LIRA, LIF, Non-Reg & Corporate
  • 75% to 100% principal guarantees upon maturity and death
  • Estate bypass of provincial probate fees and privacy for heirs
  • Potential creditor protection for business owners & contractors
From $50 / month contribution
Explore Details Schedule Advisory
Segregated Funds Wealth & Growth
Carriers We Shop & Compare:
RIMI / iA Financial Manulife TuGo Allianz RBC Insurance Equitable Life Desjardins CPP Canada Life Sun Life 21st Century Destination Canada
Call Shivraj Ghuman: 778-552-0077 →

Simple & Painless Process

How Sensible Insurance Works

01

Tell us what you're protecting

A short call about who depends on you and what level of coverage you require.

02

We bring you real options

Side-by-side prices from trusted Canadian insurers, with what's included and what isn't.

03

We handle the application

Medical questionnaires and paperwork. You sign once and receive official certificates.

04

We stay your contact

Renewals, date adjustments and claims come back to Shivraj Ghuman, not a call center.

Speak Directly with Shivraj Ghuman

Direct Phone & WhatsApp: 778-552-0077 · Email: shivrajghuman@gmail.com