Windsor is the one Canadian city where a quick trip to the United States is part of everyday life. That makes the side-trip rules in your parents' Super Visa policy more important here than almost anywhere else.
What your parents need for the Super Visa
The insurance rules are the same in Windsor as everywhere else in Canada, because IRCC sets them. The policy must:
- give at least $100,000 of emergency coverage for each parent
- cover health care, hospitalization and repatriation
- run for at least one year from the day they enter Canada
- come from a Canadian or OSFI-authorized insurer, and be paid, in full or monthly with a deposit
Visiting parents aren't covered by OHIP, Ontario's public health plan, so without insurance they'd pay hospital bills themselves. Full details are in the requirements guide.
Working with Pankaj from Windsor
Pankaj is based in Ontario and licensed in Ontario. Families in Windsor deal with him by phone, WhatsApp and email. Quotes, policies and receipts all arrive electronically, ready to upload with the visa application.
Hospitals with emergency departments in Windsor
- Windsor Regional Hospital, Met Campus
- Windsor Regional Hospital, Ouellette Campus
In an emergency, call 911 first. Then, as soon as you can, call the 24-hour assistance number on your parent's policy. The insurer can often pay the hospital directly, and some plans require you to call within a set time.
Arriving in Windsor
Most visiting parents arrive through Windsor (YQG), Toronto Pearson (YYZ), or Detroit Metro (DTW). Coverage must start on the date they first land in Canada.
Local tip: If your parents might pop over to Detroit, check the policy's side-trip rules before they go. Many plans cover short trips outside Canada, but limits apply, and U.S. medical costs are far higher than Canadian ones. If parents arrive through Detroit, the policy must start on the day they enter Canada.
Paying monthly
A year of cover for an older parent can cost thousands. Monthly plans spread it out, and IRCC accepts them. Setup fees run from $50 to $120 depending on the insurer. Use the fee calculator to compare, or get prices in the quote tool above.
Common questions
Is Super Visa insurance cheaper in Windsor than in other cities?
The price is set mainly by your parent's age, health, coverage amount and deductible, not by the city you live in. The best way to save is to compare insurers and choose a sensible deductible.
Can my parents visit relatives in other provinces?
Yes. Super Visa insurance covers them anywhere in Canada for the policy period, not just in Windsor.
Is Pankaj licensed in Ontario?
Yes. Pankaj Bhatia is licensed in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, New Brunswick and Nova Scotia.