For Indian families in Canada, welcoming parents and grandparents is a moment filled with love. But when it comes to insurance, many families unknowingly make mistakes that can lead to financial stress.

Here are the top 5 mistakes families make when buying Visitors to Canada Insuranceand how you can avoid them.

Mistake 1: Choosing the Wrong Insurance Type

• Visitors Insurance and Super Visa Insurance are not the same.

• A Super Visa requires $100,000 coverage for at least 1 year standard visitor policies may not qualify.

Mistake 2: Picking the Wrong Start Date

• Many families set the start date at visa approval.

• But coverage should start on the day parents land in Canada, to avoid gaps.

Mistake 3: Ignoring Pre-Existing Conditions

• Families often overlook the insurer’s definition of a “stable condition.”

• This can lead to denied claims later. Always check stability requirements.

Mistake 4: Buying Only the Cheapest Plan

• Cheapest isn’t always best.

• Low-cost plans may come with high deductibles, exclusions, or limited coverage.

Mistake 5: Not Comparing Providers

• Every insurer has different rules, exclusions, and refund policies.

• Comparing plans saves money and ensures the right fit for your family’s needs.

Final Thoughts

Insurance is about more than just meeting requirements it’s about protecting the people you love. By avoiding these mistakes, families can make smarter choices and ensure peace of mind while welcoming their parents to Canada.

Disclaimer: Mistakes vary by situation. Coverage, deductibles, and exclusions depend on the provider. Always review the official policy wording before buying.