What is Visitor Visa

A Visitor Visa (also known as a Temporary Resident Visa or TRV in Canada) is an official document issued by a country's immigration authorities and placed in your passport. It shows that you meet the requirements to enter that country as a temporary visitor for tourism, business, or visiting family and friends

What is Visitor Insurance

Visitor insurance (also known as travel medical insurance for visitors) is a private health insurance policy designed to protect people traveling outside their home country from high, unexpected medical costs. Because public healthcare systems (like Canada's provincial health plans) generally do not cover non-residents, foreign tourists or visiting relatives are entirely responsible for their own medical bills if they get sick or injured.

What It Usually Excludes

Routine Healthcare

Regular check-ups, vaccinations, and non-emergency eye or dental care.

Pre-Existing Conditions

Chronic conditions you had before traveling (like diabetes or high blood pressure) are often excluded unless you specifically purchase a rider for "stable pre-existing conditions"

Non-Emergency Care

Elective cosmetic surgeries or treatments that can wait until you return home.

What It Cover

A standard policy typically focuses on new, unexpected medical emergencies and includes
Hospitalization & ER Visits: Covers room costs, surgeries, and nursing fees
Doctor & Specialist Visits: Fees for emergency medical examinations.
Diagnostics: Essential X-rays, laboratory tests, and scans.
Prescription Drugs: Medication prescribed for acute emergency treatment.
Ambulance Services: Ground or air transportation to the nearest hospital.
Emergency Dental: Fast pain relief or treatment for accidental blows to the mouth.
Medical Evacuation: : Transporting the patient back to their home country for ongoing care if medically necessary.

Benefits

100% refund if visa denied

Get Upto 45% discount in deductibles

Monthly or Yearly plans available

Partial refund if client leaves early

As a broker we deal with best companies that provide Super Visa insurance with best claim ratio. Don’t forget to ask for discounts currently available.

Discounts Currently Available

Welcome to Canada Discount

Couple Discount 5% off

Age discount (Age 59 and under)

Free $25000 amount for Accidental Claims

Upto 45% discount via deductible

What are the Coverages

Emergency Medical Benefits

Hospitalization.
Diagnostics: Laboratory tests and X-rays.
Medical Equipment: Crutches, wheelchairs
Emergency Return Home.
Emergency Dental.
Prescription Medications.
Professional Services: Physician, surgeon, and in-hospital nurse.
Ambulance: Local ground, air, or sea ambulance services.

Premier Plan

Pre-Existing Conditions: Like BP, Diabetes etc
Accidental Death & Dismemberment

Other Benefits

100% Refund if Visa denied
Partial Refund if returned early
Monthly payment option
$100 000 accidental death and dismemberment
Lock Rates for 2 years
Coverage Upto 1 million dollors

About us

At Harsharan Financial Services, we believe insurance is about protecting the moments, people, and dreams that matter most. We help individuals, families, newcomers, visitors, and students across Canada make confident financial decisions with personalised insurance solutions and trusted advice.