Your Local Office in Cambridge
Our Cambridge office on Hespeler Road is a short drive from Kitchener. Come in to go through the medical questions, drop off documents, or pick up the policy for the IRCC application. Please book first by phone or WhatsApp.
Insure In Canada Inc. – Cambridge
206-460 Hespeler Road, Cambridge, ON N1R 0E3
Cell and WhatsApp: 647-640-2222
Office: 905-624-2244
Email: pankaj@insureincanada.ca
Kitchener and nearby areas we help
- Downtown Kitchener
- Doon
- Pioneer Park
- Huron Park
- Laurentian Hills
- Forest Heights
- Stanley Park
- Chicopee
- Williamsburg
- Country Hills
- Victoria Hills
- Lackner Woods
Licensed in Ontario, BC, Alberta, Manitoba, Saskatchewan, New Brunswick and Nova Scotia.
Kitchener Hospitals Have New Names
Grand River Hospital and St. Mary's General merged into Waterloo Regional Health Network (WRHN) on April 1, 2025. If your parents need an ER, these are the names you'll see now.
Sources: Grand River Hospital: Merger approval announcement · WRHN: Getting here · WRHN: During your stay · WRHN: Bills and insurance
Waterloo Region Hospital Costs for Visitors
WRHN doesn't publish its daily rates, but nearby Cambridge Memorial Hospital does. These are its 2026–27 rates for non-residents of Canada.
| Hospital | ER visit | Ward / day | ICU / day |
|---|---|---|---|
| Cambridge Memorial Hospital (non-resident of Canada, 2026–27) | $850.00 | $3,750.00 | $5,750.00 |
Hospital charges only. Tests are extra (CT $2,850 per view, X-ray $150 per view, lab $150) and doctors bill separately.
Pearson or Waterloo Airport?
Parents from overseas land at Pearson, about 45 minutes from Waterloo Region. Many families don't know they can be ticketed right through to Waterloo.
Ticket through to YKF
On Air Canada, the Landline coach links Pearson and Region of Waterloo International Airport (YKF) in about 65 to 80 minutes, with bags checked through.
An airport built for older travellers
YKF is one of four Canadian airports with Rick Hansen Foundation Gold accessibility certification.
GO train option
GO trains run from Union Station to Kitchener GO Station.
Coverage from Pearson
The policy must start the day your parent lands at Pearson, not the day they reach Kitchener.
Sources: Explore Waterloo Region: Getting here · YKF: Another strong year (March 2026) · Air Canada: Landline
Waterloo Region's Newcomer Families
India is the largest source of recent immigrants to Kitchener-Cambridge-Waterloo.
South Asian, Black and Arab residents are the largest groups among the region's recent immigrants, and English, Arabic and Punjabi are their most common first languages. Talk to us in Punjabi, Hindi or Urdu if that's easier for your parents.
Talk to Pankaj in your language
English, Hindi, Punjabi or Urdu. Tap a button to start a WhatsApp message in that language.
Sources: City of Kitchener: About Kitchener (2021 Census) · CTV Kitchener: 3 in 10 Waterloo Region residents born outside Canada · Region of Waterloo: 2024 immigration profile
Super Visa Documents: Are You Ready?
Tick each item as you collect it. Your ticks are saved on this device.
0 of 8 ready
Based on IRCC's Super Visa document list; IRCC can ask for more. IRCC forms and documents · Full checklist and income checker.
Everyday Kitchener for Visiting Parents
From July 1, 2026 to January 5, 2027, riders 65+ get one free day of unlimited GRT and ION rides a week through the GRT Pay app, after age verification. GRT has no permanent seniors' discount.
ION runs 19 stops from Conestoga in Waterloo to Fairway in Kitchener.
The region's Know Your Care Options site lists Kitchener walk-ins such as Benton Medical Centre and the Laurentian and Tannery clinics. Call ahead; visitors pay at the clinic.
Market Square, 25 Frederick St. Biometrics for an extension are by appointment only.
Sources: GRT: Older adult day pass pilot · Know Your Care Options · City of Cambridge: Federal services
What Super Visa Insurance Costs
13 plans from our live quote engine on October 17, 2026: age 66, $100,000 of coverage, $0 deductible, no pre-existing condition coverage.
What Families Say
★★★★★“When it comes to life insurance and parents' Super Visa insurance, I always rely on Pankaj Bhatia. I have been his client for several years and I recommend him to everyone. I have done my parents and in-laws, and I have always got the best support, technically and financially.”
★★★★★“I am satisfied with service offered by Pankaj Bhatia and his guidance. Thank you for excellent rates and great service. My mom and dad will be coming again soon, and I will be calling you again for the Super Visa insurance quote.”
★★★★★“Mr. Pankaj Bhatia is very professional, knowledgeable and responsive. He helped me get the best Super Visa insurance, and his after-purchase service is amazing.”
Super Visa Insurance Kitchener: FAQs
Do you have an office near Kitchener?
Yes. Our Cambridge office at 206-460 Hespeler Road is a short drive away. Please book a visit by phone or WhatsApp first.
Is it still Grand River Hospital or St. Mary's?
Both are now Waterloo Regional Health Network (WRHN), since April 1, 2025. WRHN @ Midtown is the old Grand River KW campus and WRHN @ Queen's Blvd. is the old St. Mary's. Both have 24/7 emergency departments.
Will WRHN bill my parents' insurer directly?
WRHN bills private insurers monthly, or at discharge for stays under 30 days. Patients from outside Canada are asked to pay when they arrive, so call the insurer's line first; many plans can arrange payment.
What would a hospital stay cost in Waterloo Region?
Cambridge Memorial Hospital charges non-residents of Canada $3,750 a day on a ward, $5,750 a day in ICU and $850 per ER visit (2026–27). WRHN doesn't publish its rates.
Can my parents fly into Waterloo airport?
Yes, on an Air Canada ticket. They land at Pearson and take the Landline coach to YKF with bags checked through. YKF has Gold accessibility certification.
Can my parents ride GRT for free?
During the pilot to January 5, 2027, riders 65+ get one free day a week through the GRT Pay app after age verification. It isn't confirmed whether visitors can verify their age in the app.
Can I pay monthly?
Yes. IRCC accepts instalment plans with a deposit. In our October 2026 quotes, monthly payments started at $135.05 for a 66-year-old with $100,000 of coverage.
Where These Facts Come From
- IRCC: Super visa forms and documents (insurance rules)
- Ontario.ca: Apply for OHIP (visitors don't qualify)
- Grand River Hospital: Merger approval announcement
- WRHN: Getting here
- WRHN: During your stay
- WRHN: Bills and insurance
- Cambridge Memorial Hospital: Fees 2026–27 (PDF)
- Explore Waterloo Region: Getting here
- YKF: Another strong year (March 2026)
- Air Canada: Landline
- City of Kitchener: About Kitchener (2021 Census)
- CTV Kitchener: 3 in 10 Waterloo Region residents born outside Canada
- Region of Waterloo: 2024 immigration profile
- GRT: Older adult day pass pilot
- Know Your Care Options
- City of Cambridge: Federal services
Local facts checked October 18, 2026. Hospital rates change; confirm with the hospital. More guides: Super Visa requirements · Super Visa insurance cost · Super Visa checklist · Emergency medical insurance for parents
Get your parents covered from day one
Live quotes in a minute, or WhatsApp us and we'll compare plans for your parents' ages and health, in English, Hindi, Punjabi or Urdu.