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Almost everyone in August got their Medical request on Dec. 7-8. So it seems they send MR for a full month together.

I tried for OHIP but they said AIP is required - she even confirmed it by calling their head office. So it seems it depends on the clerk servicing you.

I also made the same mistake when I submitted spousal sponsorship & OWP file. Now waiting for file to be returned. I paid the missing $100 now. Is there a way to send them the new payment receipt to avoid receiving the application back? Also, how long it took them to return the file?

Just like with a provincial health card you will need referral from a family physician to get appointment for the specialists mentioned. Many Insurance companies allow direct billing. It depends on the hospitals - some have this facility, others don't. Most clinics don't have facility to bill...

You should get minimum $50k insurance with preferably 0 deductible. There are a many Canadian companies to choose from with some variations in benefits & claim processing.

I would avoid Travel shield - due to claim issues. There are other options with similar level of coverage & ease of claims as Manulife but less expensive.

They pay genuine claims but have a limit of $1000 for folllow-up visits.

Is it Travelance? Your agent should be able to advise you.

No it won't. Rule is only for the amount of coverage - Minimum $100k. There is no rule for deductible.

Its almost impossible to get a claim reimbursed by overseas insurance companies. Better get insurance from Canadian company & either increase the deductible or decrease the amount to make it cost effective.

Yes, you can cancel and buy again. Though there is a cancellation fee (might be $150-$250 or more) if cancelling insurance after getting the supervisa.

The claim hasn't been paid or pending but it did INCUR.

Once claim has been filed, there is no refund. You should have taken advice of your agent before filing a small claim if you knew she planned to go back soon.

Sorry, I misread your post. If they leave early then there is a administrative fee of $25-50 depending on the company. You still get the remaining refund. There are also monthly payment options

Yes, You will get a full refund if your Super Visa is refused.

The best company depends on age and health status of your mother. Most Canadian Insurance Providers pay for genuine claims. Sent you a pm/conversation if you need more help about quotes.

Most insurance agents work independently at least in the beginning. After a few years experience you ca apply for jobs.