🛡️ Licensed Financial Security Advisor · Montreal, Quebec

Your health is protected.
From day one.

Up to $2,000,000 in emergency medical coverage — for international students and visitors arriving in Canada. Two minutes to apply. Instant policy delivery.

🛡️ Backed by Tugo & Destination Insurance · AMF Licence #274287 · IRCC-compliant Super Visa
🎓
I'm an International Student

International student starting or continuing studies in Canada. Requires a study permit or visa.

From $2.11/day · 365-day coverage · $2M protection
→
✈️
I'm Visiting Canada

Visitor, new permanent resident, or waiting for provincial health coverage.

From $1.75/day · Any duration · Super Visa eligible
→
🍁
I'm Canadian & Travelling

Canadian travelling abroad for leisure, or living and working outside Canada as an expat.

Leisure & Expat plans · Age 0–79 · Flexible duration
→
🏥
Super Visa Insurance

Mandatory 1-year coverage for parents & grandparents visiting on a Super Visa.

Min. $100,000 · 365 days · IRCC required
→
Coverage dates
days
$2M
Maximum Coverage
24/7
Emergency Assistance
2 min
To Get Covered
100%
Online Process
Simple Process

Get covered in
three easy steps

No complicated paperwork, no waiting rooms. Choose your plan, fill in your details, and receive your policy by email — all online.

01
Choose Your Plan
Browse our travel plans from Destination and Tugo. Compare coverage levels and pricing to find what fits your needs and budget.
02
Share Your Details
Enter your name, email, and phone number in our quick form. We log your information so your advisor can follow up if you need any help.
03
Pay & Get Covered
Complete your secure payment online. Your policy confirmation and insurance card arrive instantly by email. You're covered from day one.
Coverage Plans

Find the right plan
for your situation

Select your profile below to see the plans designed for you, with live pricing.

COVERAGE DATES
START DATE
END DATE
— days
🛡️ Backed by Tugo & Destination Insurance · AMF Licence #274287 · IRCC-compliant Super Visa
Onofrio Kanagaratnam - Licensed Financial Security Advisor
🏛️
AMF Licensed · Quebec
Financial Security Advisor
Your Advisor
Onofrio Kanagaratnam
Licensed Financial Security Advisor · Montreal, Quebec

I specialize in health insurance for international students and newcomers to Canada. My goal is simple: make sure you understand your coverage, feel confident in your choice, and never have to worry about a medical emergency going unprotected. There's a real person behind every policy — not a chatbot.

📍 Montreal, Quebec
📞 +1 (438) 686-2727
✉️ onofrio.k@brilliancefsi.com
🪪 AMF Licence: 274287
Carriers
🛡️ 6 Canadian Insurers
Languages
🌐 EN · FR · IT
Location
🍁 Serving All of Canada
📞 Call Now ✉️ Send Email 💬 WhatsApp
Services & Carriers

More than
travel insurance

As an AMF-licensed advisor in insurance of persons and segregated funds, I help individuals and families across Quebec protect what matters and plan for what's ahead — life, health, income, retirement, and the people who depend on you.

✈️
Travel Insurance
International students, visitors, Super Visa applicants, and Canadians going abroad. Emergency medical up to $2M, trip interruption and more — available instantly online.
Backed by
Destination Tugo
❤️
Life Insurance
Term, whole life, and universal life. Protect your family, cover a mortgage, or build long-term value for your estate — tailored to your stage of life.
Backed by
Assumption Life Canada Protection Plan Equitable Life iA Financial Group
🩺
Living Benefits
Critical illness, disability income replacement, and long-term care insurance. The coverage that protects your income and lifestyle while you're still here to need it.
Backed by
Assumption Life Canada Protection Plan Equitable Life iA Financial Group
💊
Health & Dental
Individual health and dental plans for Canadians without group benefits, self-employed professionals, and newcomers outside provincial coverage.
Backed by
Assumption Life Equitable Life iA Financial Group
📈
Savings & Retirement
Segregated funds, annuities, and GIAs. Build your RRSP, TFSA, FHSA, RESP or RRIF through insurance-issued contracts with beneficiary protection and estate-planning advantages.
Backed by
Assumption Life Equitable Life iA Financial Group
Trusted Carriers
Destination Tugo Assumption Life Canada Protection Plan Equitable Life iA Financial Group

AMF Licensed in insurance of persons and segregated funds & annuities · Certificate #274287. Travel insurance is available for instant online purchase above. For life, living benefits, health & dental, and savings & retirement products, contact your advisor to book a personal consultation.

Why Trust Us

Licensed, regulated,
and fully transparent

Your peace of mind starts with knowing exactly who is handling your insurance.

🏛
AMF Licensed
Certified by Quebec's Autorité des marchés financiers. Licence #274287.
🛡
Multi-Carrier Advisor
Contracted with Destination, Tugo, Assumption Life, Canada Protection Plan, Equitable Life, and iA Financial Group — your recommendation fits your needs, not an insurer's catalogue.
🔒
Your Data, Protected
Fully compliant with Quebec's Law 25. Your personal information is never sold and stored securely in Canada.

Trusted by international students and visitors arriving in Canada — backed by Quebec's AMF and Canada's leading insurers.

FAQ

Frequently asked
questions

Everything you need to know before buying. Still have questions? Send me a message.

Ready to get covered?

Tell us who you are, pick your plan, and complete your application in minutes. Your advisor is available every step of the way.

✈️ Destination · International Student Plan

Almost there — just a few details

We'll log your information and open the application form for you. Takes 2 minutes to complete.

Please fill in all required fields and accept the consent.

Your information is kept private and used only to follow up on your policy. Read our Privacy Policy.
Prefer to talk? Call +1 (438) 686-2727

✈️ Destination

Complete your application

Secure checkout powered by Destination Insurance

1 · Your Details
2 · Payment
3 · Confirmation
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Dashboard

Welcome back — here's your overview

Total Submissions
0
Active Coordinators
0
Tugo Policies
0
Destination Policies
0
Finder Fees · Pending
$0
Finder Fees · Paid YTD
$0

Recent Submissions

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Plans & Pricing

Current rates for all available plans

🎓 Student Plans PRIMARY

For international students in Canada and Canadians studying abroad

🍁 Visitor & Super Visa Plans

For visitors to Canada and Super Visa applicants (parents & grandparents)

🌍 Canadian Traveller & Expat Plans

For Canadians travelling or living abroad

⚠ Disclaimer: Annual rates shown are for a standard 365-day student plan. Final premium confirmed at checkout. Always verify current rates on the provider portal before finalizing.

New Policy

Pick a plan to start a new client submission

How it works: Pick a plan below → enter the client's info and payment details → the policy is issued and documents are emailed to the client. The submission lands on your dashboard automatically with the premium and policy number filled in.

🎓 Student Plans PRIMARY

Start here for student policies — Tugo International Student Medical is the most common choice

🍁 Visitor & Super Visa Plans

For visitors to Canada and Super Visa applicants

🌍 Canadian Traveller & Expat Plans

For Canadians travelling or living abroad

Submissions

All client submissions

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Coordinator Accounts

Manage access for coordinators who issue policies

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Manage Pricing

Update plan rates when providers change their prices

🛡️ Tugo Plans
✈️ Destination Plans