Who is behind Champp Insurance
Champp Insurance is led by Aniel Bharadwaj, a licensed insurance advisor who built the practice around one observation: the families who most need clear insurance advice in Canada — newcomers, sponsors of visiting parents, first-generation professionals — are often the ones handed the least of it. Policies arrive as dense PDFs, call centres rotate through agents who do not know your file, and the fine print only gets read after a claim goes wrong.
Champp exists to be the opposite of that. One advisor who knows your family's situation, explains options in the language you think in, and picks up the phone when something happens.
Most of Champp's clients are immigrant families across Canada — many of them South Asian households in the Greater Toronto Area and Metro Vancouver — sponsoring parents on Super Visas, protecting young families with life insurance, or opening their first RESP. Because the practice is virtual, geography is never a barrier: a family in Surrey gets the same same-day service as one in Brampton.
[Placeholder: years of experience, licenses and provinces, professional designations — to be added.]
Why "Champp"?
The name comes from a simple idea: every family deserves a champion in their corner — someone on their side of the table when dealing with insurers, not a salesperson on the other side of it. That is the standard the practice is held to, from the first quote to the last claim.
How Aniel works
- Families first. Recommendations start from what your family actually needs — a parent's Super Visa policy, a newborn's RESP, income protection — not from what pays the highest commission.
- Plain language, three languages. Every policy is explained in everyday terms in English, Hindi or Punjabi, including the exclusions and the stability clauses that decide real claims. Parents and grandparents are welcome on every call.
- Comparison, not one company's menu. Champp works with multiple Canadian insurers and puts options side by side, so you see the trade-offs between price, deductibles and pre-existing condition coverage before choosing.
- Claims advocacy. The relationship does not end at purchase. If a claim arises, Aniel helps gather documents, deal with the insurer and push back where a denial looks wrong.
- One advisor, not a call centre. You deal with the same person every time, virtually, across Canada — usually with quotes and policies delivered the same day.
What Champp Insurance helps with
The practice focuses on the coverage decisions immigrant families face most often:
- Super Visa insurance and visitor insurance for parents and grandparents;
- Travel insurance for trips abroad and international student insurance;
- Life insurance, critical illness insurance and health & dental plans;
- Savings and investment accounts such as RESPs, RRSPs and TFSAs.
What working together looks like
- Reach out. Phone, WhatsApp or the contact page — evenings and weekends included where possible.
- Talk it through. A short conversation about who needs coverage, health details, dates and budget, in whichever language suits your family.
- Compare and choose. Side-by-side options with honest notes on where each plan is strong or weak.
- Same-day delivery. Most policies, including Super Visa certificates, are issued and emailed the same day.
- Ongoing support. Date changes, renewals, refunds after a visa refusal, and help at claim time.
Start a conversation
Whether your parents' Super Visa application is due next week or you are simply comparing life insurance quotes, the first step costs nothing. Browse the FAQ, read the blog, or get in touch — in English, Hindi or Punjabi.