They are different payments and should not be combined by assumption.
Separate the budgets
Reconcile official per-person fees and gifts with business and household costs. A gift does not provide commercial equity or a promised financial return. The nonrefundable processing charge is US$15,000 per person; after vetting when instructed, the principal gift is US$1 million individually or US$2 million corporately. Family additions and continuing corporate conditions are separate.
Use the current official instructions and resolve any private refund question under the actual agreement rather than subtracting it from a government payment. Budget separately for any government charge, independent professional advice, travel, and document collection, but do not assume any expenditure secures approval. Distinguish the amount instructed, the amount debited and the amount received, because in an international transfer these three figures are routinely different and only one of them satisfies anything. Do not infer a government refund from a company promise or assume a private repayment demand establishes what the program itself permits. Use the actual official instructions for any additional charges and assess travel purchase terms separately rather than assuming the government covers them. Keep government amounts, exchange assumptions and private preparation expenses distinct rather than quoting a fixed all-in Canadian price. Private insurance and ongoing treatment are separate planning items, and neither should be represented as a credit against the US$1 million individual gift.