Super Visa and visitor insurance FAQs
Buying a policy
For a Super Visa, before the application goes in — the paid policy is part of it. For an ordinary visit, any time before departure. Coverage starts on the date you pick, not the date you pay, so buying early costs nothing.
Yes, but with two penalties: most insurers apply a waiting period of a few days before cover becomes active, and anything that has already happened is treated as pre-existing. Buying before departure avoids both at no extra cost.
No. Premiums are filed by the insurer and identical whether you buy from us or direct. Our commission is already inside that filed rate. The comparison and the phone support are free.
Yes, and most people do. You need their passport spellings, dates of birth and medical history. The certificate is issued in their name and emailed to whichever address you give.
Call the insurer and move the start date before the original one passes — that is usually free. Afterwards it rarely is, because the policy has technically begun.
Usually within minutes of payment, by email. That is the confirmation letter a visa office or a border officer may ask to see.
What is covered
For a Super Visa, $100,000 is the minimum Canada accepts. For an ordinary visit there is no legal minimum, but $100,000 is a sensible floor — one night in intensive care can pass a $10,000 limit on its own.
Emergency hospital and ward care, physician and specialist fees, diagnostics, prescriptions dispensed during treatment, ambulance, emergency dental for accidental injury, and repatriation.
Routine and preventive care, checkups, dental cleanings, refills for a condition someone already has, elective procedures, pregnancy and childbirth on most plans, and anything somebody travels to Canada specifically to obtain.
Many plans do, provided the condition has been stable for that insurer’s stability period — commonly 90 or 180 days. Stable means unchanged, not healthy. See pre-existing conditions.
It is what you pay before the insurer pays anything. A higher deductible lowers the premium, which is a fair bet for a healthy traveller and a poor one if finding that sum in an emergency would be difficult.
Either, but check the limit. Each person needs their own $100,000 for a Super Visa, and a few family plans share a single limit across everyone named — a shared limit does not qualify.
Usually, if you arrange it before the current one expires and no claim has been made. An extension continues the existing cover; a fresh policy restarts every pre-existing clock from zero.
Claims and refunds
Call the assistance number on the policy certificate. That call authorises treatment and, on a large bill, gets the hospital paid directly instead of billing you. Full detail on our claims page.
For a large admission, usually yes, arranged through the assistance line. Smaller costs are normally paid by you and reimbursed afterwards.
Commonly a few weeks from a complete submission. Missing paperwork is what stretches it — send everything at once.
Every insurer we place business with refunds the premium against a copy of the refusal letter. Some deduct a small administration fee. Ask us for the exact clause on a plan before you buy.
Usually yes, pro-rated for the unused days, as long as no claim has been made. Most insurers charge a small cancellation fee. Send us the departure stamp.
Most often a pre-existing condition that was not stable during the stability period, or something that was never covered in the first place. Declaring everything honestly is the best protection there is.
Super Visa specifics
At least $100,000 in emergency medical coverage per person, valid a full 365 days from the start date, from an insurer Canada accepts, and paid for rather than quoted. Our requirements page takes each in turn.
On most Super Visa plans, yes — a first instalment plus a setup fee, then a fixed amount monthly. The policy still runs the full year. See monthly payments.
Yes, provided the insurer issues a confirmation letter showing the policy is in force for the full 365 days under an approved instalment plan. Ask to see that letter before committing to monthly.
Only if that insurer is on the list of providers Canada has designated outside Canada. Otherwise it has to come from a Canadian insurer — you can buy it here on their behalf.
Yes. A Super Visa allows stays of up to five years at a time, so some families buy two years up front. One year is the minimum, not a ceiling.
The insured person’s name exactly as the passport spells it, the insurer, a policy number, the amount in Canadian dollars, effective and expiry dates at least 365 days apart, and evidence the premium is paid.
Still stuck? These answers are general — the useful answer usually depends on an age, a date, or when a medication last changed. Call 437-428-2828 and a licensed agent will work through your own case. Mon–Sat, 9am–8pm ET, and there is no charge for the advice.
Get a price, or get an answer
Compare plans in about a minute, or call and talk it through first. Mon–Sat, 9am–8pm ET. No obligation, and nobody will push you to buy on the call.
TrueVisit Insurance arranges travel-medical insurance for visitors, Super Visa applicants and international students across Canada. We compare plans from six insurers so you do not have to call each one.
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TrueVisit Insurance Inc. is a licensed insurance agency in Ontario. Information on this site is a summary for general guidance only. Coverage, exclusions and limits are governed by the policy wording issued by the insurer. Premiums shown are estimates based on the details you enter and are confirmed at the time of purchase.