Common Mistakes to Avoid when buying Supervisa Insurance

• Buying coverage after applying. The policy has to be in place before submission, not pending.
• Assuming home-country travel insurance qualifies. It almost never does — it has to be from a Canadian insurer.
• Underestimating the deductible. A low premium with a high deductible can create a financial shock later.
• Skipping the fine print on pre-existing conditions. This is the single most common reason claims get denied.
• Not confirming the refund policy. If the visa gets denied, you want to know upfront whether you’re getting money back.

Frequently Asked Questions

Can I cancel super visa insurance if the visa is denied? In most cases, yes. Most Canadian insurers offer a full refund if the Super Visa application is refused, provided the policy hasn’t already gone into effect. Always confirm the specific refund terms before purchasing.

Does super visa insurance cover pre-existing conditions? It depends entirely on the insurer and the specific policy. Some plans cover “stable” pre-existing conditions after a defined period (for example, conditions with no changes in medication or symptoms for 90 days, 120 day or 180 days), while others exclude them altogether. This is one of the most important details to clarify before buying.

Can the coverage amount be higher than $100,000? Yes, and for older parents or those with health concerns, it’s often worth considering. Higher coverage limits reduce the risk of a shortfall if a serious medical event happens during the stay.

Does the policy need to cover the full length of the visit? The policy must be valid for a minimum of one year at the time of application, even if the actual visit is expected to be shorter.

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