SuperVisa Insurance - Updated June 17, 2025

SuperVisa Insurance - Updated June 17, 2025

How is this coverage different from a regular Visitors to Canada policy?

While the coverages, limitations and exclusions are virtually identical to our Visitors to Canada policy, the eligibility requirements, cancellation rules, one-year policy term requirement and payment options are slightly different.

As explained in the Government of Canada's website, there are certain insurance requirements for individuals applying for a super visa. The health insurance policy should:

• be valid for a minimum of 1 year from the date of entry
• be paid in full or in instalments with a deposit (quotes aren’t accepted)
• cover emergency health care, hospitalization and repatriation
• provide a minimum of $100,000 of emergency coverage
• Our Goose Super Visa insurance meets these minimum requirements, with higher coverage limits available.

Who can buy this, and what coverage does it provide? 

Applicants must be in good health, not experiencing any new or undiagnosed symptoms or know of any reason to seek medical attention. This insurance is typically purchased by the host in Canada, for their parent or grandparent who are 84 years of age or younger, prior to the traveller's arrival (a Canadian address is required). 

Again, the requirements to be eligible are listed in the Government of Canada's website. Though $100,000 coverage is the minimum required, we recommend higher coverage limits as the premium differences are minimal and claims certainly can exceed $100k. 

How long can we buy coverage for? 

Policies are issued for one year (can be extended in future if necessary, either renewed on a one-year term as another Super Visa policy or as a regular Visitors to Canada policy).

Can I pay in installments?

Yes, with Super Visa policies only, we offer a monthly plan or a 4-pay installment plan. 

• With the monthly plan, a down payment equal to 2 monthly payments is required when the policy is purchased. This is followed by 10 monthly installments which begin the month after the policy is purchased. We cannot wait until their arrival date to resume the monthly payments under any circumstances.
• There is a $12 installment fee included in each installment payment. This fee is non-refundable once paid, even if the policy is cancelled due to a visa being denied.

What if my dates change or the visa is denied?

If the traveller's arrival date changes, please contact us before the policy becomes effective so that we can make any necessary adjustments. There is no cost to change the coverage dates.

If cancellation of your policy is requested prior to the effective date, the full premium can be refunded, however satisfactory proof from Citizenship and Immigration Canada that your Super Visa was denied will be required prior to the refund being accepted and processed.

What's the cancellation policy?

• If you request cancellation in the 10 days from the application date and prior to the effective date, a full refund is available if no travel has taken place and if the visitors are not already in Canada.
• After this 10 day free-look period, cancellations prior to the effective date for any reason other than a denial by Immigration Canada of the Visitor Visa will be subject to a $225 Minimum Retained premium, in addition to a $25 Admin Fee ($250 total). Any paid installment fees are also non-refundable.
• After the visitors have arrived and the policy has become effective, if the insured visitor has to return to their home country of origin and requests cancellation, or if they become eligible for coverage under a government health insurance plan during the coverage period, a partial refund of premium may be available if there have been no claims incurred. Contact us for details.
• This is a one-year policy and payment in full is required. If you select the monthly payment plan option, you are expected to fulfill the terms of the payment plan agreement. Under this payment contract, when a claim is made there is no provision for the stopping of premium payments and no refunds are provided. If further payments are yet to be made, these will continue to be processed until the payment term is complete, even if the insured visitor returns to their home country.

Are pre-existing conditions covered?

For policies purchased from February 1, 2025 onwards, pre-existing conditions are not covered on our basic Visitors to Canada insurance. 

However, if the optional Pre-Existing Condition rider is purchased, the following applies:

• For applicants under age 65, certain pre-existing conditions may be covered in the event of an emergency  (such as high blood pressure or diabetes, for example) if they have been stable* for at least 90 days before the effective date of the policy;
• For visitors aged 65-84, any sickness, injury or medical condition must be stable* for 180 days before the effective date in order to be coverable under this policy.
• Some conditions are completely excluded from coverage, such as routine pre-natal care in the 9 weeks within your due date, regular care of ongoing chronic conditions, or expenses related to any cancer undergoing treatment, for example - please see page 8-9 of the policy wordings for complete details).

Is there a deductible?

There is no deductible with our Super Visa insurance.

Will coverage apply if we want to take a short trip outside Canada?

Yes, the policy will provide emergency travel medical coverage for short trips outside Canada. A minimum of 50% of your coverage period must be spent in Canada and time spent outside of Canada is limited to a maximum of 31 days per visit. There is no coverage while in your country of origin.

Do you pay hospitals directly or do we have to submit a claim for reimbursement of expenses?

Whenever possible and for eligible services according to the policy terms, our Claims Administrator will instruct the hospital or clinic to bill us directly.