Travel Insurance Protection

Under Canadian Immigration (IRCC) rules, Super Visa applicants must provide proof of private medical insurance from an authorized Canadian insurance provider that meets three strict criteria: (1) Valid for at least 1 continuous year from arrival, (2) Minimum of $100,000 emergency medical coverage (hospitalization, doctors, and repatriation), and (3) Covers health care, hospitalization, and repatriation. We only partner with insurers certified to issue IRCC-compliant policies.

Yes, with the right policy. Many Canadian underwriters offer pre-existing condition riders provided the condition has been stable for a required period (typically 90 to 180 days prior to the policy start date). A condition is considered stable if there have been no new symptoms, no hospitalizations, and no changes in medication dosage. We review your parent's exact prescription history to ensure they are placed in a plan that protects them without coverage loopholes.

Yes, 100%. If your parent's Super Visa application is rejected by the Canadian embassy, insurance companies offer a full refund with official proof of refusal. Furthermore, if your parents decide to return to their home country before their 365-day policy expires, most carriers provide a pro-rated refund for the unused months, provided no claims have been made during their stay.

Provincial plans only reimburse emergency medical expenses incurred outside Canada at standard Canadian rates-which usually covers less than 5% to 10% of actual hospital bills in countries like the United States. Moreover, provincial health covers zero ambulance transport, no air evacuation, and no emergency prescription costs outside the country. A dedicated out-of-country travel policy covers 100% of these devastating shortfalls.

In the event of an emergency, you or a family member calls the 24/7 assistance phone number listed on your policy wallet card as soon as reasonably possible. The medical assistance team immediately opens a case file, coordinates with hospital administrators, and arranges direct billing between the hospital and the insurer so you are not forced to pay thousands of dollars upfront on your credit card.