Insurance Refunds If Visa Gets Denied — What You Need to Know
One of the biggest worries for families applying for a Super Visa is: “What happens to the insurance money if the visa gets denied?”
It’s a valid concern — especially when policies cost $1,500 to $4,000 per year. Fortunately, many Canadian insurers offer partial or full refunds, but the process comes with terms and timelines.
In this blog, we explain how Super Visa insurance refunds work, what documents you’ll need, which policies are refundable, and how DaddySafe helps you choose the safest option.
Do All Insurance Plans Offer Refunds?
No. Not all policies are refundable. That’s why it’s critical to check refundability before purchasing.
There are three types of refund policies:
Fully Refundable: 100% refund if visa is denied (with proof)
Partially Refundable: Refund minus an admin/cancellation fee
Non-Refundable: No refund under any condition (usually cheaper plans)
What Triggers a Refund?
Refunds may be approved if:
The Super Visa application is denied by IRCC
The applicant does not travel to Canada
The visitor returns early and has unused coverage time
Important: The insurance must not be used — even one doctor visit could void the refund eligibility.
Documents You’ll Need
To get a refund, you’ll typically need:
The visa refusal letter from IRCC
A written refund request
A copy of the policy document or confirmation email
Proof that the policy was unused
Some insurers also require:
A signed cancellation form
A processing fee (if partially refundable)
How Much Time Do You Have to Apply?
Most insurers have a strict deadline — usually 30 to 60 days from the visa decision or policy start date.
Always apply as soon as the visa is refused or plans change.
DaddySafe’s Refund Filter
When comparing Super Visa insurance at DaddySafe.ca, you’ll see:
Refundable vs. Non-refundable labels
Admin fees (if any)
Time limits for refund requests
This transparency ensures you choose a plan that protects your money, not just your family.
Real-Life Example
“Last year, we bought insurance for my grandmother’s Super Visa — $2,300 for the year. Unfortunately, her visa got rejected. Because we used DaddySafe, we had picked a refundable policy. We got back the full amount within 3 weeks.”
What to Avoid
Buying non-refundable plans if visa status is uncertain
Missing the refund deadline
Submitting incomplete documentation
Letting someone use the policy even once
Final Thoughts
Buying insurance before a visa approval can feel risky — but with the right plan, it’s not. You can protect your health and your wallet.
At DaddySafe, we help you filter and find refundable policies from trusted Canadian providers. So even if plans change, your money is safe.
DaddySafe.ca — Where protection means more than just coverage.
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