Is Super Visa Insurance Refundable if Visa is Denied? (2025 Guide)

Applying for a Super Visa to bring your parents or grandparents to Canada is one of the most important steps for many immigrant families. Since Super Visa insurance is mandatory, the question naturally arises:

"What happens to the insurance money if the Super Visa is denied?"

This blog will give you a detailed answer based on official policy wording from major Canadian insurers and guide you through the refund process, timelines, and how to avoid losing money.

Is Super Visa Insurance Refundable?

Yes, Super Visa insurance is typically refundable if the visa is denied, provided the following conditions are met:

1. No claims have been made on the policy

2. You submit a written request for cancellation

3. You provide an official Super Visa rejection letter from IRCC (Immigration, Refugees and Citizenship Canada)

Most insurance companies in Canada include this refund option in their policy wording, but the process and timelines can vary by provider.

What Documents Are Required for a Refund?

To receive a refund, you usually need to submit:

• Copy of the Super Visa refusal letter issued by IRCC

• Written request for policy cancellation (can be via email)

• Proof that no claims were filed during the insured period

Some providers may also require ID verification or additional forms depending on how you purchased the policy.

Deadline to Request a Refund

Most insurance providers have a refund window of 30 to 60 days from the policy’s effective date. This means you must request your refund shortly after receiving your visa decision.

If your policy start date has already passed or you’ve traveled to Canada, refund eligibility may be reduced or voided.

Refund Processing Times

Once you submit all the required documents, most companies process refunds within 7 to 15 business days. Some deduct a small administrative fee (usually $25 to $50), while others offer full refunds with no fee.

Always check the fine print under “Refund and Cancellation Policy” in the policy document.

What If I Cancel for Other Reasons?

You may still be eligible for a partial or full refund in cases like:

• Change in travel plans: If your parent decides not to travel

• Early return: If they visit but leave Canada before the policy end date

• Duplicate purchase: If you accidentally buy multiple policies

In all cases, no claims must have been made, and you must submit proof (e.g., flight cancellation, departure stamp).

How DaddySafe Makes It Easier

DaddySafe is not an insurance company, but a comparison platform that lets you:

• Compare multiple Super Visa insurance plans in one place

• See each plan’s refund and cancellation policies before buying

• Get help from real advisors if your visa is denied or delayed

By choosing the right plan upfront, you can ensure peace of mind—knowing you won’t lose money if your application is rejected.

Final Tips Before You Buy

• Always read the refund policy in the official insurer document

• Save all email confirmations and receipts from your purchase

• Request a policy start date that matches your likely travel window, not immediately

• Ask your provider or DaddySafe if the plan is fully refundable in case of denial

Conclusion: Refunds Are Possible, But Conditions Apply

Super Visa insurance is a financial commitment, but it doesn’t have to be risky. With the right documents and a little preparation, you can get your money back if the visa isn’t approved.

Before you buy, compare all your options on DaddySafe.ca and make sure the refund policy works in your favor.

Because even before your family reunites in Canada, your peace of mind matters.