Things to Check Before Buying Super Visa Insurance for Canada

5 Things to Check Before Buying Super Visa Insurance for Canada

Bringing your parents or grandparents to Canada on a Super Visa is a beautiful way to stay connected across generations. But before you can even submit that application, there's one non-negotiable requirement you must fulfill: buying proper Super Visa insurance.

While it may seem like just another item on the checklist, this insurance is more than a formality. It’s your parents’ safety net while they’re far from home. To help you make the best decision, here are five essential things to check before you purchase a Super Visa insurance policy.

1. Minimum $100,000 Coverage

Super Visa applicants are required to have at least $100,000 in emergency medical insurance coverage. This includes hospitalization, healthcare, and repatriation. Some families choose higher coverage amounts — up to $300,000 — for additional peace of mind, especially if the visitor is older or has existing health concerns.

Why it matters: Healthcare in Canada is expensive for non-residents. A single ER visit can cost hundreds to thousands of dollars. Insurance helps protect both your family and your finances.

2. Emergency Services Must Be Included

The insurance must cover more than just hospital visits. It needs to include:

• Emergency medical treatment

• Hospital stays (semi-private rooms)

• Ambulance transportation

• Prescription medications

• Return of remains or repatriation

Always read the summary of benefits and ensure these essentials are clearly covered.

3. Pre-existing Medical Conditions and Stability Periods

This is where many applicants get caught off guard. Different insurance providers have different rules for pre-existing conditions.

Most insurers require that any pre-existing condition be "stable" for a set period before the policy start date — typically 90, 120, or 180 days, depending on the applicant’s age.

What to check: If your parent has diabetes, heart issues, or any ongoing condition, verify what "stable" means in the policy — and make sure their condition qualifies.

4. Side-Trip Coverage Outside Canada

If your parents plan to take a quick trip to the US or another country during their stay, some insurance plans allow side-trip coverage — but only if the majority of their time is spent in Canada (usually 51% or more).

Pro tip: Always check whether side-trip coverage is included or if you need to add it on.

5. Refund and Cancellation Policies

Life happens. Sometimes, visa applications are denied or travel plans change. Look for insurance policies that offer partial or full refunds in such cases.

At DaddySafe, we only show you policies with clear refund options, so you're never caught off guard if your plans change.

What If the Insurance Is Bought After Arrival?

Some policies apply a waiting period — typically 48 to 72 hours, or even up to 7 days — if the insurance is purchased after the person has already arrived in Canada.

During this waiting period, no claims related to sickness will be covered, even if the illness seems sudden or unrelated. Accidents might still be eligible, but anything related to symptoms or health conditions that arise during the waiting period is excluded.

To avoid this risk, it’s highly recommended to purchase Super Visa insurance before arrival in Canada. Doing so ensures immediate coverage from the moment they land — and gives everyone peace of mind.

Why Compare Before You Buy?

Every insurance provider offers different terms, coverage levels, premiums, and exclusions. That’s where DaddySafe comes in. Our platform lets you compare 30+ Super Visa and Visitors to Canada insurance plans in one place — fast, transparent, and fully online.

No phone calls. No confusion. Just peace of mind.

Visit DaddySafe.ca today and get your parents protected — with Pyaar.

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