Top 5 Mistakes People Make When Buying Super Visa Insurance

Buying Super Visa insurance can feel overwhelming, especially when you're doing it for the first time. From comparing policies to understanding pre-existing conditions, there are many small details that make a big difference. And unfortunately, even small oversights can lead to denied claims, extra costs or even a denied visa.

In this blog, we highlight the Top 5 most common mistakes families make when purchasing Super Visa insurance and how to avoid them.

1. Waiting to Buy Insurance After Arrival

Many assume that insurance can be purchased after parents land in Canada. While this may be technically possible for some plans, it’s not allowed for Super Visa applications.

Why it's a mistake:

• IRCC requires insurance proof at the time of Super Visa application

• Buying after arrival usually triggers a waiting period of 48–72 hours, during which no illness claims are covered

How to avoid: Always buy Super Visa insurance before submitting your application or before your loved ones arrive in Canada.

2. Ignoring Pre-Existing Condition Stability Requirements

Many insurance buyers assume that if a policy says it "covers pre-existing conditions," it's fully inclusive. But these plans have strict stability periods.

Why it's a mistake:

• If the condition isn’t stable (no change in medication, no symptoms, no new diagnoses) for 90–180 days, coverage may be denied

How to avoid: Read the policy wording carefully. Use DaddySafe’s filters to compare plans based on stability period requirements.

3. Choosing Non-Refundable Plans Without Checking Visa Status

Some families buy non-refundable policies before their visa is approved.

Why it's a mistake:

• If the visa gets denied, you could lose hundreds of dollars without a refund

How to avoid: Choose a plan that offers full or partial refund in case of visa rejection. DaddySafe clearly shows refund eligibility for every policy.

4. Picking the Cheapest Plan Without Checking Coverage Details

Going for the lowest premium might feel smart, but it can lead to major issues if coverage is limited.

Why it's a mistake:

• Cheap plans may exclude vital benefits like follow-up care, side-trip coverage, or even specialist services

How to avoid: Look beyond price. Compare coverage features and customer reviews. DaddySafe lets you evaluate full plan benefits, not just cost.

5. Incorrect Start Dates on the Policy

Many people misalign the insurance start date with the actual arrival date of their parents.

Why it's a mistake:

• If the policy begins after their flight lands, there may be no coverage on arrival

• If it starts too early, you waste money on unused days

How to avoid: Match the policy start date to the exact travel itinerary. Most plans allow flexible dates if flight schedules change.

Bonus Tip: Not Comparing Enough Options

Some buyers stick with a single provider recommended by a friend or agent.

Why it's a mistake:

• You could miss out on better value, wider coverage, or a better refund policy

How to avoid: Use DaddySafe.ca to compare 30+ licensed Canadian insurance providers in one place side-by-side.

Final Thoughts

Super Visa insurance is more than just a document it’s your family’s safety net. But making the wrong choice could cost you time, money, or even your application.

Avoid these common mistakes and choose confidently with DaddySafe.

Compare, choose, and buy online in minutes — with Protection with Pyaar.