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Super Visa Insurance Refunds: What Happens If Your Visa is Denied?

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    Oliver Pelero
    Twitter

Introduction

Applying for a Super Visa in Canada requires purchasing a one-year medical insurance policy upfront. Because these policies must cover a minimum of 100,000inmedicalcare,thepremiumcancostanywherefrom100,000 in medical care, the premium can cost anywhere from 1,000 to over $3,000 depending on the applicant's age and health conditions.

This represents a significant upfront cost. Naturally, sponsors want to know: What happens to my money if the visa application is denied?

In this guide, we explain the standard refund and cancellation policies for Super Visa insurance. You can estimate your premium options with our Super Visa Insurance Calculator.

1. Refund Policies for Visa Denial

If your parent's or grandparent's Super Visa application is denied by IRCC, you are eligible for a 100% refund of your insurance premium from almost all Canadian insurance providers.

To claim the refund, you must submit:

  • The official visa denial letter issued by IRCC.
  • A written request for cancellation to your insurance broker or provider.

Note: Some providers charge a small administrative cancellation fee (usually between 20and20 and 50), while others refund the full amount.

2. Refunds for Early Departures

If your parents arrive in Canada but decide to return to their home country before their one-year stay is complete, you can get a pro-rated refund for the unused portion of the policy.

Conditions for Pro-rated Refunds:

  • No medical claims must have been submitted during their stay.
  • You must provide proof of departure (such as boarding passes or airline tickets).

3. Changing the Start Date

If your visa processing takes longer than expected and your parents' travel dates change, you do not need to cancel the policy. Most insurance companies allow you to shift the policy start date free of charge before the original coverage starts.

Conclusion

Understanding refund policies gives you peace of mind when purchasing the mandatory insurance policy.

To compare different insurance coverage options and estimate premiums for your family, use the Super Visa Insurance Calculator.

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