Quick answer
To extend visitor or Super Visa insurance, contact your advisor or insurer before the policy ends. Many insurers allow extensions if there's been no claim; otherwise a new policy can start the day after the old one ends. Avoid any gap — a lapse usually means a new waiting period and new medical questions.
Extend or buy new?
| Option | When it works | Watch for |
|---|---|---|
| Extend the same policy | No claims, insurer allows it, total stay within the plan maximum | Rates at the new age; new medical questions |
| New policy, no gap | Extension not allowed, or a better price elsewhere | Start date must be the day after the old one ends |
| New policy after a gap | Coverage already lapsed | Waiting period; conditions that started during the gap are excluded |
Super Visa holders staying past year one
Super Visa holders must keep valid insurance for their entire stay. Set a reminder 30 days before the end date and we'll compare renewal options. Renewal is priced on your parent's age and health at that time, so prices can change.
What to have ready
- Current policy number and end date
- New planned departure date
- Any medical changes since the policy started
Common questions
Can I extend after the policy expires?
Usually not as an extension. You'd buy a new policy, which may come with a waiting period.
Can I extend if we made a claim?
Some insurers won't extend after a claim. A new policy is then the route, and the claimed condition may become pre-existing.
Is there a maximum length?
Many visitor plans cap a single policy at 365 days, with renewals possible. Super Visa holders can renew for as long as they stay.
Compare quotes now
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Quotes are estimates based on each insurer's current rates. The insurer's policy wording and final rate always apply.