Quick answer
To compare Super Visa insurance, look past the price: check pre-existing coverage and stability rules, the deductible (and whether it's per claim), side-trip rules, refund and cancellation terms, monthly payment fees, the waiting period if buying after arrival, and how the insurer handles claims.
The eight things that matter
| Check | What to look for |
|---|---|
| Pre-existing conditions | Included? Stability period (90/180/365 days)? Any limit on the amount? |
| Deductible | Amount, and whether it's per claim or per policy |
| Coverage limit | $100,000 minimum; consider more for older parents |
| Side trips | Covered outside Canada? Any day limit? Home country excluded |
| Refunds | Visa refusal, early return, admin fees |
| Monthly payments | Offered? Setup fee? Refundable? |
| Waiting period | Length if coverage starts after arrival |
| Claims service | 24/7 assistance, direct billing, how quickly claims are paid |
Price comparisons that mislead
Online tables often compare plans with different deductibles, limits or pre-existing rules side by side. Make sure you're comparing like for like: same coverage, same deductible, same pre-existing option.
Why use an advisor?
Prices are set by insurers, so you pay the same through an advisor as buying direct. What you gain is someone who has read the wording, knows how each insurer handles claims in practice, and is there when you need help.
Common questions
Which Super Visa insurance company is best?
There's no single best — it depends on your parent's age, health and plans. The best plan is the lowest-priced one that will actually pay for your parent's situation.
Is buying online cheaper than through an advisor?
No. Insurers set the premium. Advice and claim help come at no extra cost.
Should I always choose the lowest deductible?
Not necessarily. A $1,000 deductible often lowers the premium enough to be worth it, if you can afford that amount on a claim.
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Quotes are estimates based on each insurer's current rates. The insurer's policy wording and final rate always apply.