Quick answer
If the Super Visa is refused, most insurers refund the full premium when you send the refusal letter before the policy starts. If your parents leave Canada early, you can usually get a refund for the unused period if there have been no claims, less an administration fee. Monthly plan setup fees may not be refundable.
Three refund situations
1. The visa is refused
Send us the IRCC refusal letter as soon as you get it. With most insurers, a refusal sent before the effective date means a full refund. Monthly-plan setup fees may only be refunded under the same condition.
2. Your parents don't travel
If the visa is approved but plans change, you can usually cancel before the start date. Some insurers charge a small fee, especially once the policy has been used to obtain a visa.
3. Your parents return home early
Most insurers refund unused days or months if there were no claims, minus an admin fee. You'll need proof of departure — a boarding pass, passport stamp or e-ticket.
Documents to keep
- The refusal letter (if refused)
- Proof of return: boarding passes, e-ticket or passport stamps
- The policy number and confirmation
How we help
Send us the documents and we'll file the refund request and follow up with the insurer. Refunds generally go back to the original payment method.
Common questions
How long does a refund take?
Often a few weeks once the insurer has complete documents.
Is there a refund if we made a claim?
Usually no refund of the unused period once a claim has been paid. Check your policy.
What is the cooling-off period?
Many policies let you cancel within a short period after purchase (often 10 days) for a full refund, if you haven't travelled or claimed.
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