How to File a Claim for Super Visa or Visitors to Canada Insurance – A Clear Guide

When unexpected medical emergencies arise during your stay in Canada, knowing how to initiate a claim with your Super Visa or Visitors to Canada insurance provider can make all the difference. At DaddySafe, we help simplify the process by connecting you with insurers that offer clear, reliable procedures. Here's what you need to know.

Step-by-Step Claim Process (Verified from Policy Documents)

1. Immediate Notification

Every insurer including Manulife, GMS, 21st Century, and Destination Canada requires that you notify the assistance provider within 24 hours of a medical emergency or hospital admission.

• Failing to notify can result in reduced benefits (up to 70% limitation or denial in some cases).

2. Gather Documentation

Each insurer has specific requirements, but commonly needed documents include:

• Original itemized bills and receipts

• Proof of payment

• Medical diagnosis records

• Police reports (in case of accident)

• Proof of travel dates

• Historical medical records (if requested)

3. Submit Claim Forms

• Manulife and GMS require claims to be submitted within 90 days of treatment.

• Ensure all documents are complete to avoid delays or denial.

4. Special Notes

• Death Claims may require an autopsy report (if legally permissible).

• Some providers require proof that the emergency is not related to pre-existing conditions unless those are covered under your plan.

Additional Tips

• Contact Before Treatment: Always call the assistance number before seeking treatment unless it’s an extreme emergency. Pre-authorization is often required for services like MRIs, CAT scans, and repatriation.

• Keep All Documents: Never discard medical records, receipts, or emails. These may be essential during the claim process.

Insurer-Specific Highlights

Manulife

• Requires contact within 24 hours.

• Offers full coverage for ambulance with pre-approval.

• Has a 10-day free look period for full refund if canceled pre-departure.

GMS

• Claims must be submitted within 90 days and finalized within 12 months.

• Includes detailed proof-of-claim requirements.

• Partial refunds available under certain conditions.

21st Century

• Requires itemized invoices and original receipts.

• Refunds granted only if no claims are made.

• Travel assistance must be contacted immediately.

[Destination Canada (Zurich Insurance)](https://daddysafe.ca/claims)

• Supports claim submission by email and mail.

• Provides clear timelines for submission and response.

• Refunds processed post-document verification if applicable.

Final Thoughts

The claim process may seem complex, but timely communication and complete documentation can help you avoid delays and ensure reimbursement. With DaddySafe, you can compare and purchase policies from leading Canadian insurers all IRCC-compliant and supported by dedicated claims assistance.