Top 10 Questions Indian Families Ask About Super Visa Insurance

If you're inviting your parents or grandparents to Canada under the Super Visa program, health insurance isn’t just a suggestion—it’s a legal requirement. Many Indian families have similar questions when navigating this process. At DaddySafe, we understand how important clarity is, especially when it comes to your loved ones’ safety and compliance with IRCC regulations.

Here are the top 10 most common Super Visa Insurance questions—with clear answers to help you feel confident and informed.

1. Is Super Visa Insurance mandatory?

Yes. The Super Visa application will not be approved without valid proof of medical insurance. As per IRCC guidelines, the insurance must:

• Be purchased from a Canadian insurance company

• Have a minimum coverage of $100,000

• Be valid for at least one year from the date of entry

This ensures that any emergency medical needs during your parents’ visit will be covered.

2. Can I pay monthly?

Generally, no. Most providers require the full premium upfront for 1-year coverage. However, a few companies (such as 21st Century and Destination: Canada) do offer monthly payment plans with conditions—like signing a commitment for full payment and paying a few months upfrontManulife_Policy-WordingsDTC Visitors to Canada …21stCenturt-Enhance&Sta….

3. What’s the minimum coverage amount?

IRCC mandates at least $100,000 in emergency medical coverage. However, you can also choose higher limits like $150,000 or $300,000 depending on age and health conditions for added peace of mind.

4. Can I get a refund if the visa is refused?

Yes. Most Canadian insurers offer a full refund if your Super Visa is denied. You’ll need to submit:

• Proof of visa refusal (such as an IRCC rejection letter)

• A written cancellation request

Some insurers may deduct a small administrative fee. Be sure to check each insurer’s refund policy.

5. Can I buy Super Visa Insurance while my parents are in India?

Absolutely. You can buy Super Visa Insurance entirely online, from anywhere in the world—including India. At DaddySafe, we specialize in helping families complete the purchase process from India, making the experience smooth and secure.

6. Are pre-existing conditions covered?

Sometimes—if they’re stable. Some policies cover stable pre-existing medical conditions, but definitions of "stable" vary. For example:

• Manulife: stable for 180 days before policy startsManulife_Policy-Wordings

• GMS: no change in treatment or symptoms for 180 daysGMS_Immigrants_Visitors…

• 21st Century Enhanced Plan: stable for 180 days and answers required on a medical declaration21stCenturt-Enhance&Sta…

You can easily compare such features using DaddySafe’s plan filters.

7. How fast will I get my insurance documents?

Instantly. Once you purchase a plan online, DaddySafe emails the official policy confirmation within minutes. These documents must be submitted with the Super Visa application.

8. Do I need Canadian bank details to purchase?

No. Payment can be made using international debit or credit cards, including those from India. DaddySafe’s secure payment gateway supports major card networks worldwide.

9. Can I extend the policy later?

Yes—but it’s best to plan ahead. Most insurers allow extensions, but:

• Rates may be higher

• You must apply before the current policy expires

• Health status must remain unchanged

If you think your parents might stay longer, consider choosing a longer policy upfront for better rates and fewer headaches.

10. How does DaddySafe help?

We simplify everything for Indian families bringing loved ones to Canada. At DaddySafe, you can:

• Compare top Canadian insurers like Manulife, GMS, 21st Century, and Destination: Canada

• Filter for pre-existing condition coverage

• Complete the purchase online in minutes

• Get support in English, Hindi, or Gujarati

Whether you’re buying from Canada or India, DaddySafe makes Super Visa Insurance easier, faster, and fully IRCC-compliant.