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Top 5 Myths About Super Visa Insurance — Busted!

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Last updated : 02/02/2026

Super Visa insurance is one of the most crucial parts of a Super Visa application, yet it’s often misunderstood. Many applicants and sponsors are unaware of what the insurance truly covers and why it’s mandatory. There are several misconceptions surrounding it — from thinking it’s the same as provincial health coverage to assuming it includes all types of medical services. In reality, Super Visa insurance is designed specifically for emergency medical care during a parent or grandparent’s stay in Canada.

Myth 1 – Similar to Provincial Health Plans : Super Visa insurance is a medical plan designed to protect parents and grandparents only for medical emergencies during their stay in Canada. It is completely different from provincial health coverage, which is only available to Canadian residents. Super Visa insurance does not cover regular checkups, routine medications, or non-emergency treatments.

Myth 2 – Pre-Existing Conditions Are Never Covered : This is one of the most common misconceptions. Many believe that Super Visa insurance does not provide any coverage for pre-existing conditions. In fact, several insurance providers, including Travel Shield, cover stable pre-existing conditions as long as they meet the stability period and terms outlined in the policy.

Myth 3 – No Refund if the Visa Gets Refused: Another common misunderstanding is that you won’t receive a refund if your visa application is denied. This is not true. Under the Travel Shield Super Visa plan, if the visa is refused before the effective date, you are entitled to a 100% refund, as per the policy wording.

Myth 4 – You Can Buy Insurance After Arrival: This is completely incorrect. For a Super Visa application, proof of insurance is mandatory and must be purchased before submitting your application. Without valid Super Visa insurance, the application may be refused by IRCC.

Myth 5 – International Insurance Is Cheaper: Many applicants believe buying insurance from their home country or an international provider is a cheaper option. However, Canadian-based insurers offer better protection, direct billing with hospitals, and faster claims assistance, ensuring peace of mind for both the sponsor and visiting family members.

By understanding the facts, you can make confident choices and secure the right coverage for your loved ones.

1. Do you have a heart condition?
- a. Have you taken any form of nitroglycerine for the relief of angina pain in the last 120 days?
- b. In the past 120 days, Has your heart condition had a new symptom, an existing symptom that has become more severe or frequent, or any change in your medical condition?
2. Do you have a lung condition?
- a. Have you required treatment with oxygen for any lung condition in the last 120 days?
- b. In the past 120 days, Has your lung condition had a new symptom, an existing symptom that has become more severe or frequent, or any change in your medical condition?
3. Do you have any other irregularity in your health which required or requires medical advice, consultation, investigation, treatment, care, service, or diagnosis by a physician, including complications of pregnancy within the first 31 weeks of pregnancy?
- a. If yes, have any of these conditions not been stable in the past 120 days?

Benefits	No coverage for any pre-existing conditions	120 day stability for all pre-existing conditions
Hospital Accommodation	Semi-private room rate OR ICU if required. Emergency room fees. c. Emergency out-patient services	Semi-private roomrate OR ICU if required. Emergency room fees. c. Emergency out-patient services
Medical Services	Licensed physician, surgeon, anaesthetist or registered graduate nurse.	Licensed physician, surgeon, anaesthetist or registered graduate nurse.
Diagnostic Services	Laboratory tests and x-rays. magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies if approved.	Laboratory tests and x-rays. magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies if approved.
Prescription	This benefit is limited to a 30-day supply of prescription.	This benefit is limited to a 30-day supply of prescription.
Private Duty Nurse	registered private duty nurse as the result of a coveredemergency when medically necessary and while hospitalized or in lieu of hospitalization to a maximum of $10,000.	registered private duty nurse as the result of a coveredemergency when medically necessary and while hospitalized or in lieu of hospitalization to a maximum of $10,000.
Paramedical Services	licensed chiropractor, physiotherapist, podiatrist, osteopath or acupuncturist to a maximum of $500 per insured person, per profession listed above.	licensed chiropractor, physiotherapist, podiatrist, osteopath or acupuncturist to a maximum of $500 per insured person, per profession listed above.
Dental	Up to $5,000 to repair or replace whole or sound natural teeth or permanently attached artificial teeth damaged as a result of an accidental blow to the face; and b. up to $500 for emergency dental treatment for relief of pain caused other than by a blow to the face	Up to $5,000 to repair or replace whole or sound natural teeth or permanently attached artificial teeth damaged as a result of an accidental blow to the face; and b. up to $500 for emergency dental treatment for relief of pain caused other than by a blow to the face.
Medical Appliances	minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair, not exceeding the purchase price.	minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair, not exceeding the purchase price.
Ambulance Services	Licensed ground ambulance service	Licensed ground ambulance service
Transportation to Bedside	economy airfare plus up to $150 per day	economy airfare plus up to $150 per
Emergency Air Transportation	Air ambulance to the nearest appropriate medical facility.	Air ambulance to the nearest appropriate medical facility.
Repatriation	a. up to a maximum of $10,000	a. up to a maximum of $10,000
Meals and Accommodation	up to $150 per day, to an overall maximum of 10 days for your commercial accommodation, meals, essential telephone calls, internet fees, bus or taxi fare or rental car…	up to $150 per day, to an overall maximum of 10 days for your commercial accommodation, meals, essential telephone calls, internet fees, bus or taxi fare or rental car…
Hospital Allowance	Up to $150 per day to a maximum $1500 for incidental expenses billed by the hospital such as telephone, television or internet charges while you are hospitalized	Up to $150 per day to a maximum $1500 for incidental expenses billed by the hospital such as telephone, television or internet charges while you are hospitalized
Return and Escort of Children	up to economy airfare to return accompanying dependent children to the departure point in the event that you are returned to your country of origin or Canada.	up to economy airfare to return accompanying dependent children to the departure point in the event that you are returned to your country of origin or Canada..
Accidental Death & Dismemberment (Optional)	up to $100,000, for loss of life, limb or sight of an insured person resulting directly from accidental injury	up to $100,000, for loss of life, limb or sight of an insured person resulting directly from accidental injury

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No coverage for any pre-existing conditions

120 day stability for all pre-existing conditions

Top 5 Myths About Super Visa Insurance — Busted!

866-517-0606