Quick answer
When comparing Super Visa policies, look past the price at how the deductible applies (per claim, per person or per policy), the refund rules for a refused visa or early return, and pre-existing condition coverage. These decide what you actually get back.
Deductibles explained
A deductible is what you pay before the insurer pays. Two policies with a "$1,000 deductible" can work very differently:
| Type | How it works |
|---|---|
| Per claim / per incident | You pay the deductible each time there is a new claim. |
| Per policy period | You pay it once for the whole policy year. |
| Per person | On a couple policy, each person has their own deductible. |
Refund rules to check
- Visa refused: usually a full refund with proof of refusal.
- Early return: unused months refunded if there are no claims, minus an admin fee — check the minimum.
- Date change: free before the effective date.
Comparing value
- Pre-existing condition coverage and the stability period
- Limits on clinic visits, physiotherapy and dental
- Side-trip coverage outside Canada
- Whether a medical questionnaire is required at the travellers' age
Reviewed by Pankaj Bhatia, PFA, CHS · Last updated October 22, 2026