What Should I Do in My Situation?
Choose what's happening, then estimate the refund.
Why You Shouldn't Cancel Too Early
- IRCC requires Super Visa insurance that is valid for at least one year from the date of entry and valid for each entry.
- The policy must be available for the border officer to review when your parent arrives.
- Since June 22, 2023, Super Visa holders can stay up to 5 years at a time, and visitors are never covered by provincial health plans like OHIP.
- A cancelled policy can't be "un-cancelled". A new policy bought in Canada usually has a waiting period and won't cover problems that already started.
A deductible, a different insurer or a monthly plan can cut the cost without leaving your parents uninsured.
See real Super Visa pricesIRCC accepts monthly plans with a deposit, so you don't need to pay the whole year up front.
Super Visa insurance requirementsSee when a deductible saves money, and when it costs more.
Deductible calculatorHow to Cancel or Get a Refund
Check the timing
Visa refused, travel date changed, or parents already home? Each has different rules.
Gather proof
The refusal letter, or proof of the departure date such as a boarding pass or passport stamp.
Send the request
To the insurer, or to us if you bought through Insure In Canada. We submit it for you.
Get the refund
Back to the original payment method, minus any admin fee in the policy.
Cancelling Super Visa Insurance: FAQs
Can I cancel Super Visa insurance once the Super Visa is granted?
Yes, the insurer will let you cancel, but it's rarely a good idea before or soon after arrival. IRCC requires the insurance to be valid for at least one year from the date of entry and for each entry, and the border officer can ask to see it. If plans change, move the start date instead.
Will I get a full refund if the Super Visa is refused?
Usually yes. Most insurers refund the full premium if you send the refusal letter before the policy start date.
Can I get a refund if my parents go home early?
Most insurers refund the unused days after the parents have left Canada, as long as no claim was made. An admin fee may apply. You'll need proof of the departure date.
Is there a cancellation fee?
It depends on the insurer. Many charge a small admin fee on partial refunds; some charge nothing if the policy hasn't started. Check the cancellation section of the policy wording, or ask us before you buy.
Can I get a refund if a claim was made?
Usually no. Most policies don't refund unused days once a claim has been paid.
Can I change the start date instead of cancelling?
Yes. If the travel date changes before the policy starts, most insurers will move the dates for free. That keeps your parent's insurance valid for the full year from the new entry date.
What about monthly Super Visa plans?
On a monthly plan, cancelling stops future payments, but the deposit may not be fully refundable. Read the plan's terms, because they differ between insurers.
Do my parents need insurance after the first year?
IRCC's rule is one year from the date of entry. But parents on a Super Visa can stay up to 5 years at a time, and they still aren't covered by provincial health plans, so most families renew every year.
Sources
- IRCC: Super visa – documents you need, including medical insurance (updated July 30, 2026)
- IRCC: How long you can stay on a super visa (updated July 6, 2026)
- Ontario.ca: Apply for OHIP (visitors don't qualify)
Last reviewed October 18, 2026 by Pankaj Bhatia, PFA, CHS. Cancellation and refund rules differ by insurer; the policy wording decides. Insure In Canada is a licensed insurance brokerage, not an immigration consultant.
Bought your policy with us?
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