What Should We Do Right Now?
Pick the situation. We'll show the steps in the right order.
In a life-threatening emergency, always call 911 first. This page is general information; follow the instructions in your own policy.
What Can a Late Call Cost?
Based on one plan we sell: if the insurer isn't notified as required, it pays 80% of eligible costs, up to $25,000.
Illustration only. Every insurer's notification rule and limit is different; check your policy wording. Claims are also subject to the policy's other terms and exclusions.
How to Make a Super Visa or Visitor Insurance Claim
Call the insurer's emergency assistance line
Before any non-emergency visit, or as soon as possible after an emergency. The number is on the policy and the wallet card. They tell you where to go and can often pay the clinic or hospital directly.
Go where the insurer sends you
A walk-in clinic, a doctor or a hospital the insurer works with. Show the policy number.
Keep every paper
Itemized bills, receipts, the doctor's notes, prescriptions and the ambulance report. Take photos as a backup.
Submit the claim form
If you paid anything yourself, send the claim form with the originals or copies the insurer asks for, before the deadline in your policy.
Answer the insurer's questions
The insurer may ask for medical records from home to check pre-existing conditions. Reply quickly so the claim isn't delayed.
Claim Documents Checklist
Tick each one as you collect it. Saved on this device.
0 of 8 ready
Put the insurer's emergency assistance number in your parent's phone, your phone and on the fridge, next to the policy number. It's the single most useful thing you can do.
Undeclared medical history, wrong dates and small claims before an early return can all cost you. Take our 2-minute policy check.
12 Super Visa insurance mistakesCompare claims rules, not just prices.
How to choose visitor insuranceSuper Visa Insurance Claims: FAQs
Do I have to call the insurance company before going to the doctor?
Yes, for most Super Visa and visitor plans. Call the emergency assistance number on the policy before any non-emergency visit. The insurer directs you to a clinic or hospital and can often pay them directly. On one plan we sell, late notice limits payment to 80% of eligible costs, up to $25,000.
What if it's a real emergency?
Call 911 or go straight to the nearest emergency department. Then call the insurer, or have a family member call, as soon as possible. Insurers don't expect a call before life-saving care, but they do expect to hear from you quickly.
What happens if we don't call the insurer first?
The claim may be reduced or refused. On one plan we sell, payment is limited to 80% of eligible costs, up to a maximum of $25,000, when the insurer isn't notified as required. With hospital stays costing thousands of dollars a day, that gap can be large.
Will the insurance company pay the hospital directly?
Often, yes, if you call them. The assistance line can arrange direct billing with the hospital or clinic. If you pay yourself, you submit a claim afterwards to be reimbursed.
What documents do I need for a Super Visa insurance claim?
A signed claim form, the policy number, the passport or proof of travel dates, itemized bills, receipts, the doctor's report or emergency notes, and the ambulance report if one was used. Use the checklist on this page.
Can a claim be refused because of a pre-existing condition?
Yes. The insurer checks medical records from home. If the condition wasn't covered, wasn't stable for the plan's stability period, or wasn't declared, the claim can be refused. That's why the medical questions must be answered accurately at purchase.
Does making a claim affect a refund if my parent goes home early?
Usually yes. Most insurers only refund unused months if no claim was made. Ask us before claiming a small amount if an early return is possible.
Can you help us with a claim?
Yes. If you bought through Insure In Canada, WhatsApp or call us and we'll help you contact the insurer, fill in the form and follow up.
Where These Facts Come From
- IRCC: Super visa insurance requirements
- Ontario.ca: Apply for OHIP (visitors don't qualify)
- Cambridge Memorial Hospital: Fee for service 2026-2027
The 80% / $25,000 late-notice limit comes from one plan we sell as of October 2026; other insurers' rules differ. Last reviewed October 17, 2026 by Pankaj Bhatia, PFA, CHS.
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