IRCC Super Visa information
Super Visa & Visitors Insurance
Destination Travel Group
Destination Travel Group's Canada Visitors Plan is underwritten by National Liability & Fire Insurance Company – Canada Branch (trading as Berkshire Hathaway Specialty Insurance), with 24/7 assistance through Global Excel Management Inc. No medical questionnaire is required to apply, and coverage for stable pre-existing conditions is included up to age 79.
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Coverage Details
Super Visa policies run a fixed 365 days from your start date.
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Destination Travel Group: BHSI-Backed Coverage, No Medical Questionnaire
Destination Travel Group's Canada Visitors Plan is underwritten by National Liability & Fire Insurance Company – Canada Branch, trading as Berkshire Hathaway Specialty Insurance (BHSI), part of Berkshire Hathaway's insurance operations, with 24/7 support through Global Excel Management Inc. No medical questionnaire is required to apply, and coverage for stable pre-existing conditions is available up to age 79 — making it a straightforward option for families with a range of health profiles.
Why Choose Destination Travel
Why Choose Destination Travel Group for Super Visa Insurance?
No Medical Questionnaire Required
Apply without filling out a medical questionnaire, regardless of age or pre-existing conditions.
Backed by Berkshire Hathaway Specialty Insurance
Underwritten by National Liability & Fire Insurance Company – Canada Branch (trading as BHSI), with 24/7 assistance through Global Excel Management Inc.
Pre-Existing Condition Coverage to Age 79
Stable pre-existing conditions are covered with an age-based stability period, from 90 to 180 days.
Coverage Up to $300,000
Choose from coverage amounts between $25,000 and $300,000 to match your Super Visa requirements.
Six Deductible Levels
Deductibles from $0 to $10,000 let you dial in the premium that fits your budget.
Coverage Details
What Destination Travel Group Covers
Comprehensive emergency medical coverage for parents and grandparents visiting Canada, with no medical questionnaire required to apply.
Emergency Hospitalization
Semi-private hospital accommodation up to your plan maximum
Physician & Surgeon Services
Physician, surgeon, and anesthetist fees up to your plan maximum
Ambulance Transport
Local, air, or sea ambulance to the nearest hospital when medically necessary
Prescription Drugs
Up to $1,000 per policy for a 30-day supply
Accidental Dental
Up to $3,000 for accidental injury, plus $500 for dental pain relief
Repatriation
Up to $10,000 to return home, or $4,000 for cremation or burial abroad
Follow-up Visits
Up to $3,000 for follow-up care related to the emergency
Private Duty Nursing
Up to $10,000 for medically necessary private nursing care
Accidental Death & Dismemberment
Up to $150,000 for accidents on the ground; a separate Flight Accident benefit covers up to $50,000 while boarding, riding, or leaving a commercial aircraft
Family Visit & Delayed Return
Round-trip transportation for a family member up to $3,000, plus $1,000 for their costs after arrival; if you're hospitalized on your scheduled return date, your own meals and accommodation are covered up to $150/day (max $1,500)
Worldwide Assistance
24/7 emergency assistance through Global Excel Management Inc.
| Benefit | Destination Travel Coverage |
|---|---|
| Medical & Hospital | |
| Emergency Medical Expenses | Up to plan limit |
| Emergency Hospitalization | Up to plan limit |
| Paramedical Practitioner (per category) | $500 |
| Prescription Medication (30-day supply) | $1,000 |
| Private Duty Nursing | $10,000 |
| Dental | |
| Accidental Dental | $3,000 |
| Dental Pain Relief | $500 |
| Transportation & Repatriation | |
| Emergency Transportation with Medical Escort | Up to plan limit |
| Emergency Return Home (no medical escort) | $3,000 |
| Return of Deceased (repatriation) | $10,000 |
| Cremation/Burial Abroad (alternative) | $4,000 |
| Follow-up Care | |
| Follow-up Visits | $3,000 |
| Accidental Death & Dismemberment | |
| AD&D (ground accidents) | Up to $150,000 |
| Flight Accident (commercial aircraft) | Up to $50,000 |
| Family & Companion Support | |
| Transportation of Family or Friend | $3,000 |
| Family Member Costs After Arrival | $1,000 |
| Attendant for Dependent Travelling Companions | $500 |
| Meals & Accommodation (delayed return) | $150/day, max $1,500 |
Figures shown are per-benefit maximums from the Summary of Travel Benefit Limits. AD&D and Flight Accident are separate, mutually exclusive benefits — general AD&D excludes aircraft-related incidents.
Plan Options
Deductible & Premium Estimates
Choose from six deductible levels to balance your monthly premium with your comfort for out-of-pocket costs.
| Deductible | Est. Monthly Premium* | Premium Savings | Best For |
|---|---|---|---|
| $0Most Popular | ~$145–$240 | — | Full coverage, no surprise costs at time of claim |
| $250 | ~$130–$215 | ~10% | Small deductible with a modest premium reduction |
| $500 | ~$120–$200 | ~17% | Low out-of-pocket with meaningful premium savings |
| $1,000 | ~$105–$175 | ~27% | Popular choice — balances cost and coverage well |
| $5,000 | ~$90–$150 | ~38% | Budget-friendly with an adequate emergency reserve |
| $10,000 | ~$75–$125 | ~48% | Lowest monthly premium, high self-coverage capacity |
* Estimates based on a 65-year-old applicant for a 12-month policy. Actual premiums vary by age, health history, and coverage amount.
Stability Clause
Pre-Existing Condition Coverage
Destination Travel Group covers stable pre-existing conditions with no medical questionnaire required — the required stability period scales with age, and coverage is not available for applicants 80 and older.
Ages 0 – 59 — 90 days stability
Pre-existing conditions must be stable for 90 consecutive days before the policy effective date.
Ages 60 – 69 — 120 days stability
Pre-existing conditions must be stable for 120 consecutive days before the policy effective date.
Ages 70 – 79 — 180 days stability
Pre-existing conditions must be stable for 180 consecutive days before the policy effective date.
Ages 80 & Over — No stability
Pre-existing condition coverage is not available at any stability period for applicants 80 and older.
What counts as "stable"
- No new or worsening symptoms
- No new diagnosis or change in existing diagnosis
- No new prescriptions or change in medication dosage
- No hospitalization or referral to a specialist
- No tests ordered or results outstanding
Important Note
Conditions not meeting the stability requirement are excluded. A licensed advisor can help confirm eligibility before you purchase.
Official Documentation
Policy Wording Documents
Read the full, official Destination Travel policy wording for the exact terms, limits, and exclusions that apply to your coverage.
Common Questions
Frequently Asked Questions
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