IRCC Super Visa information
Super Visa & Visitors Insurance
Travelance Insurance
Underwritten by Old Republic Insurance Company of Canada, Travelance offers two clear Visitors to Canada plans — Essential and Premier — so you only pay for the coverage your family actually needs, backed by a full refund if the Super Visa is refused.
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Coverage Details
Super Visa policies run a fixed 365 days from your start date.
Applicants(1 of 2)
Your Trusted Partner
Travelance: Two Plans Built Around Your Family's Health Profile
Travelance, underwritten by Old Republic Insurance Company of Canada, offers two clear Visitors to Canada options — Essential and Premier — so you're not paying for coverage you don't need. Families can choose the plan that matches their parents' or grandparents' health history, with straightforward deductible discounts and a full refund if the Super Visa is refused.
Why Choose Travelance
Why Choose Travelance for Super Visa Insurance?
Two Plans, One Right Fit
Choose Essential for straightforward, lower-cost coverage or Premier for higher limits and pre-existing condition coverage — pay only for what your family needs.
Full Refund on Visa Refusal
If the Super Visa is denied, Travelance refunds the premium in full with no cancellation fee, once proof of refusal is provided.
Coverage Up to 18 Months
Policies can run from 7 days up to 558 days — longer than the standard 365-day Super Visa term — with an extension option before expiry.
Deductible Discounts up to 45%
Six deductible levels, from $0 to $10,000, let you dial in the premium that fits your budget.
Simple Family Rates
Couples are rated at 2x the eldest applicant's premium — no complicated per-person add-ons.
Coverage Details
What Travelance Insurance Covers
Premier plan limits shown below — the Essential plan covers the same core emergencies at lower benefit limits and a lower premium. See the full plan comparison table below.
Emergency Hospitalization
Semi-private hospital room, in-hospital nursing, physician and surgeon services up to your plan maximum
Ambulance Transport
Ground ambulance and medical transport when medically necessary
Prescription Drugs
Up to $10,000 on Premier (30-day supply); $1,000 on Essential
Emergency Dental
Accidental injury: $5,000 Premier / $2,000 Essential. Pain relief: $600 Premier / $300 Essential
Repatriation of Remains
Up to $16,000 on Premier, $10,000 on Essential
Follow-up Visits
Up to 3 visits — $5,000 combined maximum on Premier, $3,000 on Essential
Paramedical Services
Physiotherapy, chiropractic, and similar services, up to $750 per category on Premier, $300 on Essential
Accidental Death & Dismemberment
Up to $100,000 — included on the Premier plan only
Bedside Visit & Accommodation
Airfare for a family member, plus accommodation and meals up to $5,000 on Premier, $3,000 on Essential
Return of Baggage
If evacuated or repatriated with no room for your baggage, shipping cost covered up to $800 on Premier, $500 on Essential
Worldwide Assistance
24/7 multilingual emergency assistance, anywhere in the world
| Benefit | Essential | Premier |
|---|---|---|
| Medical & Hospital | ||
| Emergency Medical Expenses | Up to plan limit | Up to plan limit |
| Ambulance Transport | Included | Included |
| Prescription Medication | $1,000 | $10,000 |
| Dental | ||
| Accidental Injury | $2,000 | $5,000 |
| Dental Pain Relief | $300 | $600 |
| Repatriation | ||
| Repatriation of Remains | $10,000 | $16,000 |
| Cremation/Burial at Destination | $4,000 | $6,000 |
| Identification of Remains | Airfare + up to $450 | Airfare + up to $450 |
| Follow-up & Paramedical Care | ||
| Follow-up Visits (max 3) | $3,000 | $5,000 |
| Paramedical Services (per category) | $300 | $750 |
| Accidental Death & Dismemberment | ||
| AD&D Benefit | Not covered | Up to $100,000 |
| Travel Companion & Baggage | ||
| Accommodation & Meals (delayed return) | $3,000 | $5,000 |
| Visit to Bedside (accommodation) | $3,000 | $5,000 |
| Incidental Expenses | $500 | $800 |
| Return of Baggage (evacuation shipping) | $500 | $800 |
Figures shown are per-benefit maximums from each plan's Schedule of Benefits. Pre-existing condition coverage is not available on Essential; see the pre-existing condition table above for Premier eligibility by age.
Plan Options
Deductible & Premium Estimates
Six deductible levels are available on both plans — the $1,000 tier carries a bigger discount for applicants under 60 than for older applicants.
| Deductible | Est. Monthly Premium* | Premium Savings | Best For |
|---|---|---|---|
| $0Most Popular | ~$150–$250 | — | Full coverage, no surprise costs at time of claim |
| $250 | ~$135–$225 | ~10% | Small deductible with a modest premium reduction |
| $500 | ~$128–$213 | ~15% | Low out-of-pocket with meaningful premium savings |
| $1,000 | ~$113–$188 | ~20–30%* | Popular choice — discount depends on applicant age |
| $5,000 | ~$105–$175 | ~30% | Budget-friendly with an adequate emergency reserve |
| $10,000 | ~$83–$138 | ~45% | Maximum discount, Travelance's highest available deductible |
*At the $1,000 deductible, Travelance applies a 30% discount for applicants aged 0–59 and a 20% discount for applicants aged 60–85.
Stability Clause
Pre-Existing Condition Coverage
Pre-existing condition coverage is only available on the Premier plan, and the rules change with age. The Essential plan never covers pre-existing conditions, regardless of stability.
Premier Plan — Age 69 & Under — 180 days stability
Stable pre-existing conditions of any type are covered if stable for 180 consecutive days before the policy effective date.
Premier Plan — Ages 70 – 79 — 180 days stability
Stable conditions are covered after 180 days, except cardiac, neurological, and respiratory conditions, which are excluded regardless of stability.
Premier Plan — Ages 80 – 85 — 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 Travelance policy wording for the exact terms, limits, and exclusions that apply to your coverage.
Common Questions
Frequently Asked Questions
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