Canada Visitor Emergency Medical Insurance: A Complete Guide for Travelers in 2025
March 23, 2025
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Whether you’re visiting Canada to explore its breathtaking landscapes, attend a family
Imagine this: A Toronto-based family spent months preparing their grandmother’s Super Visa application. They purchased insurance, submitted documents, and waited—only to receive a rejection letter. Why? A single typo in the policy reduced their $100,000 coverage $50,000. The result? A denied visa, lost time, and now an additional re application fee.
This story underscores how easily insurance-related errors derail Super Visa applications. With Canada’s new 2025 rules allowing international insurers, the stakes are higher than ever. Let’s break down the top 5 mistakes and how to avoid them.
Why It’s a Problem:
As of January 2025, all Super Visa insurance policies—whether Canadian or international—must provide minimum coverage of $100,000 for healthcare, hospitalization, and repatriation. Policies with lower limits are automatically rejected, even if the error is accidental (like a typo).
How to Fix It:
Triple-check policy documents for coverage amounts.
Use tools like TravelPolicy.ca to compare plans side-by-side and filter by $100k+ coverage.
Why It’s a Problem:
Repatriation—covering the cost of returning a visitor to their home country in emergencies—is mandatory. Policies lacking this clause fail IRCC’s requirements, leading to instant rejection.
How to Fix It:
Ask providers directly: “Does this policy include emergency repatriation?”
Review sample policy wording from OSFI-approved insurers like Travelance or Destination.
Consult a Canada-based broker like Priya Mann (416-455-4040 | www.priyamann.com) to verify compliance.
Why It’s a Problem:
While international insurers are now allowed, they must meet strict criteria:
OSFI authorization to sell accident/sickness insurance in Canada.
Listed on OSFI’s registry of federally regulated institutions.
Policies issued under their Canadian operations.
Many applicants mistakenly buy from unapproved brokers or foreign providers not on OSFI’s list, resulting in rejection.
How to Fix It:
Verify insurers on OSFI’s official list (updated weekly).
Why It’s a Problem:
Super Visa insurance must be valid for at least one year from the entry date. Gaps or shorter terms—even by a day—trigger rejections.
How to Fix It:
Set calendar reminders for renewal 30 days before expiration.
Choose insurers offering auto-renewal or installment plans.
Confirm $100k coverage + repatriation clause.
Verify insurer on OSFI’s list.
Ensure 1-year validity with no gaps.
Review documents with a broker like Priya Mann.
Double-check sponsor’s LICO income meets requirements
For personalized advice, contact:
Priya Mann, Certified Insurance Broker
📞 416-455-4040 | 🌐 www.priyamann.com
The Super Visa program, coupled with comprehensive insurance from providers like Travelpolicy.ca, is making it easier for families to reunite in Canada. By offering affordable and flexible insurance options, Travelpolicy.ca is helping to remove barriers and create more opportunities for meaningful family time.
Whether you’re visiting Canada to explore its breathtaking landscapes, attend a family
Imagine this: A Toronto-based family spent months preparing their grandmother’s Super Visa
Understanding the Canadian Super Visa 1.1. What is a Super Visa? The
This information provided by TravelPolicy.ca on this website is for informational purposes only.
It does not constitute an offer to enter into an insurance contract, nor does it bind the company to offer insurance at any specific rate or to any particular group or individual. The details presented here are a summary and do not alter or override the terms outlined in the official policy documents, including the policy, certificate of insurance, and related governing documents, collectively referred to as the ‘Insurance Contract.’
Rates and benefits outlined are governed solely by the terms of the Insurance Contract and may be subject to exclusions and limitations.
