IRCC requires a minimum of CAD $100,000 in emergency medical coverage per person. At Danforth Insurance, we offer plans starting from $100,000 up to $1 million, so you can choose coverage above the minimum for extra peace of mind.

Your policy must be valid for at least one full year (365 days) from your date of entry into Canada, with no gaps in coverage during your stay. If your parent or grandparent’s visit extends beyond a year, the policy needs to be renewed before it expires.

The policy must cover emergency health care, hospitalization, and repatriation. Danforth Insurance plans meet these requirements and can include add-ons like coverage for stable pre-existing conditions.

Since June 2022, IRCC has allowed super visa insurance from approved foreign insurers, as long as the insurer is authorized by the Office of the Superintendent of Financial Institutions (OSFI). That said, most applicants still choose a Canadian-licensed insurer to avoid any risk of the policy being questioned. All the plans we offer at Danforth Insurance meet IRCC’s insurer eligibility rules.

Yes, in many cases. Coverage for stable pre-existing conditions is available, typically once the condition has been stable for a defined period (commonly 90–180 days, depending on the insurer). Danforth Insurance offers plans specifically designed for seniors with pre-existing conditions — this is one of the most common questions we get from families applying for a parent or grandparent’s super visa. 

Cost depends on the applicant’s age, health history, coverage amount, and deductible chosen. As a general guide, older applicants and those without a deductible option will pay more. Danforth Insurance offers a flexible monthly payment option and multiple deductible levels to help lower the premium. Please click here to take super visa insurance quote.

IRCC requires proof that the premium has been paid — either in full, or through a monthly payment plan with an initial deposit. A quote alone is not accepted. Danforth Insurance offers monthly payment plans (typically a two-month premium deposit plus a small fee) so you don’t have to pay the full annual premium upfront. 

At Danforth Insurance, if the visa is not granted for any reason before your policy’s effective date, you’ll receive a 100% refund. 

Your policy documents need to show the applicant’s full name matching the visa application, the effective and expiry dates, the coverage amount ($100,000 minimum), confirmation that the premium is paid, and the insurance company’s name and contact information. Danforth Insurance provides all of this documentation immediately after purchase, ready to submit with your application.

Yes, we are a licensed Canadian travel agency who is authorized to sell medical insurance for super visa, visitors to Canada, international students, work visa and travel insurance for Canadians travelling out of province or abroad. 

Yes, you can certainly purchase travel insurance online on our website in the following few steps. After completing purchase policy document will be emailed to you instantly.

Super visa – It is mandatory to obtain a medical insurance of at least $100,000 for one year (365 days) if you are planning to visit Canada on super visa.

Visitors to Canada – It is highly recommended for visitors to Canada  to obtain medical insurance when planning a trip to Canada on a temporary visa, student visa or work visa, etc. A single overnight stay in a hospital can cost more than $5000 therefore it is better to protect yourself from unforseen expenses in case of emergency medical situations.

New Immigrants/ Returning Canadians – It is highly recommended to obtain medical insurance until they get coverage under Government Healthcare such as OHIP.

We understand that the cost of medical insurance can be significant. Our website offers a variety of Visitor to Canada insurance plans with options available for monthly payments. Monthly payment option is offered for coverage of $50,000 or more when purchased for a minimum period of three months. When you take quote on our website you will be presented with several plans. On the top right corner you can click on “Show Monthly Plans Only” to display plans that have monthly payment options available for you.

Yes, we can change insurance start date on your request. This change is free of cost and insurance start date can be changed up to two years ahead of original insurance start date. You need to contact us at 647-350-0332 or email at info@danforthinsurance.com to make the changes to insurance start date.

We do provide partial refund in case of early return from Canada minus administrative fee provided there is no claim on the insurance. We also have some insurance plans available that allow refund on early return even with the claims. Call us at 647-350-0332 to discuss partial refund options.

We have several coverage options available ranging from $10,000 to $1 million. You can choose coverage options on your quote to get prices for each coverage.

Deductible is the amount you must pay out-of-your pocket before your insurance covers medical expenses in the event of an emergency. On your quote display you can choose various deductibles to reduce insurance premium.

We have visitor to Canada insurance plans available for all ages with or with pre-existing medical conditions.