Should Canada Super Visa Holders Have Baggage Insurance?
What happens if your baggage gets lost on your way to Canada as a super visa holder? Does your travel insurance include lost baggage?
Well, that depends. Many travel insurance providers offer baggage insurance as either a standard inclusion or an optional add-on to their travel insurance plans. You’ll need to check your travel insurance policy and ask your travel insurance provider about it.
Western Financial Group, a 100% Canadian company, can help you navigate your car, tenant, and travel insurance as a Canada super visa holder.
Did you know? TuGo is Western Financial Group's trusted travel insurance provider. Did you know? TuGo offers emergency medical insurance for Canada super visa applicants.
Here’s your guide to baggage loss coverage in your travel insurance as a newcomer on a super visa
Is baggage loss coverage in travel insurance?
Baggage loss coverage is commonly included in travel insurance but sometimes it can be an optional extra, depending on the travel insurer and the insurance product that you’re buying.
Remember to check the exact coverage and its limit in your travel insurance policy to make sure your luggage is protected.
What does baggage loss insurance cover?
Baggage loss insurance generally covers loss, theft, or damage of your baggage and personal belongings during your trip as a Canada super visa holder. This usually includes compensation up to a specific limit, usually around $1,500 CAD per insured person, per trip.
How is delayed bagged covered?
Delayed baggage coverage reimburses you for necessary, essential items such as toiletries and clothing if your baggage is delayed for a specified time, usually 10 to 12 hours or one to two days, depending on your policy. Typical coverage for delayed baggage reimbursement can be up to $500 CAD.
Note that coverage amounts, limits, and specific exclusions can vary by travel insurer and policy. Read your policy and check the details.
What if my luggage is stolen?
You’ve arrived in Canada as a super visa holder and your luggage has been stolen. Oh no!
If your luggage has been stolen, baggage insurance typically reimburses you for the actual cash value of your lost items (depreciated value), up to the coverage limits specified in your policy, and not the purchase price.
Here’s the basic process:
- Report the theft immediately to police/local authorities and get a police report or theft report. Also, notify the hotel, airline, or other relevant parties.
- File a claim with your travel insurer right away, providing the police report, receipts, or proof of ownership for the lost items if available, and any other supporting documents.
Typical coverage limits can range from about $500 to $1,500 CAD per person per trip depending on your policy. You are required to prove that you took reasonable steps to protect your luggage and belongings. Note that insurance does not cover items excluded by the policy, such as cash, fragile or high-value items not declared, or losses due to negligence.
Can you buy extra baggage coverage in travel insurance?
Yes, you can usually buy extra baggage coverage as part of travel insurance. Some travel insurance providers allow you to increase your baggage coverage limits or include additional personal belongings, certain valuable items, through an add-on policy. Check the details with your travel insurance provider.
What about getting trip cancellation and trip interruption travel coverage as a Canada super visa holder?
Trip cancellation and trip interruption insurance are usually purchased together as part of a travel insurance package.
These two coverages are usually combined because they protect you at different stages of your trip: before and after travel as a Canada super visa holder.
Trip cancellation covers prepaid, non-refundable costs if you need to cancel before departure due to covered reasons, such as a medical emergency, in your policy. Trip interruption covers similar costs and additional expenses if you must cut your trip short or extend it after departure due to a covered event, illness, or family emergency, in your travel insurance policy.
What are covered events in travel insurance?
Covered events, also called covered reasons, typically include unforeseen and uncontrollable circumstances that force you to cancel or cut short your trip.
Some examples:
- Medical events: Sudden and unexpected illness, injury, or medical conditions affecting you, your travel companions, or close family members.
- Death of the insured, a travel companion, or a family member
- Hospitalization emergencies
- Quarantine or mandatory government-ordered isolation
- Serious emergencies at home such as significant property damage requiring your presence
- Natural disasters
- Severe weather that causes travel delays or cancellations.
- Hijacking
- Mechanical failure involving airlines or trains, causing missed connections or delays
- Bankruptcy or default of travel supplier or tour operator
- Jury duty or subpoena requiring your presence.
You’ll need to protect yourself and your belongings in Canada. Here are the advantages of insuring with Western Financial Group as a super visa holder
- Western is a national insurance broker partnering with Canada’s leading insurance companies to get your car, tenant, and travel insurance and help you save money.
- Western can get you multiple insurance quotes for you to choose from to meet your coverage needs.
- Western can help you customize your insurance needs.
- Western will help you bundle your car and tenant insurance to save.
- Western puts you, the customer, first.
- Western has been in the insurance business for over 100 years!
- We are 100% Canadian and we know the Canadian market.
How to reach us
You can reach a Western home insurance expert by phone, text, or email. Fill out our form and get a quote for your car insurance needs (and all your insurance needs) as a Canada super visa holder.
Speak to one of our insurance experts now: 1-866-860-1958.
What you need to know about Canada’s super visa
Who is eligible for the super visa?
The Canada super visa is available to parents and grandparents of Canadian citizens and permanent residents. The key requirement is that the applicant has a child or grandchild who is a Canadian citizen, permanent resident, or registered Indian living in Canada. There are no geographical restrictions.
Who can come and how long can you stay on the super visa?
- There is no specific list of eligible countries for the Canada super visa.
- It allows newcomers to stay in Canada for up to 5 years per visit, with the possibility of extending their stay for another 2 years while in Canada.
Do Canada super visa holders need medical insurance? Yes, absolutely.
Immigration, Refugees and Citizenship Canada (IRCC) mandates proof of private medical insurance from a Canadian insurer to obtain a super visa. This medical coverage must be valid for at least one year from the date of entry, provide a minimum of $100,000 in emergency health coverage, and cover health care, hospitalization, and repatriation.
If a super visa holder plans to stay for multiple years, up to a maximum of five years, they must renew or extend their private medical insurance before the initial policy expires to maintain the required coverage throughout their stay in Canada.
Where do most of Canada’s new citizens come from in 2025?
Most newcomers to Canada in 2025 are coming from countries in Asia and Africa, with India remaining the top source, followed by the Philippines and China (People’s Republic of China). Other significant source countries include Nigeria, Cameroon, Pakistan, Iran, Afghanistan, Eritrea, and the United States.
In conclusion
Baggage insurance financially protects Canada super visa holders if their luggage is lost or stolen. Can you afford to lose your luggage and not be covered?
5 FAQs
Is baggage insurance included automatically in travel insurance, or do I need to buy it separately?
Baggage insurance is usually automatically in standard travel insurance plans, but some basic plans may require you to purchase it as an optional add-on for fuller coverage. Standalone baggage insurance policies for higher limits are also available.
Can I buy extra baggage insurance to increase coverage for valuable items?
Yes, many insurers offer additional baggage insurance coverage as an add-on to your travel insurance. This allows you to increase limits or protect expensive belongings like electronics, jewelry, and designer items in your luggage.
Are there coverage limits and exclusions?
Yes, baggage insurance policies have maximum coverage limits, usually around $1,000 to $1,500 CAD per person or per trip) and per-item limits. Typical exclusions include unattended luggage losses, cash, fragile or high-value items without additional coverage, and losses due to negligence.
What items are most often excluded from baggage insurance coverage?
Here are some examples of what is excluded:
- Animals and pets
- Illegal contraband
- Items seized by government or customs officials
- Money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps, or credit cards (except certain conditions for credit card fraud)
Why do baggage delay benefits usually have a cap?
Baggage delay benefits usually have a daily cap because they are designed to reimburse you for reasonable and necessary essential items that you need to purchase while your baggage is delayed, which typically covers a short period (often 1-2 days) until your bags arrive.
