Should Canada Visa Super Holders Have Trip Cancellation Insurance?

Yes, it’s recommended that Canada super visa holders have trip cancellation insurance. Trip cancellation insurance is a type of travel insurance that reimburses you for prepaid, non-refundable travel expenses if you need to cancel your trip before departure for unforeseen events such as sickness, severe weather, or travel delays.
Trip cancellation insurance covers the reimbursement of a prepaid, non-refundable trip cost if you need to cancel your trip before departure to Canada due to a specific, predefined circumstance or event that is listed in your travel insurance policy.
Western Financial Group, a 100% Canadian company, can help you navigate your car, home, condo insurance, tenant, and travel insurance as a Canada super visa holder.
Did you know? TuGo is Western Financial Group's trusted travel insurance provider. TuGo offers emergency medical insurance for Canada super visa applicants.
Here’s your guide to trip cancellation insurance as a newcomer on a super visa
What is trip cancellation insurance?
Trip cancellation insurance is a type of travel insurance that reimburses you for prepaid, non-refundable travel expenses if you need to cancel your trip before departure due to a covered reason, such as illness, injury, death, severe weather, family emergencies, or other unexpected events specified in the policy.
What does trip cancellation reimburse?
Trip cancellation insurance covers the reimbursement of prepaid, non-refundable trip costs if you need to cancel your trip before departure due to a covered reason. Prepaid trip costs typically include:
- Flights
- Car rentals
- Hotels and accommodations
- Cruises and tours
- Event tickets
- Other prepaid travel arrangements and deposits
Trip cancellation insurance typically reimburses up to 100% of these non-refundable prepaid expenses, limited by the policy's maximum coverage and subject to the covered reasons for cancellation, such as sickness, injury, death in the family, etc., or other unforeseen events specified in the policy.
Did you know? Trip cancellation insurance is often bundled with trip interruption insurance, which covers costs if you have to cut your trip short or change plans after departure as a Canada super visa holder. To purchase trip cancellation and trip interruption insurance, you would do this before your arrival.
Why is trip cancellation insurance recommended for Canada super visa holders?
Trip cancellation insurance protects your financial investment in your trip to Canada. It can cover up to 100% of your prepaid, non-refundable trip costs in case of cancellation for specified or “covered” reasons in your policy.
What’s a covered reason?
In insurance terms, a "covered reason" refers to specific, predefined circumstances or events listed in a travel insurance policy that qualify the policyholder to make a claim for trip cancellation or interruption.
Covered reasons can include:
- Death
- Illness
- Injury
- Legal reasons such as jury duty
- Severe weather
- Travel delays
If you cancel your trip due to one of these covered reasons, the insurer will reimburse eligible expenses up to your policy's coverage limits.
What’s the cancel-for-any-reason option?
Some travel insurance policies offer an optional upgrade called Cancel For Any Reason (CFAR) that allows you to cancel your trip for almost any reason and still get partial reimbursement, usually up to 50-75% of the prepaid costs, with some conditions.
You’ll need to protect yourself and your belongings in Canada. Advantages of insuring with Western Financial Group as a super visa holder
- Western can get you multiple insurance quotes for you to choose from to meet your coverage needs and save money.
- You can bundle your car and tenant insurance.
- Western can help you customize your insurance needs.
- 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 geographic 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.
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 are most of Canada’s new citizens 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.
To sum it all up
Trip cancellation insurance financially protects Canada super visa holders against losing their prepaid travel expenses, such as their flights, if unforeseen, covered events force them to cancel their trip before it begins.
5 FAQs
When should you buy travel insurance?
Yes, as soon as possible after booking your trip, typically within 14-21 days, to get full benefits like cancel for any reason (CFAR) coverage. Some travel insurance policies offer CFAR coverage, which allows you to cancel your trip for almost any reason and still get partial reimbursement.
How much does travel insurance cost?
Travel insurance costs typically range between 5 to 10% of total trip cost for standard plans. The cost is higher if cancellation for any reason (CFAR) is included and can be higher based on age and trip length.
Does travel insurance cover pre-existing medical conditions?
Usually it does not, unless you purchase a plan that specifically covers stable pre-existing conditions or meets certain criteria.
Can you be too old to get travel insurance?
Some insurers have age caps, usually around 80 or 85 years old, and you may not be eligible for certain plans or coverage durations may be limited. For seniors 60 years and older, you typically need to complete a medical questionnaire to assess health and eligibility, and premiums may be higher due to increased risk.
How does travel medical insurance work?
It covers emergency medical treatment abroad but you often will need to pay first and then submit a claim with receipts to get reimbursed.