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Refunds and cancellations · Updated October 2026

Super Visa insurance refunds: what you get back if the visa is refused or your parents go home early

Almost every plan refunds a refused visa. The fees, the paperwork and the no-claim rule are where plans differ.

Families buy Super Visa insurance before IRCC decides the application, so the first refund question comes early: what if the visa is refused? The second comes later, when a parent decides to fly home after seven or eight months. Both have answers in the policy wording, and they are not the same from one insurer to the next.

By Pankaj Bhatia, CHS, PFA Updated
Find your refund rule Rules by insurer

In short

If the Super Visa is refused, most insurers refund the premium in full when the refusal letter reaches them before the policy start date. Cancel a visa policy without a refusal letter and fees of $150 to $250 apply on several plans. If your parent goes home early, unused premium is refunded only if there was no claim, less an admin fee of about $25 to $50, with proof of departure sent within 60 or 90 days. Within 10 days of buying, most plans give a full refund if coverage has not started. Monthly setup fees are usually kept once the visa is issued.

The four refund situations

Each one has its own paperwork and its own fees.

Visa refused

Send the IRCC refusal letter before the start date. Usually a full refund; a few plans keep a fee.

Going home early

Unused premium back, less a fee, if there was no claim. Proof of departure needed.

Plans changed

Cancelled before the start date without a refusal letter: fees of $150 to $250 on several plans.

Changed your mind

Within 10 days of buying, a full refund on most plans if coverage has not started.

If the Super Visa is refused

IRCC asks for proof of a paid policy with the application, and a quote is not accepted. So you pay first and wait for the decision. If the answer is no, the premium comes back on almost every plan.

Send the refusal letter quickly. Most insurers want it before the policy's effective date. Travel Shield also asks for it within 60 days of the refusal. GMS is one of the few that refunds after the effective date, as long as your parent never travelled to Canada, minus an admin fee.

Ask about the monthly setup fee. RIMI and 2 Visit Canada refund their $120 setup fee if the visa is refused and the letter arrives before the effective date. Travel Shield refunds its two-month deposit but keeps the $50 processing fee. AwayCare charges $100 plus tax on a refused-visa cancellation.

Moving the start date is often better than cancelling. If IRCC is slow and the visa may still be approved, ask your broker to move the effective date before it arrives. On some plans, including Destination, changes cannot be made once coverage has started.

Fees without a refusal letter

Destination
$150 on a one-year visa policy
TuGo
$250 before travel
TruStone
$250 before arrival
MSH Discover
$250
Travel Shield
$250 before departure; monthly not cancellable
AwayCare
$100 plus tax
From each insurer's page on this site, October 2026.

If your parents go home early

A Super Visa allows a stay of up to 5 years, but many parents go home after a few months. The unused part of the premium can come back, with three conditions.

  1. No claim on the policyNearly every wording refuses a refund once a claim has been made, paid or is pending. Manulife also refuses if the assistance service was used.
  2. Proof of the return dateA boarding pass, e-ticket or passport stamp. The refund runs from the day your parent left Canada, or from the day the insurer gets the request on some monthly plans.
  3. On timeWithin 60 days of returning on Travel Shield; in writing within 60 days on RIMI and TravCare; within 90 days after the policy expires on JF, TuGo and Destination. GMS refuses requests made after the policy expires.

For example, suppose a father's one-year Destination policy cost $2,400 and he flies home after seven months with no claims. About five months, roughly $1,000, is unused; Destination deducts its $25 admin fee from the refund. The insurer does the exact calculation by days.

Unused months on a monthly plan

On a monthly plan you pay a deposit and a setup fee up front, then monthly charges. When your parent goes home early, the charges stop, but not everything comes back. JF keeps its first two months once coverage has started and refunds only full unused months. Travel Shield refunds unused months less $50 and counts a part month as used. Since December 1, 2025, Destination pro-rates monthly plans from the date it receives the request, so ask on the day your parent leaves. Setup fees of $50 to $120 are usually not refunded once the visa is issued. More detail is on our page on Super Visa monthly payment plans.

Refund rule finder

Pick the insurer and what happened. You'll see the rule from that insurer's page on this site.

A summary, not a refund decision. The policy wording and the insurer decide.

Super Visa insurance refund rules by insurer

Only rules stated on the insurer pages of this site, which are built from the policy wordings. "See the policy wording" means we have not confirmed that rule.

InsurerVisa refusedGoing home earlyOther fees and limits
Secure Travel (RIMI)Full refund, including the $120 monthly setup fee, if the refusal letter reaches the insurer before the effective datePartial refund of unused premium, less a $50 fee10-day cooling-off, full refund. Setup fee kept once the visa is approved. $50 fee if a visitor-visa policy is cancelled after the visa is issued. Written request within 60 days
2 Visit CanadaSetup fee refunded if the refusal letter reaches the insurer before the effective dateSee the policy wordingSetup fee not refunded once the visa is issued
MSH Discover CanadaFull refund with proof; otherwise a $250 cancellation feeProrated refund less a $25 fee (also when provincial coverage starts)Full refund before the effective date. No refund after a claim is paid or pending. No refund under $20
JF Visitor to CanadaFull refund with proof, before the effective dateUnused premium less a $40 fee, if no claimsMonthly plans keep the $80 fee; first two months non-refundable once coverage starts; unused full months only. No refund under $20; ask in writing within 90 days after expiry
TuGoFull refund if the visa is refused or entry to Canada is deniedPartial refund once travel has taken place, if no claim$250 fee to cancel before travel for any other reason. 10-day review. Ask within 90 days after expiry
Destination: CanadaRefund before the effective date with the refusal letter; $150 fee on a one-year visa policy without itRefund with proof such as a boarding pass, less a $25 fee; minimum refund $2510-day review. No refund if a claim was made, paid or pending. Monthly plans pro-rated from the date the request is received. Ask within 90 days after expiry
TruStone HealthPartial refund if no claims; $250 fee to cancel before arrival without an official refusal letterPartial refund if no claims; $50 fee to cancel after arrival10-day free look. No refund under $20, or after a claim unless it is withdrawn ($200 fee)
AllianzSee the policy wordingPartial refund may be considered after early return or government-plan eligibility10-day full refund if travel has not begun and no claim. No refund after a claim. A refund fee and minimum premium may apply
ManulifeSee the policy wordingUnused days refunded if no claim and no assistance service used10-day free look if the trip has not started and no claim is in progress
GMSFull refund after the effective date if your parent never travelled, minus an admin fee, with the refusal letterPartial refund from the date of leaving Canada, minus an admin fee, with proof10-day review. No refund after a claim or after the policy expires
TravelanceFull refund if the visa is denied, under the policy conditionsPro-rated refund10-day right to examine the policy
TravCareFull refund before the effective date, less any feePro-rated, if no claimAsk in writing within 60 days. No refund under $20. Days in the home country not refunded
Travel ShieldFull refund with the refusal letter, within 60 days of refusal and before the effective date; monthly: deposit refunded, $50 fee keptUnused days less $50, within 60 days of returning; monthly: unused months less $50Refund less $250 if cancelled before departure for another reason. No refund after a claim. Under $20 not paid
AwayCare TrueNorth$100 fee plus tax, with proof of refusal$50 fee (Standard, Enhanced) or $25 (Gold, Platinum), plus tax, if no claim10-day full refund if no travel. Minimum refund $20. No refund after a paid claim

Buy online from leading insurers

Press Buy online to go to the insurer's secure page, or compare them all in one quote first.

Questions about Super Visa insurance refunds

Do I get my money back if the Super Visa is refused?

Yes, with nearly every insurer, if you send the IRCC refusal letter before the policy's start date.

Some plans keep a fee even then: AwayCare charges $100 plus tax, and Travel Shield keeps its $50 monthly processing fee. GMS also refunds after the start date if your parent never travelled, minus an admin fee.

What if we cancel before the start date but the visa was not refused?

Expect a fee: $150 on Destination's one-year visa policies, $250 on TuGo, TruStone, MSH Discover Canada and Travel Shield.

Insurers charge this because a Super Visa policy is proof for IRCC. Destination says it may report cancelled visa policies to IRCC.

My mother is going home after 8 months. Can we get a refund?

Usually yes, for the unused period, if there has been no claim, less an admin fee of about $25 to $50.

Send proof of departure, such as the boarding pass or passport stamp, within the insurer's deadline: 60 days after returning on Travel Shield, 90 days after expiry on JF, TuGo and Destination.

Why can't we get a refund after a claim?

Most wordings say no refund is payable once a claim has been paid, is pending, or has been made, even a small one.

TruStone lets you withdraw a claim to get a refund, but charges $200. Weigh a small clinic bill against the refund before you claim.

How do refunds work on a monthly plan?

The monthly charges stop, and unused months may be refunded, but setup fees and some deposits are kept.

JF keeps the first two months once coverage starts and refunds unused full months only. Travel Shield counts part months as used. Destination pro-rates monthly plans from the day it receives the request.

Is there a cooling-off period?

Yes. Most plans give a full refund within 10 days of purchase if coverage has not started and there is no claim.

RIMI, TruStone, TuGo, Destination, Allianz, Manulife, GMS, Travelance and AwayCare all have a 10-day review period.

Is there a minimum refund?

Yes. Several insurers do not pay refunds under $20, and Destination's minimum refund is $25.

TuGo also has a minimum premium that becomes non-refundable once travel has taken place.

How do I ask for a refund?

In writing, through your broker or the insurer, with the policy number, the reason, and proof: the refusal letter, a boarding pass or passport stamp, or proof of provincial coverage.

Pankaj sends refund requests for his clients and follows them up. Call or WhatsApp 647-640-2222.

Pankaj Bhatia, CHS, PFA

Written by Pankaj Bhatia, CHS, PFA

Insure In Canada Inc. · Licensed in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia

Pankaj has arranged Super Visa insurance for 11 years. When a visa is refused or a parent flies home early, he sends the refund request to the insurer for his clients and follows it up.

Call 647-640-2222 · WhatsApp · About Pankaj

Sources and related pages

Refund rules, fees and deadlines are set by each policy wording and can change. This table summarizes the insurer pages on this site as reviewed in October 2026; the wording on your policy confirmation governs. Not immigration or legal advice.