By Bahadur Singh, Licensed Insurance Broker | OM Financial, Mississauga
When your parents or grandparents are finally coming to Canada on a Super Visa, you want the best coverage for them — not just any policy that meets the bare minimum. Travelance super visa insurance has been a quiet powerhouse in the Canadian visitor insurance market since 2013. They keep things simple, focused, and genuinely competitive. I, Bahadur Singh, licensed insurance broker, have sold Travelance policies to many South Asian families across Mississauga and Brampton. Let me walk you through everything you need to know before you buy a super visa insurance plan.
Table of Contents
What Is Travelance Super Visa Insurance?
Travelance is a Canadian-owned insurance provider that focuses exclusively on visitors to Canada coverage — super visa insurance, visitor insurance, student insurance, and outbound travel. Their laser focus on this niche means the product is well thought out. Both their plans meet all IRCC super visa requirements:
| Requirement | Details |
|---|---|
| Minimum coverage amount | $100,000 CAD |
| Issued by | A Canadian insurance company |
| Minimum validity | 1 full year (365 days) from date of entry |
| Coverage must include | Emergency healthcare, hospitalization, repatriation |
| Payment options | Annual or monthly installments |
| Plan type | Must be a policy, not just a quote |
Travelance ticks every box. Their policies are accepted by all Canadian visa application centres.
Travelance Super Visa Insurance Plans: Essential vs Premier
Travelance keeps it refreshingly simple — two plans, two clear purposes. No confusing alphabet soup of options.
Essential Plan
This plan is best for healthy visitors with no pre-existing health conditions. It meets the IRCC minimum, covers emergency medical care, hospitalization, repatriation, and gets your super visa application approved. If your parents are in good health, this is the most cost-effective route.
Premier Plan
This is where Travelance stands out from the crowd. The Premier plan covers stable pre-existing medical conditions and includes meaningful added benefits that most competitors charge extra for — paramedical services like physiotherapy and chiropractic, higher prescription drug limits ($10,000 vs $1,000 in Essential), a hospital allowance of $250 per night, and even a deductible waiver of $1,000 if the insured is hospitalized for 72 consecutive hours or more. If your parents have ongoing health conditions, this is the plan to choose.
Available Coverage Amounts
Coverage is available from $25,000 to $150,000. For super visa, minimum $100,000 is required. For applicants aged 70 to 86, coverage is capped at $100,000. For most super visa applications, $100,000 meets the IRCC requirement perfectly.
Travelance Super Visa Insurance Cost
Travelance premiums are competitive across the board, especially for the 50 to 70 age group. Here is an estimated monthly cost breakdown based on age and plan type at $100,000 coverage with no deductible:
| Age | Essential Plan (No Pre-Ex) | Premier Plan (With Pre-Ex) |
|---|---|---|
| Under 40 | $80 – $100 | $100 – $130 |
| 40–49 | $100 – $130 | $130 – $165 |
| 50–59 | $130 – $170 | $165 – $215 |
| 60–69 | $170 – $220 | $215 – $280 |
| 70–74 | $220 – $290 | $280 – $360 |
| 75–79 | $290 – $380 | $360 – $480 |
| 80–86 | $380 – $490 | Contact for quote |
All prices are in Canadian dollars. Final premiums depend on age, health status, deductible selected, and coverage amount. Call Bahadur Singh at 4372388119 for a real-time quote.
How to Reduce Travelance Super Visa Insurance Cost
Add a Deductible
Travelance offers deductibles ranging from $0 to $10,000. Adding a deductible significantly reduces your monthly or annual premium. Here is a rough idea of savings:
| Deductible | Premium Reduction (approx.) |
|---|---|
| $0 | Base price (no reduction) |
| $250 | ~5% lower |
| $500 | ~10% lower |
| $1,000 | ~15% lower |
| $3,000 | ~25–30% lower |
| $5,000–$10,000 | ~35–45% lower |
One important perk with Travelance Premier plan: if your insured parent is hospitalized for 72 or more consecutive hours, the first $1,000 of any deductible is automatically waived. That is a meaningful safety net.
Choose the Right Plan
If your parents have no health issues, going with the Essential plan saves money. But never fudge this. At claim time, if an insurer finds an undisclosed condition, your claim can be denied entirely. When in doubt, go with Premier — the extra cost is far less than an unpaid hospital bill.
Payment Options
- Annual (lump sum): Pay the full year upfront for a slightly lower total cost.
- Monthly installments: Available for policies over 90 days. Travelance collects two months’ premium upfront as a refundable security deposit, then charges monthly. The deposit is applied to the last two scheduled payments.
Broker Tip: Monthly payment makes things affordable upfront, but be careful — miss two consecutive monthly payments and your coverage ends automatically. Set up auto-pay from day one. Call me, Bahadur Singh, at 4372388119 and I will walk you through the easiest setup.
Pre-Existing Conditions — Important Details
What Is a Pre-Existing Condition?
Any health condition, diagnosed or undiagnosed, that existed before the policy’s effective date counts as a pre-existing condition. Common examples include:
- High blood pressure
- Diabetes
- Arthritis
- Heart disease or history of heart attack
- Asthma or COPD
- High cholesterol
- Past surgeries or ongoing treatments
Travelance Essential plan does NOT cover any pre-existing conditions. Travelance Premier plan covers stable pre-existing conditions subject to a 180-day stability period for all ages.
What does “stable” mean? During the 180 days before the policy effective date, the condition must have had no new symptoms, no new diagnosis, no change in medication (including dosage), no hospitalization, no specialist referral, and no pending test results.
Important note for applicants 70 and over: Travelance requires a detailed medical questionnaire. Answer it honestly and completely. Insurers share data with medical databases, and any misrepresentation voids your policy.
There is also a two-condition rule worth knowing: if your parent was diagnosed or treated for more than two conditions from Travelance’s specific flagged list in the 12 months before purchase, Premier coverage for those conditions may be restricted. This is exactly where calling a licensed advisor like me makes all the difference — I will review the health history before you buy.
Who Is Eligible for Travelance Super Visa Insurance?
To qualify, the applicant must meet the following conditions:
✅ Age between 14 days old and 86 years old during the entire coverage period
✅ Must not be eligible for any Canadian provincial health insurance plan
✅ Not travelling to Canada against doctor’s advice
✅ Not diagnosed with a terminal illness
✅ Purpose of visit is not for medical treatment
✅ Able to perform daily living activities independently
✅ Visiting as a tourist, super visa applicant, or student — not on PR or work permit
Travelance also covers side trips during your policy. The visit outside Canada must begin and end in Canada, must not exceed 45 days per trip, and your accumulated stay in Canada must be over 50% of your total coverage days. Side trips to your home country are not covered for medical expenses.
Waiting Periods — What You Need to Know
| When Purchased | Waiting Period for Sickness | Waiting Period for Injuries |
|---|---|---|
| Before arriving in Canada | No waiting period | No waiting period |
| Within 30 days of arrival | 48-hour waiting period | 24-hour waiting period |
| More than 30 days after arrival | 7-day waiting period | 24-hour waiting period |
Buy the policy before your parents board the plane. The premium is the same regardless of when you buy, so there is zero reason to delay and expose your family to an uninsured period. If you are renewing a Travelance policy with no gap in coverage, the waiting period is waived.
Travelance Super Visa Insurance Exclusions
- Pre-existing conditions not covered under Essential plan
- Non-emergency, elective or cosmetic treatments
- Pregnancy, childbirth, and newborn care under 15 days
- Alcohol or drug-related injuries and illnesses
- Self-inflicted injuries
- High-risk sports and extreme activities
- Travel to war zones, conflict areas, or against travel advisories
- Medical treatment being sought as the primary reason for travel
- Terminal illness or certain cancer diagnoses
- Expenses in home country during side trips
Read the policy wording carefully. The exclusions section is the most important part of any insurance contract.
How to Buy Travelance Super Visa Insurance
The easiest way is to call or WhatsApp Bahadur Singh at 4372388119. I will review your parents’ health history, recommend the right plan, handle the purchase for you — at zero extra cost. Or use the direct link below to buy online:
Get Your Travelance Super Visa Insurance Quote →
- Enter applicant’s date of birth and your email address.
- Answer the pre-existing conditions question honestly.
- Confirm eligibility criteria by checking the declaration box.
- Select province of destination in Canada.
- Enter the effective date — for super visa, align this with your parents’ planned arrival date.
- Select coverage amount — minimum $100,000 for super visa.
- Choose your deductible — $0 to $10,000.
- Select Essential or Premier plan.
- Choose annual or monthly payment.
- Complete the application, enter payment details, and buy. Policy documents arrive in your email within minutes.
Documents you will receive:
- Policy confirmation document (upload this to your super visa application)
- Policy wording, claim form, and benefit schedule
- Emergency contact card
Cancellation and Refund Policy
| Situation | Refund |
|---|---|
| Cancel within 10 days of purchase (before effective date) | Full refund, no fee |
| Cancel before effective date (after 10 days) | Full refund minus $250 per policy fee (if travel to Canada has not occurred) |
| Visa refused | Full refund, no fee (proof required) |
| Early return to home country | Partial refund for unused days minus $50 fee |
| Become eligible for provincial health plan | Partial refund for unused days minus $50 fee |
| Claim made or pending | No refund |
How to File a Travelance Super Visa Insurance Claim
In a medical emergency, call the Travelance emergency assistance line immediately — before or right after seeking care. Do not wait. The assistance team helps you locate the nearest suitable medical facility, coordinates direct billing where possible, and opens your claim file.
- Emergency Assistance (toll-free Canada and USA): 1-855-566-8555
- Available 24 hours a day, 7 days a week
If direct billing is not available, keep all original itemized receipts, hospital records, prescription receipts, and ambulance records. Submit your claim within 90 days using the Travelance claims portal or by mailing documents to Travelance. Claims are typically processed within 10 to 15 business days once complete documentation is received.
Travelance Super Visa Insurance Reviews
Having helped many families purchase Travelance, here is what stands out in customer feedback:
- Competitive monthly payment option — families appreciate the flexibility of monthly installments instead of a large lump sum upfront.
- Quick policy issuance — documents arrive within minutes of purchase, making it easy to submit your super visa application promptly.
- Clear two-plan structure — buyers appreciate not having to wade through confusing tiers.
- Premier plan extras — the deductible waiver, hospital allowance, and higher drug limits are noticed and valued at claim time.
- Canadian-owned and operated — families like supporting a Canadian company that understands the local healthcare system.
Frequently Asked Questions
Q: Is Travelance approved for the Super Visa?
A: Yes. Both the Essential and Premier plans meet all IRCC requirements for the Parent and Grandparent Super Visa program, including the $100,000 minimum coverage and 365-day validity.
Q: How much does Travelance super visa insurance cost per month?
A: Starting from approximately $80 per month for younger, healthy applicants. Premiums rise with age and health status. For a precise quote, call Bahadur Singh at 4372388119 or use the online link above.
Q: Does Travelance cover pre-existing conditions?
A: Yes, under the Premier plan. Stable pre-existing conditions with a 180-day stability period are covered. The Essential plan does not cover any pre-existing conditions.
Q: What is the maximum age for Travelance super visa insurance?
A: Travelance covers visitors up to age 86. Applicants aged 70 to 86 must complete a detailed medical questionnaire and are limited to $100,000 maximum coverage.
Q: Does Travelance offer monthly payment plans for super visa insurance?
A: Yes. Travelance is one of only a few Canadian insurers that offer monthly payment plans. A two-month refundable deposit is collected upfront, and then monthly charges follow. Available for coverage periods over 90 days.
Q: Can I cancel my Travelance policy if the visa is refused?
A: Yes. A full refund with no cancellation fee is provided on visa refusal. You will need to submit the refusal letter as proof.
We are an authorized Travelance broker and there is no extra cost to buying through us. Reach out before, during, or after your purchase — we are here to help.
Get a Free Travelance Super Visa Insurance Quote →
Or contact Bahadur Singh directly at 4372388119 (Call or WhatsApp) for personalized advice.