How buying super visa insurance on SuperVisaDirect works

Buying super visa insurance on SuperVisaDirect takes about ten minutes and three steps. You answer three questions about the parent, see one price for one policy, and pay on the insurer’s secure checkout. The policy is the TuGo Visitors to Canada Emergency Medical plan, underwritten by iA Financial Group. The certificate and IRCC proof letter arrive by email the same day, and start-date changes, renewals and claims support are ours to handle. Nothing requires a phone call unless you want one.

Step 1: What details do we need to quote?

Three facts set the price: the parent’s date of birth, the planned arrival date in Canada, and the province where they will stay. We also ask whether any medical condition has changed recently, because that decides whether the standard stability period or the optional 7-day rider applies. You then choose a coverage amount and a deductible. IRCC requires at least $100,000 of emergency medical coverage per applicant, valid for at least one year from the date of entry.

You do not need the parent’s passport number or medical history at this stage. TuGo’s health questions, which apply at age 60 and over, come at checkout.

Step 2: One price, one policy

One plan card appears: the TuGo Visitors to Canada Emergency Medical plan (Comprehensive), underwritten by iA Financial Group, priced for the age, coverage amount and deductible you entered. The fine print that decides most claims sits on the same card, so there is nothing to hunt for before you pay.

We sell one insurer’s plan on purpose. The TuGo Comprehensive plan meets every IRCC requirement, has no maximum age, offers a 7-day unstable-condition rider to age 79 for a condition that changed recently, and issues instantly at any hour. That combination lets us promise a same-day certificate for every age and most health histories without sending you to a second site.

It is not always the lowest price in the market, and we say so. The 2026 comparison shows every Canadian super visa plan’s price, stability period, refund rule and age limit, dated and sourced, so you can check the TuGo plan against the rest before you buy. Our cost page shows sample premiums by age.

Step 3: Buy on TuGo’s secure checkout

Payment happens on TuGo’s own secure checkout, not on SuperVisaDirect. Your card details go to the insurer that issues the policy and never pass through us. The amount is TuGo’s published premium, with our commission already inside it, so you pay the same as buying from the insurer.

Before checkout, TuGo’s application asks for the parent’s name as it appears on the passport, the host’s address in Canada and, for a parent aged 60 or over, a short health questionnaire. Answer the questionnaire with the parent on the phone or in the room. Inaccurate answers are the most common reason a claim is denied.

What happens after you pay?

Three documents arrive by email the same day: TuGo’s certificate naming iA Financial Group as the underwriter, a proof-of-insurance letter written for IRCC, and a wallet card with the 24-hour emergency assistance number. Forward the letter to the parent so they can upload it with the application and show it to the border officer on arrival.

IRCC’s after you apply page confirms the parent must carry proof of insurance to show at entry. Keep the PDF on the parent’s phone and print one copy.

We handle the start date, the renewal and the claim

We handle start-date changes, renewals and claims support for every policy sold on SuperVisaDirect. Email or request a callback, and the same licensed advisor who sold the policy deals with TuGo for you. There is no separate call centre and no ticket queue.

Start-date changes are the most common request. IRCC processing times move month to month; immigration.ca’s tracker showed India at 70 days in September 2026 after 208 days in March 2026. Tell us the new arrival date before the policy starts and we move it with TuGo at no charge. Our super visa insurance page sets out the date-change rules.

Renewals: we email you 60 days before the policy ends. If the parent is still in Canada, we send the renewal price on the TuGo plan at the parent’s new age band, with the stability period that now applies, so there is no gap between the two terms.

Claims: the parent or you call the emergency assistance number on the wallet card first, before treatment where possible. We then help you gather the documents, follow up with TuGo and, if a claim is denied, explain the escalation path to the insurer’s complaints officer and OLHI.

What if you want to talk first?

Email [email protected] or request a callback. A licensed advisor will answer questions about a specific parent’s health history, a stay outside Ontario or a visa that has already been refused once. Our contact page lists what to have ready.

Nothing on the plan card is advice until you have spoken to an advisor. If the parent has a condition that is not stable, or is over 85, a ten-minute call usually saves a denied claim later. Start the three steps when you are ready.