Destination Travel Group super visa insurance review (2026)

Destination Travel Group’s Visitors to Canada plan costs about $1,635 a year at 55, $2,624 at 65 and $5,183 at 75 with stable pre-existing conditions covered (rates seen October 2026), and it qualifies for the super visa at $100,000 for one year. It is underwritten by Zurich Insurance Company Ltd (Canadian Branch) and has the lowest monthly-plan fee of any carrier at $10. The catch is that pre-existing conditions are excluded from age 80.

Who is Destination Travel Group, and who underwrites the policy?

The Destination: Travel Group Inc. (DTGI) is a Canadian travel insurance program manager led by president Steve Blanchard. On 4 April 2024 THIA published Zurich Canada’s agreement to underwrite DTGI’s Visitors to Canada, Snowbird, Student, Leisure and Expat plans.

The insurer on the certificate is therefore Zurich Insurance Company Ltd (Canadian Branch), a foreign insurer’s federally regulated branch that issues in the course of its business in Canada, which satisfies the IRCC insurer rule. Claims are administered by Global Excel Management as Zurich Assistance, and Zurich Travel Assist is run by World Travel Protection, a Zurich subsidiary. Beware of a similarly named travel agency with no connection to the insurance program.

SuperVisaDirect does not sell this plan. It is reviewed here for comparison; the plan sold on SuperVisaDirect is TuGo’s Visitors to Canada plan, underwritten by iA Financial Group, bought in three steps on the super visa page. The 2026 comparison shows both side by side.

Which Destination plan do super visa parents need?

There is one Visitors to Canada plan with selectable limits up to $300,000; choose $100,000 or more for the super visa. Pre-existing conditions are covered automatically when stable, with no medical questionnaire. A separate international student plan is not relevant here.

Source: PolicyAdvisor. The $3,000 transport caps are low; TuGo pays return of remains up to the sum insured.

What are the stability rules for pre-existing conditions?

Stability is 90 days to age 59, 120 days from 60 to 69 and 180 days from 70 to 79, all before the effective date. At 80 and over every pre-existing condition is excluded. Stable means no medication changes, no new symptoms, no new tests and no scheduled appointments for the condition.

These bands match TuGo’s to age 79 and beat Manulife, GMS and 21st Century, which use 180 days at every age. For a 62-year-old whose blood-pressure dose changed five months ago, Destination covers the condition while Manulife would not. Read our pre-existing conditions guide before answering the stability question.

What does Destination cost?

Destination was the third-lowest of eight carriers at 55 and 60 in October 2026 and fourth at 65, 70 and 75. The monthly figures below are what most families will actually pay.

Annual premium, $100,000 coverage, $0 deductible, rates seen Oct 2026 — verify at quote time.

Monthly plan, $100,000 coverage, rates seen Oct 2026 — verify at quote time.

Sources: BestQuote and PolicyAdvisor. A higher deductible lowers the premium; the full grid is on the cost page.

How does the Destination monthly plan work?

Pay two months’ premium plus a one-time $10 fee at application; the third month is due on the effective date, then monthly billing. The plan needs at least 180 days of cover and a $50,000 limit, both met by a super visa policy. PolicyAdvisor’s monthly-plan guide instead describes a 10 percent surcharge, so confirm the exact cost on the quote.

Sources: PolicyAdvisor review and monthly plans guide. IRCC accepts instalments with a deposit; a missed payment lapses cover. See monthly plans.

What are the refund and cancellation rules?

A full refund applies when the trip is cancelled before the effective date, when the parent returns home before expiry, or when provincial coverage begins. Partial refunds must be requested within 90 days of expiry and are void if a claim exists. Our fact sheet records a $150 cancellation fee and $25 for partial refunds.

Because India’s processing time swung from 208 days in March 2026 to 70 days in September 2026, set a start date you can move before it begins.

What are the side-trip and coverage-area rules?

Side trips are covered when at least 51 percent of the coverage period is spent in Canada. The home country is never covered, and a temporary return must stay below 51 percent of the period. No excluded provinces are published.

What do reviews say about claims?

We found no Trustpilot or Google review set specific to DTGI’s visitor plan, and the Zurich partnership is only two years old. Claims go through Global Excel Management, the same administrator Manulife uses, which is known for thorough documentation requests. Call within 24 hours of any hospital admission.

Who is Destination best for, and what should you watch for?

Destination is the pick for monthly payers who want the lowest fee, and for parents 60 to 69 whose condition is stable for 120 but not 180 days. It is the wrong choice for parents over 79 with conditions and for anyone likely to need medical transport.

Destination is not sold on SuperVisaDirect; see how it sits against the TuGo plan we sell in the 2026 comparison, or compare Secure Travel for a lower base premium and 21st Century for a two-year lock.