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Plans changed, the visa was refused or your parent is going home early. Here is how refunds usually work, and exactly what to send.
Pick what happened. Each insurer sets its own refund rules, so treat this as a guide and check your policy wording.
Usually a full refund
Send the visa refusal letter to the insurer before the policy’s start date. Some insurers deduct a small administration fee.
Contact the insurer as soon as plans change. Refunds often depend on when you ask, and insurers set time limits.
The refusal letter, proof of departure or proof of provincial coverage, depending on your situation.
Include the policy number, the reason and your documents. Keep a copy of everything.
The insurer reviews it. Refunds usually go back to the original payment method.
The official decision from IRCC, if the Super Visa was refused.
A boarding pass, itinerary or passport stamp showing the date your parent left Canada.
Confirmation of provincial coverage and the date it started, if that is the reason.
Policy number, the insured person’s name, the reason and the date of the change.
Refund rules, fees and time limits are set by each insurer and written in the policy wording. We can help you read yours.
Quick answers below. For anything about your own family, talk to an advisor.
Usually yes, if you contact the insurer before the policy start date and send the refusal letter. Some insurers deduct an administration fee, so check your policy wording.
Many insurers refund the unused time, counted from the day you contact them, often minus an administration fee.
Usually yes for the unused days, as long as no claim was made. You will need proof of the departure date.
Often not. With most insurers, a claim on the policy makes the remaining premium non-refundable. Ask the insurer what applies to your policy.
The insurer reviews and pays refunds. We can help you prepare the request and find the right contact.
Usually back to the original payment method. Ask the insurer if you paid another way.
Tell us what happened and we will help you prepare the request for your insurer. English, Hindi or Punjabi.
General information only, not advice for your situation. Coverage, definitions and refunds depend on each insurer’s policy wording, which always decides. Visitor Guard is a broker; insurers review and pay claims and refunds.