Your Insurance Resource Hub
Policy wording documents, product overviews for all 9 visitor & Super Visa carriers, plus direct links to official government portals.
Every plan we recommend comes with official documents from the insurer — the policy wording that legally governs your coverage, plan summaries that compare benefits at a glance, and the medical questionnaires you complete when you apply. We’ve gathered the current versions from all nine visitor and Super Visa carriers in one place, alongside direct links to the government pages that set the rules. Review them before you buy, or bring any questions to a licensed advisor.
Please Note: The documents below are provided by the respective insurance carriers for general reference only. The official policy wording issued by the insurer is the only document that governs your coverage. Daya Insurance Agency Inc. is not the insurer and does not underwrite any of these products. Please read the policy wording carefully before purchasing. If you are unsure whether a medical condition will be covered, call the carrier directly or show the policy wording to your physician before purchasing. For our full Carrier Policy Documents Disclaimer please visit our Legal Page. Have questions? Contact our office — we're happy to walk you through any document.
Visitor & Super Visa Insurance
Policy wording and product overview documents for all carriers available through Daya Insurance.
Government & Official Links
Direct links to official Canadian government portals for immigration and registered savings programs. All links open on official Canada.ca / government websites.
How to read & compare a policy
Confirm eligibility
Most visitor plans have age limits, require the traveller to be a visitor (not a citizen or permanent resident), and may restrict or delay coverage if bought after arrival. Check this before comparing anything else.
Check the coverage amount
Confirm the maximum is enough for the traveller and the trip. A Super Visa requires at least $100,000; older travellers or longer stays often warrant more.
Check how pre-existing conditions are handled
Find the stability period and the exact definition of “stable.” This is where plans differ most, so compare it first if anyone has a health history.
Understand the deductible
The amount, whether it applies per claim or per policy, and how it changes the premium.
Read what’s covered and what’s excluded
Not just the benefits — every plan lists both, and the exclusions decide claims as much as the limits do.
Know the claims process before you need it
How and when to notify the insurer, what documents are required, filing deadlines, and the grounds a claim can be declined on — often non-disclosure of a health condition or a missed deadline.
Key terms, in plain English
- Policy wording
- The full legal contract for your plan. It defines every term, lists what’s covered and excluded, and sets the rules for claims. If the summary and the wording ever disagree, the wording governs.
- Summary of benefits
- A short overview of coverage amounts, deductible options, and main features, written for quick comparison. A helpful starting point — but it isn’t the contract; always confirm against the policy wording.
- Deductible
- The amount you pay out of pocket on a claim before the insurer pays the rest. Some plans apply it per claim, others once per policy; either way, a higher deductible usually means a lower premium.
- Stability period
- A set window (often 90–365 days before coverage starts) during which a pre-existing condition must stay unchanged — no new symptoms, treatment, or medication changes — to be eligible. Definitions vary by carrier.
- Pre-existing condition
- A medical condition that existed before coverage began. Whether it’s covered depends on the plan and the stability period — and the rules differ from carrier to carrier.
- Waiting period
- A short time after your policy starts before certain coverage becomes active. Common on sickness benefits, to discourage buying a policy only once symptoms appear.
What IRCC requires from your policy
Document questions, answered
Which document do I need for a Super Visa application?
What’s the difference between policy wording and a summary of benefits?
Are these the official, current versions?
Do I need to complete a medical questionnaire?
Which carrier’s documents should I read?
Can you help me understand a document before I buy?
Not sure which plan fits your family?
Compare coverage on our visitor & super visa insurance page, or get free, no-obligation guidance from an LLQP-licensed advisor.