🚫 Top 10 Mistakes to Avoid When Buying Super Visa Insurance
Bringing your parents or grandparents to Canada is one of the happiest family moments — but a single mistake in your Super Visa Insurance purchase can lead to claim rejection, penalties, or unexpected out-of-pocket costs.
At United Life Financial, we’ve seen how small oversights can create big problems. Here’s a simple checklist to help you avoid the most common mistakes.
❌ 1. Buying the Wrong Plan Without Checking Pre-Existing Condition Coverage
Not every plan covers pre-existing health conditions such as diabetes, high blood pressure, or heart disease.
Even if the condition is stable, it must meet the company’s stability period rule (usually 90–180 days without change in medication or treatment).
✅ Always confirm with your advisor if your plan includes pre-existing condition coverage and understand the stability requirements clearly.
❌ 2. Choosing the Cheapest Plan Without Understanding Deductibles
Many buyers pick the cheapest plan — but forget that lower prices often mean higher deductibles.
A deductible is the amount you pay before the insurer starts covering. Choosing a higher deductible can save up to 45%, but it also means higher out-of-pocket expenses during a claim.
💡 Discuss your comfort level and balance savings with realistic protection.
❌ 3. Not Matching Policy Dates with Actual Travel Dates
Your insurance must start the day your parents arrive in Canada and last at least 365 days.
If travel is delayed, you must update the dates before the policy activates.
🚨 Many people forget to do this. Once the policy starts, it becomes active — and cancelling or changing it later can cost heavy penalties.
❌ 4. Assuming All Companies Offer Refunds for Early Return
Many families think they’ll get a full refund if their parents return home early — but every insurance company charges an administrative fee for processing cancellations.
Refunds are also subject to important conditions, such as:
No claims made during the coverage period Proof of early return (passport stamps or boarding passes) Minimum unused coverage time (usually 30 days or more)
While most insurers do allow partial refunds, the amount and process vary by company. Some deduct more, and others refund only for complete months.
✅ Always review the refund policy before buying, so you understand what happens if your parents leave Canada earlier than expected.
❌ 5. Forgetting That Rates Change When Travel Dates Change
If your parents postpone their trip, new rates apply — especially if they cross into a new age bracket or if the insurer updates its pricing.
Some plans allow you to lock rates, but most don’t.
💡 Ask your advisor whether your plan allows rate locking or if the premium will change with new dates.
❌ 6. Not Informing Your Advisor About Health Changes After Buying
Even after buying the policy, any health changes before travel (like new medication, diagnosis, or hospital visit) must be reported to your advisor or insurer.
Failing to update this information may cause the claim to be denied later because the policy details no longer match your parent’s current health status.
✅ Always contact your advisor if any medical condition changes before your parents travel.
❌ 7. Assuming All Claims Mean Coverage Continues
Some insurance companies may end coverage early after certain claims — not to save money, but to protect the insured from future ineligible claims.
For example, if a claim reveals a serious underlying condition, the insurer may terminate the policy after paying, to prevent future disputes or unpaid claims.
💡 This is why ongoing review with your advisor is important — so your family stays properly covered.
❌ 8. Buying Online Without Understanding the Details
Buying online may seem convenient, but many websites don’t explain exclusions, refund policies, or pre-existing stability rules.
When you buy through a licensed advisor like United Life Financial, you get:
Honest comparison between multiple insurers Guidance on claim procedures and documentation Support for date changes and refunds Assistance in emergencies
We don’t just sell policies — we stand with you throughout.
❌ 9. Forgetting to Contact the Insurance Company During Emergencies
In an emergency, the insurance company must be notified before treatment begins (unless it’s life-threatening).
Hospitals in Canada can usually contact them directly, but make sure you carry the emergency number and policy details at all times.
❌ 10. Relying on Social Media Advice or Random Online Suggestions
Many people still look for Super Visa Insurance recommendations on Facebook groups or WhatsApp chats — but that can be risky.
Most of the time, people giving advice online may not fully understand coverage details or may have had a bad experience because they didn’t follow the right process.
👉 Always focus on finding a qualified, licensed advisor, not random opinions.
Social media can’t replace the expertise and accountability of a professional who knows the policies, the claim process, and the rules that protect you.
✅ Bonus Tip: Compare and Pay Monthly
You can compare instant Super Visa Insurance quotes online at www.UnitedLife.ca —
no contact info required, no spam, just clear comparisons.
Many leading companies also offer monthly installment plans, so you don’t have to pay a full year upfront.
🤝 Advisor’s Message: Why the Right Agent Matters
If you think you fully understand all these details and can manage everything on your own — you can absolutely buy online or from any agent.
But if you’re not 100% sure, find the right advisor, not just the one offering the lowest rate.
If your goal is purely the cheapest price, you can use online platforms (like ours) to compare and buy instantly.
However, if you value proper guidance, support during claims, and someone who will be there when things go wrong — work with a professional advisor.
Remember, even if you buy directly from the insurance company, the premium is the same — you don’t save money.
But you lose the personal service and claim support that only your advisor provides.
Your advisor helps you from start to finish — reviewing, updating, and supporting you whenever you need help.
So respect their effort, time, and dedication — because the right advisor can make all the difference when it matters most.
📞 United Life Financial
905-906-7000 | 647-570-9070
📧 info@unitedlife.ca
