Travelance vs Secure Travel Super Visa Insurance
Travelance and Secure Travel are two provider names families may compare when quoting Super Visa insurance for a parent or grandparent. Both can be considered by families bringing parents to Canada, and both should be judged on more than premium alone. The right fit depends on the visitor's age, medical history, stability period, deductible preference, coverage amount, payment method, and the current policy wording.
This page sets out what actually differs between the two and what to confirm on each. Families often start with price, but once a parent's medical history is on the table the conversation usually moves to how each plan defines stability and whether monthly payment fits the budget. Those are the details that decide the real fit.
Travelance vs Secure Travel at a glance
- Travelance product
- Visitors to Canada Emergency Medical Insurance, Super Visa eligible
- Secure Travel underwriter
- Industrial Alliance (per its public information)
- Travelance monthly payment
- Public monthly payment information available
- Secure Travel pre-existing
- Stated stability: 90 days under 69, 180 days ages 70-84
- What to confirm
- Current wording, coverage amounts, deductibles, and fees
Both plans must meet the same IRCC baseline
Either provider is reviewed against the same IRCC Super Visa requirement: private medical insurance of at least $100,000 in emergency coverage, valid for at least one year from the date of entry, covering health care, hospitalization, and repatriation, paid in full or in instalments with a deposit. Confirm the current requirement and the exact policy wording with an advisor before buying.
What to Compare Between Travelance and Secure Travel
| Feature | Travelance | Secure Travel |
|---|---|---|
| Product | Visitors to Canada Emergency Medical Insurance that its public site states is Super Visa eligible | Visitor and Super Visa options underwritten by Industrial Alliance, per its public information |
| Pre-existing approach | Review the current policy wording for how pre-existing conditions and stability are handled | Its public information states pre-existing conditions may be covered when stable for the required period |
| Stability window | Confirm the stability definition in the current wording | Publicly stated as stable 90 days for ages under 69 and 180 days for ages 70 to 84 |
| Monthly payment | Public monthly payment information is available; confirm current terms and fees | Confirm monthly availability and terms at quote time |
| Coverage amounts | Multiple coverage levels; confirm the current maximum | Multiple coverage levels; confirm the current maximum |
| Deductible options | Range of deductibles; confirm current options | Range of deductibles; confirm current options |
| Refund rules | Review cancellation and visa-refusal terms | Review cancellation and visa-refusal terms |
These points reflect each provider's own public information at the time of writing and are a comparison framework, not a rate sheet. Verify the current wording, stability definitions, age limits, coverage amounts, deductibles, fees, and refund rules directly before purchase, since provider rules change.
The Sharpest Difference: Stability Wording and Payment Options
Between these two providers, the most useful things to compare are how pre-existing conditions and stability are handled and how each fits the family's budget. Secure Travel's public information states that pre-existing conditions may be covered when stable for a defined period that varies by age, giving a concrete stability framing to check against a parent's history. For Travelance, the current policy wording is the place to confirm how pre-existing conditions and the stability window are defined.
On the budget side, Travelance publishes monthly payment information for its Visitors to Canada Emergency Medical Insurance, which can matter for families spreading the cost over the year, while Secure Travel's monthly options should be confirmed at quote time. Neither the stability framing nor the payment option should be judged from the headline. Read the exact wording that would apply to your parent, and compare the full cost and terms of any monthly plan rather than just the monthly figure. What stability means in detail is covered in the pre-existing conditions guide, and the monthly trade-offs are in the monthly payment plans guide.
Understanding Stability Periods
A stability period is the length of time a condition must remain unchanged before coverage may apply, and each insurer defines it differently. Stability commonly means no new or worsening symptoms, no hospitalization, no new medication or dosage change, no new investigations, and no change in treatment plan during the required window. Secure Travel publishes stability windows tied to age, while Travelance's stability terms should be confirmed in the current wording.
When comparing the two, match the exact stability definition to the date of any recent medication or treatment change for your parent. That detail often decides whether a condition is treated as stable, and it matters more than the provider name in determining whether a related claim would be considered.
How Different Families Might Compare Them
Parent age 71 with a stable ongoing condition
Compare Secure Travel's stated stability window for this age against Travelance's current stability wording, matching each to the parent's actual history and any recent medication change.
Family wanting to spread the cost over the year
Travelance publishes monthly payment information, and Secure Travel's monthly options should be confirmed at quote time, so compare deposit, fees, total annual cost, and cancellation rules on both.
Parent with no medical conditions
With no pre-existing conditions in play, the comparison usually comes down to premium, coverage amount, deductible, and refund terms. Compare quotes on one identical profile.
Uncertain travel dates or pending visa
Review each provider's rules for changing the effective date and the refund terms if a Super Visa is refused before committing to either.
Points to Review Before Choosing
- Read the exact stability definition that would apply to your parent on each side and compare those.
- If budget is a factor, compare monthly payment deposit, fees, total cost, and cancellation rules on both.
- Match the stability wording to the date of any recent medication or treatment change.
- Confirm current coverage amounts, deductibles, and refund rules at quote time.
- Confirm the policy meets the current IRCC Super Visa requirement before you rely on it.
Travelance vs Secure Travel FAQs
Neither is universally better. The right choice depends on the parent's age and health history, the stability window that applies, whether monthly payment matters, the coverage amount and deductible you want, and the current wording. Compare the specific plans that would apply to your parent rather than the provider names in general.
How to Decide
Travelance may appeal to families for whom published monthly payment options and its Visitors to Canada emergency medical coverage are a good match, while Secure Travel may appeal to families comparing its stated age-based stability windows and coverage options. Neither is the automatic choice. The decision depends on the parent's age, health history, medication stability, travel dates, deductible preference, coverage amount, budget, and the current wording.
Compare both on one identical applicant profile, read the pre-existing and stability wording that would actually apply, and, if budget is tight, compare the full cost of each monthly option rather than the headline figure. An advisor can present both quotes on equal terms and flag what to confirm in each policy.
Compare and Learn More
Explore related guides to compare options and choose the right policy with confidence.
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