Super Visa QuoteDestination Canada Super Visa Insurance for Parents and Grandparents Visiting Canada
Compare Destination Canada Super Visa Insurance for parents and grandparents visiting Canada. Review cost, coverage, deductibles, monthly payment options, refunds, and medical history details.
- Compare Destination Canada quote fit
- Cost, deductible, and payment options
- Pre-existing condition wording reminders
- Refund and claim-process considerations
Why Families Compare Destination Canada Visitors Insurance
The Destination: Travel Group offers a Destination: Canada Visitors Plan for people visiting Canada, including families arranging insurance for Super Visa applications. This insurance provider should not be confused with Destination Canada, the national tourism organization.
Destination Canada visitor insurance can be worth comparing when families want another quote for age, deductible, payment, or medical-history fit. Confirm the current plan category and policy wording issued with the quote, especially when stable pre-existing condition coverage matters.
Destination:Canada's Visitors to Canada policy (ZC-DEST-15101 U 1225) is underwritten by Zurich Insurance Company Ltd, Canadian Branch, with emergency assistance provided through Zurich Assistance / Global Excel.
Introduction
Destination Canada (also written as Destination:Canada, or "DTC") is one of the Super Visa insurance options available to families through Super Visa Quote. This insurance product is offered by The Destination: Travel Group Inc. and underwritten by Zurich Insurance Company Ltd, Canadian Branch — it is not affiliated with Destination Canada, the federal tourism marketing organization. If you have seen the name "Destination Canada" used elsewhere in a tourism context, that is a different organization entirely.
Destination Canada at a Glance
- Underwriter: Zurich Insurance Company Ltd, Canadian Branch
- Administrator: The Destination: Travel Group Inc.
- Coverage: $100,000 and up — confirm maximum with your advisor
- Plan options: Option 1 (age-banded stability) · Option 2 (no pre-existing)
- AD&D: Included — confirm amount with your advisor
- Waiting period: 48 hours (within 30 days of departure) or 7 days
Destination Canada: Option 1 vs. Option 2
Option 1
Age-banded pre-existing stability review.
- Pre-existing conditions may be covered based on applicant age: 90 days (under 60), 120 days (60–69), 180 days (70–79)
- AD&D benefit included
- Confirm eligibility for applicants 80 and older with your advisor
Option 2
Zero pre-existing condition coverage.
- No pre-existing coverage regardless of stability
- AD&D benefit included
- Lower-cost option when pre-existing coverage is not needed
Option details reflect Destination:Canada's Visitors to Canada policy (effective December 2025). Note: this product is from The Destination: Travel Group Inc. — not the Destination Canada tourism organization. Confirm current terms with a qualified advisor before purchasing.
Destination Canada Super Visa Insurance and IRCC Requirements
For a Parent and Grandparent Super Visa, IRCC requires private health insurance valid for at least one year from the date of entry, with a minimum coverage amount (currently $100,000 — confirm the current minimum with your advisor). Destination:Canada's Visitors to Canada plan offers a choice between Option 1 and Option 2 (see the pre-existing section), both of which can be structured to meet this requirement when the coverage amount and policy wording are confirmed.
Destination Canada Super Visa Insurance Coverage
Destination:Canada's Visitors to Canada plan, underwritten by Zurich, is structured around two pre-existing condition options (Option 1 and Option 2) plus an Accidental Death and Dismemberment (AD&D) benefit of up to $150,000.
For families comparing Destination Canada for a Super Visa, the key questions are
- Does the policy meet the current Super Visa insurance minimum ($100,000 or more)?
- Option 1 or Option 2 — does your parent's age and medical history fit Option 1's stability windows, or is Option 2 (zero pre-existing) the better fit?
- What waiting period applies based on when the policy is purchased relative to travel?
- What happens if the Super Visa is refused?
Destination Canada Super Visa Insurance Cost
Destination:Canada's pricing depends on the option selected (Option 1 vs. Option 2), the applicant's age, and the coverage amount. The most accurate way to compare is to request a personalized quote using your parent's real age, travel dates, coverage amount, and medical history.
Destination Canada cost may depend on
- Option 1 (age-banded stability windows for pre-existing conditions) vs. Option 2 (zero pre-existing coverage)
- Age of the parent or grandparent (Option 1's stability window varies by age band)
- Coverage amount selected
- Travel start date relative to departure (this affects the waiting period)
Is Destination Canada Cheap Super Visa Insurance?
Whether Destination:Canada is cost-competitive depends heavily on which option fits your parent's medical history. Families should review whether Option 1's age-banded stability window covers your parent's relevant medical history (making it worth the cost difference vs. Option 2), whether the AD&D benefit (up to $150,000) is relevant, and the refund rules — especially the $150 cancellation fee for one-year policies without visa-refusal proof. The cheapest option is not always the most suitable one.
Destination Canada Super Visa Insurance and Pre-Existing Conditions: Option 1 vs. Option 2
Destination:Canada offers two distinct options for pre-existing conditions. Option 1 may cover a pre-existing condition if it was stable for an age-based period before the effective date. Option 2 provides zero pre-existing condition coverage, regardless of stability.
Option 1: Stability Window by Age
| Applicant age | Option 1 stability requirement |
|---|---|
| 59 and under | Stable in the 90 days before the effective date |
| 60 to 69 | Stable in the 120 days before the effective date |
| 70 to 79 | Stable in the 180 days before the effective date |
Option 2 provides zero pre-existing condition coverage, regardless of stability. The policy wording we reviewed (ZC-DEST-15101 U 1225) does not specify a stability band for applicants 80 and older — confirm the applicable window with your advisor before purchasing.
Compare Destination Canada Super Visa insurance before you buy
Send the parent or grandparent age, travel dates, deductible preference, and medical-history notes. We can help compare Destination Canada with other Super Visa insurance providers.
Confirm with your advisor which option and stability window applies to your parent's specific medical history before purchasing. Our Pre-Existing Conditions Guide explains what "stable" means in more detail, which applies directly to Option 1's stability test.
Destination Canada Super Visa Insurance Deductible Options
A deductible may apply and, if so, is shown on your confirmation of coverage. The plan is built around the Option 1 / Option 2 choice and the coverage amount selected. Your advisor can confirm the deductible options for your selected option and coverage amount.
Destination Canada Super Visa Insurance Monthly Payment Options
If you are looking for monthly payment options for a Destination:Canada policy, our advisor can confirm what is currently available for your parent's quote and compare Destination:Canada with other providers offering monthly Super Visa insurance plans.
Destination Canada Super Visa Insurance Waiting Period
- 48 hours after the effective date if the policy is purchased within 30 days of departure.
- 7 days after the effective date if the policy is purchased 30 or more days after departure.
Destination Canada Super Visa Insurance Notification Requirements
If a medical emergency or hospitalization occurs, contact Zurich Assistance (via Global Excel) at 1-833-532-2713 before seeking treatment. Failing to contact Zurich Assistance when required can result in a 20% penalty on otherwise-eligible expenses. The safest approach is the same for every provider: call Zurich Assistance as soon as possible in any emergency, and confirm the notification rules with your advisor.
Destination Canada Super Visa Insurance Refund Policy
Destination:Canada provides a 10-day right to examine — a full refund is available if the policy is returned within 10 days of purchase and coverage has not begun. After that, premium refunds are considered when the entire trip is cancelled before the effective date, when you return to your country of origin before the expiry date, or when you become covered by a Canadian government health plan. Note that cancelling a one-year policy before the effective date, when it was issued for a visa and no proof of visa refusal is provided, carries a $150 fee. Other refunds are subject to a $25 administration fee and a $25 minimum refund. Confirm your specific refund scenario — including a visa refusal — with your advisor before cancelling.
AD&D (Accidental Death and Dismemberment)
Destination:Canada's policy includes an Accidental Death and Dismemberment (AD&D) benefit of up to the lesser of the sum insured or $150,000, payable at 100% for death or the most severe losses and 50% for certain lesser losses. Confirm the exact loss schedule in the current policy wording with your advisor.
Destination Canada Super Visa Insurance for Parents Visiting Canada
Destination:Canada may be considered by families searching for visitor visa insurance for parents, medical insurance for a Super Visa, or stable pre-existing condition coverage with age-banded stability windows — particularly families weighing Option 1's age-based stability test against Option 2's zero-pre-existing simplicity. As with any provider, the selected option and coverage amount should meet the current Super Visa insurance requirement, and families should remember this product is from The Destination: Travel Group (underwritten by Zurich), not the Destination Canada tourism organization.
Destination Canada vs. Other Super Visa Insurance Providers
Destination:Canada's Option 1 / Option 2 structure and age-banded stability windows (90 / 120 / 180 days) make it a useful comparison point for families focused on pre-existing condition coverage. The $150 cancellation fee for one-year policies without visa-refusal proof means it is worth comparing carefully against other providers' refund rules.
Families commonly compare Destination Canada with
- Manulife Super Visa Insurance
- TuGo Super Visa Insurance
- Secure Travel (RIMI) Super Visa Insurance
- TruStone Super Visa Insurance
- GMS Super Visa Insurance
- Travelance Super Visa Insurance
- 21st Century Super Visa Insurance
- AwayCare Super Visa Insurance
Why Compare Destination Canada Through Super Visa Quote?
Comparing Destination:Canada alongside other providers lets you review Option 1 vs. Option 2 pre-existing rules and age-banded stability windows (90 / 120 / 180 days), AD&D up to $150,000, the waiting period, the 20% notification penalty, and the refund rules including the $150 one-year cancellation fee — all at no extra cost to you. This helps families avoid choosing a plan based only on price or provider name.
Who should consider Destination Canada Super Visa insurance?
- Parents or grandparents applying for or holding a Super Visa
- Families whose parent's medical history fits Option 1's age-banded stability windows (90 days under 60, 120 days 60 to 69, 180 days 70 to 79)
- Families who prefer Option 2's simplicity (zero pre-existing coverage) in exchange for potentially lower cost
- Families who value AD&D coverage up to $150,000
- Families comparing Canadian Super Visa insurance companies before choosing
The best option and provider depend on the applicant's age, health history, and refund-policy preferences. Your advisor can help compare Destination:Canada's Option 1 and Option 2 against other providers for your specific situation.
Provider FAQs
Does Destination Canada offer Super Visa insurance?
Yes. Destination:Canada (from The Destination: Travel Group Inc., underwritten by Zurich Insurance Company Ltd, Canadian Branch) offers a Visitors to Canada plan with a choice of Option 1 or Option 2 for pre-existing condition handling.
Is Destination Canada the same as the Destination Canada tourism organization?
No. This insurance product is from The Destination: Travel Group Inc. and is unrelated to Destination Canada, the federal tourism marketing organization.
What is the difference between Option 1 and Option 2?
Option 1 may cover pre-existing conditions that were stable for an age-based period — 90 days (under 60), 120 days (60 to 69), or 180 days (70 to 79) — before the effective date. Option 2 has zero pre-existing condition coverage regardless of stability. Confirm which option fits your parent's history with your advisor.
Is there a waiting period with Destination Canada?
Yes — 48 hours if purchased within 30 days of departure, or 7 days if purchased 30 or more days after departure.
Does Destination Canada include AD&D coverage?
Yes — up to the lesser of the sum insured or $150,000, with a tiered payout structure depending on the type of loss.
Can I get a refund if my Super Visa is refused?
A full refund is generally available within 10 days if the policy has not started. Cancelling a one-year policy before the effective date without proof of visa refusal carries a $150 fee; other refunds are subject to a $25 administration fee and a $25 minimum. Confirm your situation with your advisor.
Should I choose Destination Canada or compare first?
Comparing first lets you see how Destination:Canada's Option 1 / Option 2 structure, age-banded stability windows, and refund fees stack up against other providers for your parent's specific situation — at no extra cost to you.
Continue Comparing Super Visa Insurance Providers
Information Accurate as of December 2025
Insurance providers update their plan wordings, coverage limits, and pricing periodically. The details on this page reflect the Destination Canada (DTC) plan documents available to us as of December 2025 and are provided for general guidance only. Our advisor can confirm the current policy wording, exact pricing, and whether a specific condition or scenario applies to your situation before you buy.
Related Insights and Guides
- Super Visa Insurance Providers in Canada
- How to Choose Super Visa Insurance for Parents and Grandparents
- Super Visa Insurance Cost in Canada
- Super Visa Insurance Monthly Payment Plans in Canada (2026 Guide)
- Super Visa Insurance for Elderly Parents With Medical Conditions
- Manulife vs TuGo Super Visa Insurance
Compare Destination Canada Super Visa insurance before you buy
Send the parent or grandparent age, travel dates, deductible preference, and medical-history notes. We can help compare Destination Canada with other Super Visa insurance providers.