If the super visa is refused, you never actually use any insurance anotherwords the policy never took effect. You get a full refund, I hope this is not your biggest worry, the people I deal with want to get the super visa and see thier parents and grandparents. I really hope nobody gets a refund which means their visa is granted and they can see thier familiy in Canada.
Gary Goldshmidt
Stone-Hedge Financial Group Inc.
Toll Free 1.888.410.4393
Toronto Local Tel 416.410.4393
Email: gary@stone-hedgefinancialgroup.ca