Best Super Visa insurance companies in Canada (2026)

What is Super Visa insurance in Canada?

Super Visa insurance is mandatory travel medical insurance for parents and grandparents of Canadian citizens or permanent residents applying for a Super Visa. It covers emergency medical costs that non-residents must pay for themselves. This coverage allows eligible family members to stay in Canada for up to five years at a time without renewing status.

The insurance protects against high medical expenses and ensures that your Immigration, Refugees and Citizenship Canada (IRCC) application meets requirements. To qualify, the plan must meet these criteria:

• Minimum $100,000 coverage for health care, hospitalization, and repatriation
• Valid for at least one year from entry into Canada
• Meets IRCC requirements for emergency medical coverage; specific benefits (such as physician visits, surgeries, ambulance services, and prescription drugs) vary by insurer and must be confirmed in the policy wording
• Provides repatriation in case of serious illness or death
• Option to cover pre-existing conditions if stable for 90–180 days
• Must be paid in full before application submission. Financing or monthly payment options are acceptable only if the insurer has received full payment, and proof of paid coverage is provided
• Requires submission of proof of paid coverage meeting IRCC criteria (such as a policy document, certificate, or insurer confirmation)

Best Super Visa insurance companies in Canada (2026)

We ranked the best Super Visa insurance companies in Canada for 2026 based on cost, coverage flexibility, pre-existing condition support, and customer experience. These plans meet IRCC requirements and protect visitors during long stays.

1. Allianz: Best for frequent travellers
2. TuGo: Best for customizable riders
3. Manulife: Best for value-added services
4. Secure Travel (RIMI): Best for senior travellers
5. Destination Canada: Best for comprehensive coverage
6. GMS (Group Medical Services): Best for competitive pricing
7. 21st Century: Best for healthy travellers

Let’s take a closer look at each of these top insurers, their unique features, and what makes them stand out in 2026.

How much does Super Visa insurance cost in Canada?

Super Visa insurance costs vary based on age, medical history, trip length, and coverage amount. Premiums rise with age and increase if pre-existing conditions are included. Choosing the right plan can help families manage costs while meeting IRCC requirements.

For example, premiums for a 75-year-old parent can vary significantly depending on the insurer, deductible, province of stay, trip length, and underwriting. Coverage for stable pre-existing conditions typically increases the cost. Always refer to live quotes with stated assumptions and insurer documentation for accurate pricing.

Super Visa insurance premiums differ based on age and whether you have pre-existing conditions. The table below provides illustrative annual costs for a plan with $100,000 in emergency medical coverage.

Can I buy Super Visa insurance after arriving in Canada?

You must buy Super Visa insurance before arriving in Canada if you want your application to be approved by Immigration, Refugees and Citizenship Canada (IRCC). The policy must be valid from the date of entry and provide at least one year of emergency medical coverage.

Although you can purchase travel insurance after arriving in Canada, it will not satisfy Super Visa requirements. IRCC requires proof of valid Canadian health insurance at the time of application, so make sure to compare plans and secure coverage before your parents or grandparents travel.

What happens if my Super Visa is denied after I buy insurance?

If your Super Visa is denied after you buy insurance, most providers in Canada will allow you to request a full refund, as long as you provide proof of visa refusal. To get your money back, you must submit the official IRCC rejection letter along with your policy details.

However, refund policies may vary by insurer, so it’s important to review the terms before purchasing. Many insurance providers in Canada, such as Manulife or 21st Century, offer hassle-free cancellation and full refunds in case of visa denial, ensuring you don’t lose your investment.

How to file a Super Visa insurance claim in Canada?

The Super Visa insurance claims process ensures that insured visitors can receive timely medical care in Canada without financial stress. It’s important to follow the correct steps to avoid claim denial or delays.

• Contact the insurer’s emergency assistance line immediately before or right after seeking medical care
• Follow the insurer’s instructions on approved hospitals or clinics to avoid out-of-network charges
• Collect and submit required documents, such as claim forms, medical records, itemized bills, and receipts
• Submit the claim within the insurer’s specified timeline (often 30–90 days)
• Track the claim status online or through customer service for updates until it’s processed and settled

How to get the most affordable Super Visa insurance quotes in Canada?

Finding affordable Super Visa insurance quotes in Canada doesn’t have to be overwhelming, especially when you have expert guidance. At PolicyAdvisor, we work directly with Canada’s best visitor travel insurance companies that offer this coverage. Whether you are looking for basic coverage or policies that include pre-existing condition protection and add-ons, we compare all the best options to help you save both time and money.

Our licensed insurance advisors can help you find the cheapest Super Visa insurance quotes based on your unique needs, medical history, and budget preferences.

We also offer lifetime after-sales support, whether you need help with renewals, claims, or updating your coverage. Schedule a call with us today to get customized plans based on your travel needs.

What happens if my Super Visa is rejected after buying insurance?

If your Super Visa is denied, most insurance providers in Canada will offer a full refund, often minus a small administrative fee. To receive the refund, you must submit proof of visa rejection, usually the IRCC refusal letter, before the policy’s start date. It’s essential to review the refund policy at the time of purchase, as terms may vary. Trusted providers like Manulife, TuGo, and 21st Century typically allow hassle-free cancellations.

Are monthly payments available for Super Visa insurance?

While Super Visa insurance usually requires full upfront payment for one year, some providers now offer monthly payment options through approved Canadian brokers. These plans may involve a small financing fee or require a deposit up front. Monthly payments can make Super Visa insurance more affordable for families managing high premiums, especially for elderly applicants or those with pre-existing conditions. 

Does Super Visa insurance cover prescription drugs and follow-up care?

Super Visa insurance typically covers emergency prescription medications related to a covered illness or accident, but it may not cover long-term medications or routine refills. Some plans include limited coverage for follow-up visits or diagnostic tests, especially if linked to the initial emergency. It’s important to review each plan’s benefit summary carefully or consult a licensed advisor to ensure you choose a policy that meets the specific health needs of your visiting parents or grandparents.

Will my Super Visa insurance cover travel to other provinces in Canada?

Yes, most Super Visa insurance policies provide coverage throughout all provinces and territories in Canada, as long as the insured person is temporarily residing in Canada. However, coverage levels may vary if you change your location permanently or travel outside Canada. Some plans also include limited emergency travel coverage for short trips to the U.S. or other countries. Always confirm with your insurer about any travel plans and review the territorial coverage limits in your policy to avoid surprises.