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What is Super Visa Insurance?
Super Visa insurance is a mandatory requirement for parents and grandparents of Canadian citizens or permanent residents applying for a Canadian Super Visa. Since visitors are not covered by Canada’s provincial healthcare system, the government requires proof of private emergency medical insurance to ensure visitors are protected from high medical costs during their stay.
A Super Visa allows your parents and grandparents to visit Canada for up to 5 years at a time per entry, and having valid Canadian health insurance is the crucial first step to getting their application approved.
Super Visa insurance requirements for 2026
To meet the guidelines set by Immigration, Refugees and Citizenship Canada (IRCC), your Super Visa insurance policy must meet the following strict criteria:
$100,000 minimum coverage
Your plan must provide at least $100,000 in emergency medical coverage. You can also choose $200,000 and $500,000 plans.
Valid for at least 1 year
The policy must be valid for a minimum of 365 days from the date your parent or grandparent enters Canada.
From a Canadian insurer
Coverage must be issued by a Canadian insurance company (or an OSFI-approved provider) to be accepted by IRCC.
Healthcare, hospital & repatriation
Plans must cover emergency healthcare, hospitalization, and repatriation of remains for the full stay.
Active & reviewable at entry
Proof of coverage must be valid and available for a border officer to review each time your family enters Canada.
Pay monthly or upfront
Pay the full year upfront, or spread it out with monthly payment options offered through leading Canadian providers.
Looking for affordable super visa insurance?
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What does Super Visa insurance cover?
A Super Visa insurance policy covers emergency medical costs that provincial healthcare does not, for the full length of the visa holder’s stay. Following are the standard inclusions:
- Physician consultations: Reasonable and customary charges for medical care received from a physician, whether in or out of the hospital
- Prescription drug coverage: Health insurance can cover the cost of prescription medications that may be needed during your stay
- Pathological tests or diagnostic procedures: Diagnostic procedures including blood work, X-rays, CT scans, MRI, and more
- Paramedical services: Services provided by licensed professionals such as physiotherapists, chiropractors, podiatrists, or massage therapists
- Pre-existing condition coverage: Coverage for pre-existing medical conditions that are declared during the application process
- Repatriation: Insurance can cover the costs of emergency medical evacuation back to your home country, which can be a significant cost without coverage
- Accidental death and dismemberment (AD&D): Visitors to Canada insurance may also provide a one-time lump sum amount in case of severe accidents that may lead to the death or loss of limbs of the insured
- Emergency dental care: Some insurance plans provide coverage for emergency dental treatment or surgery that may have resulted from an accident or sudden injury
- Ambulance transportation: Visitors’ health insurance covers the costs of ambulance services—whether ground or air— needed to transport the visitor to the nearest hospital or medical facility during a medical emergency
- Hotels, meals, taxis: If a medical emergency requires a visitor to extend their stay in Canada for treatment or recovery, the insurance can cover additional expenses for hotels, meals, and local transportation such as taxis
- Childcare: In the event that a visitor is hospitalized and unable to care for their dependent child, the visitor to Canada insurance may cover temporary childcare expenses
- Trip break/Side trip: Some emergency medical insurance plans for visitors offer flexibility with a trip break or side trip coverage, which allows visitors to return to their home country for a short period or travel to another country without losing their insurance coverage
Super visa insurance vs. standard visitor insurance
Standard visitor insurance is optional coverage for anyone visiting Canada, including tourists, visiting friends and family, or those on a standard visitor visa. Super Visa insurance is a specific type of visitor insurance that only parents and grandparents of Canadian citizens or permanent residents can buy, and it’s a legal requirement for the Super Visa itself. IRCC will not issue a Super Visa without proof of a qualifying policy.
| Feature | Super Visa insurance | Standard visitor insurance |
| Who it’s for | Parents and grandparents of Canadian citizens or PRs | Any visitor to Canada (tourists, family, students, workers) |
| Mandatory? | Yes, required by IRCC to issue the visa | No, but strongly recommended |
| Minimum coverage | $100,000 CAD | No minimum; commonly $15,000 to $150,000+ |
| Minimum policy length | 1 year from date of entry | No minimum; available from a few days up to 1 year |
| Approved insurers | Canadian insurer, or foreign insurer authorized by OSFI | Any licensed provider |
| Proof required | Policy or certificate submitted with the visa application | Not submitted to any government body |
| Repatriation coverage | Mandatory inclusion | Often included, but not required |
| Renewal | New policy required each year the visa holder stays | Renewable or extendable depending on trip length |
How much does super visa insurance cost in Canada?
Super Visa insurance costs between $110.72 and $221.43 per month, though the exact premium depends on a few few primary risk factors:
- Age of the applicant: Since applicants are parents and grandparents, quotes fall into the upper age bands, and the price steps up sharply at the 65 and 70 thresholds.
- Pre-existing medical conditions: If your parent or grandparent requires coverage for a stable pre-existing condition (like regulated high blood pressure or diabetes), your quoted premium will be higher.
- Deductible selected: A deductible is the amount you pay out-of-pocket before insurance kicks in. Choosing a higher deductible (e.g., $500, $1,000, or $2,500) can cut the annual premium by roughly 15–20%.
- Coverage limit: While $100,000 is the mandatory minimum, many families choose to quote $150,000 or $200,000 for added peace of mind, which will increase the cost.
Super Visa insurance monthly and annual premiums
| Coverage scenario | Annual payment | Monthly payment |
| Parent Age 58 | $1,328.60 | $110.72 |
| Parent Age 68 | $1,620.60 | $135.05 |
| Couple Age 60 & 61 | $2,657.20 | $221.43 |
Which companies offer Super Visa insurance in Canada?
At PolicyAdvisor, we help you compare rates from Canada’s best travel insurance providers. Each provider differs in premium, deductible options, and pre-existing condition terms.
Choose a plan from Canada’s top insurance providers:
- Manulife
- Tugo (iA Financial Group)
- Group Medical Services (GMS)
- Allianz
- 21st Century Travel Insurance Limited
- Destination Canada
- Travelance
- Secure Travel
Does Super Visa insurance cover pre-existing conditions?
Yes, most Canadian providers offer coverage for pre-existing conditions once they are stable. A condition is generally considered stable if it has not, within a defined period before the policy start date:
- Worsened or produced new symptoms
- Required a change in medication or treatment
- Led to a new diagnosis, hospitalization, or specialist referral
Stability periods vary by insurer, typically ranging from 90 to 180 days. Policies that include pre-existing condition coverage usually carry a higher premium.
Can I pay my super visa insurance premium monthly?
While super visa policies were traditionally paid as a lump sum, several top providers now offer monthly payment plans, and IRCC accepts them for super visa applications. This is especially helpful given that a full year of coverage for an older applicant can run into the thousands.
To qualify, you typically pay an initial deposit (often the first two months’ premium plus a one-time administrative fee), and your policy documents must clearly show the payment arrangement. Importantly, the certificate must still show the full 365-day coverage period even though you’re paying in installments. IRCC needs proof the policy is active and paid for, not necessarily paid in full upfront.
Frequently asked questions
