FAQ Super Visa Insurance

Super Visa Insurance is a specific type of insurance designed for individuals who are applying for the Super Visa program in Canada. The Super Visa allows parents and grandparents of Canadian citizens or permanent residents to visit Canada for an extended period, up to two years, with the possibility of multiple entries

Super Visa Insurance is a mandatory requirement for obtaining a Super Visa. It provides emergency medical coverage for the duration of the visit and helps ensure that the visitor will not be a burden on the Canadian healthcare system.

Any individual applying for the Super Visa program is required to have Super Visa Insurance. This includes parents and grandparents of Canadian citizens or permanent residents who wish to visit Canada for an extended period

A Super Visa lets parents and grandparents stay in Canada for up to 5 years at a time, and the visa can be valid for up to 10 years with multiple entries. Insurance must be valid for at least 1 year from the date of entry, so plan to renew the policy every year for as long as they stay.

Not for now. New Parents and Grandparents Program (PGP) applications have not been accepted since January 1, 2026, and on July 15, 2026 IRCC confirmed that PGP intake is paused until further notice. Applications already submitted are still being processed. For most families, the Super Visa is now the main way to bring parents and grandparents to Canada for long visits. Super Visa insurance is required for every applicant, and we can compare plans from 20+ Canadian insurers for you.

Applicants must provide proof that they have purchased Canadian health insurance for a minimum of $100,000 in coverage and that it is valid for 1 year. In addition the coverage must be continuous and allowing the applicant to return to their home country as many times as needed within the year

The Canadian insurance companies are governed by the regulations in Canada, and the government perhaps feels safer that any claims will be paid for by a company they can regulate. The government doesn’t want to be the one to have to pay any claims, or sue a company that doesn’t pay out a claim.

Not only. IRCC accepts Super Visa insurance from a Canadian insurance company, or from an insurer outside Canada that is authorized by the Office of the Superintendent of Financial Institutions (OSFI) to sell accident and sickness insurance. The policy must give at least $100,000 of emergency coverage, be valid for at least 1 year from each entry, and be paid in full or by instalments with a deposit.

Yes, but only from an insurer outside Canada that IRCC has approved for Super Visa purposes. The policy must still meet all the rules: at least $100,000 of coverage for health care, hospitalization and repatriation, valid for at least 1 year from entry. Most families choose a Canadian insurer because the policy and documents are easy for IRCC to verify.

Super Visa insurance is emergency medical coverage for parents and grandparents visiting Canada. It typically covers emergency hospital stays, doctor and surgeon fees, diagnostic tests, prescription drugs from an emergency, ambulance services, emergency dental care, and return of the insured person to their home country. It does not cover routine check-ups, non-emergency treatment, or unstable pre-existing conditions. Check your policy wording for exact benefits and limits.

Pre-existing are the medical condition which can be illness, sickness, injury whether diagnosed or not by doctor. Pre-existing is the health condition which existed before buying the super visa insurance. Condition may have received consultation or not it does not matter. Yes you can buy the super visa insurance which will cover the pre-existing conditions as long as they are stable with the definition of insurance companies, Stable means no change in symptoms, dosage, treatment, medical test recommended not completed again term of condition need to be read as it varies from insurance company to company. Stable period can be 90 days to one year.

Super Visa insurance costs depend mainly on the applicant's age, health, deductible and coverage amount. For the IRCC minimum of $100,000 for one year (standard deductible, no pre-existing condition coverage), typical 2026 estimates are: age 50–59 about $930–$1,200 per year; age 60–69 about $1,300–$1,700; age 70–79 about $2,200–$2,800; age 80+ about $3,500–$5,000 or more. Prices vary by insurer, so compare quotes. Get a free quote from Life Advice or call +1 855-500-5041.

Yes. Many insurers offer Super Visa plans up to age 85 or older. Premiums are higher at older ages, and coverage for pre-existing conditions may be more limited, so comparing several insurers is especially important. Call us at 1-855-500-5041 for a free comparison.

Deductible is the amount of money that must be paid out of pocket before an insurer will pay any expenses. Deductible amount also affects the actual price of the insurance policy. The higher deductible you choose, the lower the actual price of the policy will be. However, it is not recommended to go over a $1,000 deductible since you may end up paying most of your medical

This all depends on the amount of risk you can take for example if you buy $1000 deductible it means you will pay first 1000 each time during claim, over and above policy will pay where as if you pick zero deductible the covered condition all amount will be covered by insurance policy.

Yes, the monthly payment plan option is also now available.

Yes. Many insurers offer couple coverage, sometimes with a small discount. Each parent must still have at least $100,000 of coverage and meet all IRCC rules, and each person's premium is based on their own age and health. We compare couple and individual options for you.

You need proof that the policy has been paid (in full, or with an approved monthly plan and deposit) and a policy document showing the insured person, coverage amount (minimum $100,000), coverage period (at least 1 year from entry) and the insurer. We send you the confirmation and policy documents as soon as the plan is purchased.

The policy should start on the day your parents enter Canada and stay in force for at least 365 days. If the travel date changes after you buy, most insurers let you change the start date before the policy begins, usually at no cost.

Most insurers refund the premium if the Super Visa is refused and the policy has not started. You send the refusal letter to the insurer. Some insurers charge a small administration fee, so check the refund rules before you buy.

Yes, you will get the remaining amount of fund back, but partial fund will not be provided if a claim has been submitted or is pending.

Yes, you can extend Super Visa Insurance while in Canada if you wish to extend your stay beyond the initial coverage period. Contact your insurance provider well in advance of the policy expiration date to discuss the extension process and requirements.

 It is important to note that the above information is general, and specific terms and conditions may vary it s recommended to reach us at +1 855-500-5041  or send us email at [email protected]

In case of Emergency you have to notify your insurance company as soon as possible of any emergency medical treatment or hospitalization. Your insurer will provide you with assistance, suggest the best options on where to get help, as well as arrange direct billing where possible. Failure to do so could result in decreasing your insurance benefit. Every insurance company has a toll free emergency phone number to call from Canada and collect call numbers to call from anywhere else. The phone numbers are always included in the policy.

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to the insurer. Please take care in filling out the form, as any missing information may cause delay.