Super Visa Insurance
Super Visa Insurance is needed when you apply for a Super Visa for your family, parents or grand-parents.
Super Visa Insurance is needed when you apply for a Super Visa for your family, parents or grand-parents.
Why Choosing us:we are a reputable, experienced insurance provider, we provide flexible and affordable Travel Insurance Plan from multiple insurance companies like Manulife Insurance, GMS, TIC Insurance, SRMRM insurance, Travelance Insurance, TUGO, 21st Century, we provide services in Kitchener, Waterloo, Cambridge, Guelph, Stratford ,Hamilton, Brantford, Woodstock, London, Milton, Mississauga, Brampton, Toronto. Super Visa Insurance : Super Visa is a new option for parents and grandparents of Canadian citizens and permanent residents to visit their family in Canada. These individuals may be eligible to apply for the Parent and Grandparent Super Visa to visit their family in Canada for up to 2 years without the need to renew their status. Super Visa Insurance provides coverage for emergency medical and hospital care in Canada. This insurance is valid for 365 days.
Super visa Requirements : To obtain a Parent or Grandparent Super Visa for Canada, applicants must have valid Super Visa Insurance. With Super Visa applications They need to provide a proof that they have private medical insurance from a Canadian insurance company valid for a minimum of 1 year from a Canadian insurance company and that it: Here’s the things you need to know before you buy Super Visa Insurance Pre-existing Condition: A Pre-existing condition depends on your health condition means the critical illness, injury, symptom(s) that exists before and after effective date of insurance. Sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition. Deductible: Most plans have a variety of deductibles. The deductible is the amount of each claim that you will pay. A $0 deductible means the insurance company pays 100% of each eligible claim. A $1000 deductible means you will pay up to $1000 of each eligible claim and the insurance company will only pay amounts in excess of the $1000. Multiple Entry: Multiple entry coverage provides intermittent coverage that allows you to travel back and forth between Canada and your home country. Your coverage will be interrupted when you return to your home country, and then be automatically reinstated when you return to Canada. Plans that do not offer Multiple Entry have coverage that stops as soon as you return to your home country. Side Trip: Side trip coverage provides travel health insurance for any trips you take outside Canada during your stay, i.e. if you take vacations to the U.S. If you expect to spend some time outside of Canada during the term of your super visa, you should choose a plan that has side trip coverage. Refundable: The government requires that you purchase coverage for a full year. If you’re planning on staying less than a year a refundable plan will allow you to receive a refund of the unused portion of the annual/yearly premiums. These refunds come with conditions, so again it’s important that you read the policy.
Super Visa insurance · Ontario
Bringing your parents or grandparents to Kitchener, Waterloo, Cambridge, Guelph, Brampton or anywhere in Ontario on a Super Visa?
Every Super Visa applicant must buy private medical insurance before the visa is approved. Life Advice Insurance Inc. compares Super Visa plans from 20+ Canadian insurers, so your family gets the right coverage at the right price, with monthly payment options and plans for stable pre-existing conditions.
Most of the families we help are inviting parents from India, and we can explain every plan in English, Hindi or Punjabi. Families in Waterloo Region can read our Super Visa insurance Kitchener guide.
Why the Super Visa matters more in 2026
For most families, the Super Visa is now the main way to bring parents and grandparents for long visits. It lets them:
Your first steps
Check that you meet IRCC's minimum income for your family size. Count your parents too.
A signed invitation letter that promises financial support during the visit.
Your parents book an immigration medical exam with an IRCC panel physician.
Choose a plan that starts on the arrival date. Get quotes →
Include the insurance confirmation, invitation letter and proof of income.
Keep printed copies of the visa, policy and payment receipt.
Always check current IRCC guidance before you apply.
IRCC requires private medical insurance that:
Always check the IRCC Super Visa page for the latest rules before you apply.
Visitors are not covered by OHIP. If your father needs emergency care at Grand River Hospital or St. Mary's General in Kitchener, Cambridge Memorial, Guelph General or any Ontario hospital, the bill goes to your family at non-resident rates. An emergency visit can cost hundreds of dollars, a hospital bed several thousand dollars a day, and a heart attack or stroke with surgery can reach tens of thousands.
Super Visa insurance is for emergencies. It does not cover routine check-ups, regular refills, or pre-existing conditions that are not stable or are excluded.
Most families who call us want four answers before they buy. Other websites rarely explain these clearly, so here is how they work.
If the Super Visa is refused, most insurers refund the full premium when you send the refusal letter, as long as the policy has not started. If your parent leaves Canada early and no claim has been made, many plans refund unused months, often minus a small fee. Rules differ by insurer, so compare them before you buy.
Paying a full year upfront can be hard. Many insurers offer monthly plans with a deposit, and IRCC accepts instalment plans that meet the Super Visa rules. Compare the 12-month total, not just the first payment.
Most parents have at least one condition, such as diabetes, high blood pressure or a heart condition. Many plans cover it if it is stable, which usually means no new symptoms, treatment or medication change for a set period, often 90 or 180 days. List every medication and dose, note any change in the last 6 to 12 months, and answer every medical question honestly.
Every insurer sets its own price and benefits. The main price factors are listed below, so compare several insurers for the same coverage before you choose.
Many insurers offer Super Visa plans to age 85 or older. Prices are higher and some plans limit pre-existing coverage, so comparing several insurers matters most for older parents.
Your parents can stay up to 5 years at a time, but each policy only needs to last 1 year. Start comparing at least 30 days before the policy ends, and make sure the new policy starts the day after the old one ends, with no gap. Age and health changes can affect the price, so it is worth comparing again each year.
Imagine a family in Kitchener inviting parents aged 68 and 72 from India. The father has high blood pressure that has been stable for two years on the same medication. Comparing several insurers side by side shows which plans cover his stable condition, which offer a couple rate, and what a $1,000 deductible and monthly payments would cost. The family picks the plan that fits their budget, uploads the insurance confirmation with the online application, and keeps copies for the airport.
Get your free Super Visa quote today. Call 1-855-500-5041 or compare plans online.
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.
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.
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.
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.