Super Visa Insurance
From $6.02/day
Sample rate: parent 55, 365 days, $100,000 coverage (the IRCC minimum), $0 deductible. Your price depends on age and options.
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Designed to meet the Super Visa requirement for parents and grandparents: at least $100,000 in emergency medical coverage, valid for one year from entry.
If the Super Visa is refused, you can request a refund — see the refund provision.
The requirements When to buy Who needs it What it covers
Coverage amount What moves the price Health history
Cost Claims How to apply FAQ
The Super Visa insurance requirements
To meet the Super Visa medical-insurance condition, the policy must:
Source: Immigration, Refugees and Citizenship Canada (IRCC) Super Visa requirements. Requirements can change — confirm the current minimum coverage and approved-provider rules on the official IRCC page before relying on this. The Visitors to Canada plans we offer are designed to meet the Super Visa requirement. Not sure a policy qualifies? Run it through the Super Visa insurance checker.
When to buy: the application clock
Three real deadlines shape the timing — no countdown timers needed:
Dates can be adjusted if the visa takes longer than expected — see the refund and date-change terms in the policy wording, and the refusal refund provision below if the visa is refused outright.
Who needs Super Visa insurance?
Parents and grandparents of Canadian citizens or permanent residents who are applying for, or travelling on, a Super Visa. The insurance is a condition of the visa — proof of valid coverage is required at application and on entry.
What Super Visa insurance covers
| Coverage | Detail |
|---|---|
| Emergency medical | Hospital stays, surgery, doctor visits, prescriptions — up to the coverage amount you choose (the Super Visa minimum is $100,000; Visitors to Canada plans offer limits up to $300,000). |
| Hospitalization | Required by the Super Visa condition. |
| Repatriation | Return to the home country if medically necessary; return of remains. |
| Pre-existing conditions | The full Visitors to Canada plan covers stable pre-existing conditions; the stability period before the policy date is 120 days if you’re 59 or under, 180 days for ages 60–69, and 365 days for 70+. (The budget Basic Visitors plan does not cover pre-existing conditions at all — not ideal if there’s a health history.) See the pre-existing conditions hub. |
Choosing the coverage amount: $100,000 or more?
$100,000 is the IRCC floor, not a recommendation. Whether to choose more comes down to two honest questions:
There is no universally right answer — the quote shows the live price of each limit side by side, so you can weigh the difference in dollars rather than guesswork.
What moves the price — and which levers you control
| Factor | Can you control it? |
|---|---|
| Age — the biggest single factor; premiums are set by age band. | No — but it’s a reason not to delay a planned purchase. |
| Coverage amount — $100,000 minimum up to $300,000. | Yes — the quote prices each limit live. |
| Deductible — the amount you pay toward an eligible claim before the policy pays. | Yes — choosing a deductible lowers the premium; the exact discount for your profile is shown at the price step. |
| Health history — assessed in a short questionnaire where applicable. | No — answer accurately; accuracy is what protects the coverage at claim time. |
If there’s a health history
A managed condition doesn’t automatically mean no coverage. On the full Visitors to Canada plan, a pre-existing condition can be covered when it has been stable — no change to symptoms, medication, or treatment — for the age-based period before the policy date (120 days at 59 or under, 180 days at 60–69, 365 days at 70+).
Two practical implications: a recent medication or treatment change can restart that clock, and travellers 60 or over answer a short health question in the online flow. If any answer needs a “no — or I’m not sure”, the online funnel stops and a licensed advisor prices it personally instead — that’s deliberate, not a bug.
“Stable” is defined precisely in the policy wording — read it, or ask us, before assuming a condition qualifies. See the pre-existing conditions & stability hub.
How much does Super Visa insurance cost?
There’s no fixed price — premiums depend on the applicant’s age, the coverage amount ($100,000 vs higher), the policy length (a full year is required), the deductible you choose, and any pre-existing conditions assessed in a short medical questionnaire. Get an exact figure from the quote.
If something happens: how a claim actually works
- Call the 24/7 emergency line first — it answers worldwide, coordinates care, and can deal directly with the hospital on billing. Collect calls are accepted.
- Care and billing are coordinated — where the hospital bills the insurer directly, your parent isn’t fronting a five-figure bill and waiting for reimbursement.
- Claims are handled end-to-end by the policy administrator — see how claims actually work for the step-by-step, including refund requests.
The assistance number is on the policy confirmation — keep it saved in the visiting parent’s phone from day one.
How to get covered
- Get a quote for a one-year Visitors to Canada plan with at least $100,000 coverage.
- Buy the policy — the Canadian host can purchase it on behalf of the parent/grandparent.
- Submit proof of coverage with the Super Visa application.
Super Visa insurance FAQ
Can I buy Super Visa insurance for my parents from Canada?
Does the insurance have to be from a Canadian company?
When exactly should we buy it?
What happens if the Super Visa is refused?
Can both parents go on one policy?
Is a deductible allowed on Super Visa insurance?
Does it cover pre-existing conditions?
In a medical emergency abroad, call the assistance line before treatment so the team can direct your care and coordinate billing with the hospital. Multilingual, collect calls accepted worldwide.
All emergency numbers — including direct hospitalization and Mexico lines — are on the claims & emergency page. Assistance is provided by TuGo, the policy administrator.
