Insurance & Protection
Super Visa Insurance in Canada$100,000+ medical coverage for visiting parents & grandparents
We place IRCC-compliant policies for families in Alberta, Ontario and British Columbia — compare coverage amounts, deductibles and pre-existing-condition wording, and get the confirmation letter your application needs.
- Minimum coverage required
- $100,000 CAD
- Minimum policy length
- 365 days
- Common coverage choices
- $100k · $150k · $300k
- Common deductibles
- $0 – $10,000
What IRCC requires
Minimum $100,000 coverage
The policy must provide at least $100,000 CAD in emergency medical care, hospitalization and repatriation for the person named on the Super Visa application.
Valid for at least one year
Coverage must be valid for a minimum of one year from the planned date of entry to Canada, and be paid in full (not a quote or a deposit) before the visa is decided.
Approved insurer
The policy must come from a Canadian insurance company, or from an IRCC-designated insurer outside Canada. We only place policies that meet this test.
Proof letter for IRCC
You submit a confirmation letter showing the insured person, coverage amount, effective dates and that the premium is paid. We issue it the same day the policy is bound.
Super Visa premium estimator
Estimates use typical Canadian visitor-to-Canada market rates for a one-year policy. Your final premium depends on the insurer, medical questionnaire and travel dates — we confirm it in writing before anything is paid.
Applicant age
Coverage amount
Deductible
Estimated annual premium
$2,400 – $3,200
for 2 people, one full year of coverage
Estimate only, based on typical market rates. Your written quote may differ after the medical questionnaire and travel dates are reviewed.
Get my exact quoteSuper Visa insurance questions
How much does Super Visa insurance cost in Canada?
Premiums are driven by age, coverage amount, deductible and whether pre-existing conditions are covered. A healthy parent aged 60–64 usually lands in the $1,200–$1,600 range per year for $100,000 of coverage, while an applicant aged 75–79 is typically $2,500–$3,400. Use the estimator on this page for your own age, then we confirm the exact premium with a written quote.
Can I pay monthly instead of one lump sum?
Yes. Most approved insurers offer a monthly plan, but IRCC still requires proof that a full year of coverage is in force. We set up the monthly schedule and issue the one-year confirmation letter together.
What happens if the Super Visa is refused?
Approved Super Visa policies are refundable in full when the visa is refused and you have not travelled — you send us the refusal letter and we process the refund with the insurer. If your parent enters Canada and then returns home early, you get a pro-rated refund for the unused portion, provided no claim was made.
Are pre-existing conditions covered?
Only if you buy a plan with a stability clause and the condition has been stable for the required period — usually 90 or 180 days before the effective date. Coverage for pre-existing conditions typically adds roughly 20–30% to the premium. We compare the stability wording between insurers, because it is the single most common reason a claim is denied.
Does a higher deductible really save money?
It does — moving from a $0 to a $1,000 deductible commonly saves around 10–15%, and larger deductibles save more. The trade-off is that you pay that amount out of pocket on the first claim, so we normally recommend it only when the family can absorb the cost comfortably.
Get a Super Visa quote today
Send us the applicant's age, arrival date and any health conditions — we come back with compliant options and the confirmation letter for the application.