Unsure about Super Visa requirements or coverage?
Call at +1 (778) 798-1994 and get expert help choosing the right Super Visa insurance plan.
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06/08/2025
Get expert help choosing the right Super Visa policy.
Schedule a Meeting!Imagine this, you've spent months planning your parents' long-awaited visit to Canada. You've already booked their flights, you're bursting with excitement, and then your Super Visa application is rejected due to the wrong super visa insurance policy! Suddenly, your exciting family reunion doesn't feel so exciting. At Wiseconomy, we understand this can be soul-crushing for families. Truthfully, most rejections occur due to silly mistakes. You can prevent these issues from happening by preparing the application properly and getting the correct advice.
By learning about Super Visa insurance, its requirements, understanding what can affect its eligibility in Canada, and by following our suggestions you can avoid the mistakes and will be off to a great start.
Let’s handle them all one by one.
Before we delve into the reasons for denials, we want to ensure the fundamentals are understood.
Super Visa Insurance is the mandatory medical insurance policy for parents and grandparents applying for a Canadian Super Visa. The primary purpose is to provide insurance solutions in case of an emergency treatment, prescription drugs, hospitalization, etc. It covers the unexpected medical expenses, sparing families from undue distress and eventual hardship.
Before we delve into the reasons for denials, we want to ensure the fundamentals are understood.
Super Visa Insurance is the mandatory medical insurance policy for parents and grandparents applying for a Canadian Super Visa. The primary purpose is to provide insurance solutions in case of an emergency treatment, prescription drugs, hospitalization, etc. It covers the unexpected medical expenses, sparing families from undue distress and eventual hardship.
Minimum Requirements for a Super Visa Insurance:
At Wiseconomy we ensure that every policy we recommend is appraised to comply with these rules, so your application is not denied for a technical reason.
Call at +1 (778) 798-1994 and get expert help choosing the right Super Visa insurance plan.
Schedule A Meeting
Unsure about Super Visa requirements or coverage?
We often see applications with heart disease, diabetes, and a history of stroke, which typically lead to denials. Most insurance providers require a stability period between 90 and 180 days with no modifications in medication or treatment.
Our Advice: We will help find insurers that will cover stable pre-existing conditions and assist you in compiling the right medical documentation.
We have seen that the following conditions always delay or complicate approvals:
Our Tip: Complete disclosure and a doctor’s statement indicating the condition is stable can help improve chances of approval dramatically.
If your parents have had recent hospitalizations, surgeries, and changes to their medication, that can be a cause for concern for insurers.
Our Advice: If your parent does have a recent medical change, we may indicate to hold off on the application or obtain a note from their doctor declaring stability.
One of the biggest reasons for rejection is not disclosing their full medical history.
Our Advice: We will guide you through the full disclosure process to make sure nothing large is missed which could impact your claim later.
Because not all providers are compliant with Canadian immigration standards, some families buy policies from non-recognized companies without knowing it’s the wrong one.
Our Tip: We only recommend reputable, recognized insurers to ensure compliance with immigration rules.
Policies that have less than $100,000 in coverage, or with a term of less than one year, will be automatically rejected.
Our Tip: We clarify your policy’s coverage amount and term before we move forward.
Even when you have valid insurance, eligibility for an application can be denied if the sponsors do not pass Canada’s Low-Income Cut-Off (LICO).
Our Tip: Work with an immigration professional who can guide you with the right process.
i) Apply Well in Advance: Don’t leave your Super Visa insurance application to the last minute. By doing this, you are allowing time to deal with any issues that may come up.
ii) Be Transparent: Give fully open and honest information to ensure you mitigate against future claims being denied.
iii) Read the Fine Print: Check for inclusions, exclusions, and amounts for deductibles to match what is covered on each policy.
iv) Consult with the right people: As your consultants, we search multiple providers that best fit your needs before we recommend coverage to you.
v) Have your Documentation Ready: Make sure you have proof of income and medical records to help speed up the underwriting and to prevent requests for further information along the way.
A denial of Super Visa Insurance application can cause significant inconvenience and frustration, however with proper guidance you can avoid this issue altogether.
At Wiseconomy, we have assisted countless families obtain approval in the past because we ensure all requirements are met, and each family has the necessary explanation for the entire process.
We will partner with you through the complexities of understanding the fine print in the policy paperwork. We will recommend the best insurer to work with, so that your parents have a wonderful adventure to Canada. Ultimately, we make sure it should be a stress-free experience for all involved.
Are you ready to get a Super Visa Insurance application without the risk of a denial? Connect with us today, and we will ensure you do it correctly the first time.
Founder, Wiseconomy
Certified LLQP professional with years of experience helping individuals navigate Canada’s financial landscape, select bespoke insurance coverage, and create personalized investment strategies tailored to their unique goals, needs, and long-term financial well-being.
Explore frequently asked questions for quick help, common topics, and essential information.
To be eligible, the policy must have a minimum of $100,000 coverage, be valid for a minimum of one year from the date of arrival, include coverage for hospitalization, medical care, and repatriation of remains. It must also be purchased from an approved Canadian insurance provider.
Yes, but it depends on the insurer. Many insurers will only apply coverage for pre-existing conditions if they are considered ‘stable’. This means that there have been no changes in treatment, medication, or symptoms for 90 to 180 days. At Wiseconomy, we assist clients in finding insurance companies that have guaranteed minimum increases in the stability clauses that would increase their chances.
You can increase eligibility by: Providing completed medical disclosures, meeting the minimum income requirements of the sponsor, and working with a consultant to choose an approved insurer. Providing supporting documentation, in the form of physician notes, and supporting the income requirements with bank records and tax records, can help your application.
If denied, you can reapply with corrected or additional information, or select another insurer. Some policies also allow refunds in case of a visa denial, so reviewing refund terms before purchasing is essential.
We act as your consultant, reviewing medical disclosures, verifying compliance with Super Visa insurance requirements, recommending trusted Canadian insurers, and ensuring financial eligibility criteria are met. Our goal is to simplify the process and maximize approval chances for your family.
