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You finally got them to agree to visit. Now you’re staring at a list of visa requirements and wondering where to even start.
The insurance part trips up a lot of people. Not because it’s complicated – but because one wrong move and the whole application comes back rejected.
Super visa insurance for parents in Canada isn’t a suggestion. IRCC won’t look at the application without it. And if your parents land in a Canadian emergency room with no valid policy, you’re looking at bills most families can’t absorb.
We work with 25+ licensed Canadian insurers. We find the best plans for emergency medical coverage in Canada for parents or grandparents on a super visa that fits your parent’s health and your budget. Monthly payments available, so you’re not stuck paying a full year upfront while still waiting on the visa.
Super visa Canada insurance is an emergency medical coverage built for one specific purpose – protecting parents and grandparents who visit Canada on a Super Visa.
It’s not travel insurance. A regular travel policy from back home won’t work here. IRCC is very specific: the policy must come from a Canadian insurance company. That’s not something you can work around.
Think about what can go wrong. A fall down the stairs. Chest pains at 2 am. A stroke. Any of these in a Canadian hospital, without coverage, can cost your family $30,000 to $150,000. Sometimes more.
Super visa insurance picks up that cost. That’s the whole point.
The policy needs to cover at least $100,000 in emergency medical expenses. It needs to stay active for a full year from the day your parents arrive. Super visa insurance is designed around exactly these rules – it’s not a generic product with an IRCC sticker on it.
Get this section wrong and the visa application gets rejected. Simple as that.
Every policy submitted to IRCC must meet these Canada IRCC requirements – no exceptions, no partial credit:
| Number of Family | MembersMinimum Annual Income (CAD) |
| 1 | $30,526 |
| 2 | $38,002 |
| 3 | $46,720 |
| 4 | $56,724 |
| 5 | $64,302 |
| 6 | $72,567 |
| 7 | $80,811 |
| Each additional member | + $8,244 |
That covers the insurance side of Super Visa Insurance Requirements (IRCC). But the full application needs a few more things.
Anyone who gives you a price before asking a single question about the applicant is making it up.
Super Visa insurance costs in Canada are different for every person. Here is what actually moves the number:
This remains the single biggest factor. Due to rising healthcare costs, the "pricing jump" at ages 71 and 76 is much steeper in 2026 than in previous years.
Some conditions push the premium up by 25–40%. In 2026, insurers have become more precise with "stability periods," often requiring 90 to 180 days of no change in health to qualify for coverage.
$100,000 is still the IRCC minimum. However, with Canadian hospital rates now averaging $4,000–$10,000 per day for non-residents, many families are upgrading to $150,000 - $200,000 for better protection.
Choose a higher deductible and the monthly cost comes down. A $1,000 deductible is a common choice in 2026 to help offset the general rise in annual premiums.
This continues to surprise people. For the same 65-year-old applicant, quotes from different 2026 providers can vary by as much as $600. Comparing multiple Canadian insurers is the only way to find the "floor" price.
Based on $100,000 coverage with a $0 or low deductible.
| Applicant Age | Coverage Amount | Est. Annual Cost | Monthly Option |
| 51–60 years | $100,000 | $900 – $1,200 | ~$90 – $100/mo |
| 61–65 years | $100,000 | $1,300 – $2600 | ~$110 – $220/mo |
| 66–75 years | $100,000 | $1800 – $5000 | ~$150 – $400/mo |
| 76+ years | $100,000 | $3,500 – $6,000+ | ~$300 – $500+/mo |
| Any age | $150,000+ | Higher premium | Available on request |
Real premiums depend on health history, deductible, and provider. These are starting points, not final prices.
Cheap super visa insurance in Canada exists. But cheap and good aren’t always the same thing.
Some of those low-cost plans have deductibles sitting at $5,000 or higher. Others exclude the exact conditions your parent is most likely to need covered. You only find out when you file a claim.
We help you cut costs in places that make sense – a smarter deductible, a better-matched provider – without quietly gutting the coverage.
Two months upfront. One time setup fees ($50-$120 depending on the provider) That’s all you need to get the insurance documents issued for the visa application. The remaining ten payments kick in after your parents arrive in Canada.
Useful when you’re not sure exactly when they’ll land. Useful when you’d rather not hand over a year’s worth of premium before the visa is even approved.
Super visa insurance quotes in Canada look very different depending on who you ask and how many providers they can actually access.
Some brokers work with one or two insurers. We work with 10+ specialized providers who deal with super visa insurance. That gap in access shows up directly in the quotes we can pull for you.
A quote from us gives you a real side-by-side comparison. You see the coverage limits, the deductibles, what’s excluded, and the actual monthly or annual cost – not a vague range. We look at your parent’s specific age and health situation before pulling anything.
We’re not representing any single insurance company. Finding the best super visa insurance in Canada for your family is what we’re here to do.
We go across the full market. Every plan we recommend is IRCC-compliant. Every insurer on our list has a track record we've checked.
Most major Canadian hospitals have direct billing arrangements with our insurance partners. Your parents get treated. The insurer pays the hospital. No out-of-pocket payment, no paperwork chase afterward.
Walk-in clinics are different. Many still ask for payment upfront and you claim it back later.
Some plans do cover pre-existing conditions but only if the applicant has been stable for 90 to 180 days before the policy starts. Stable means no new diagnosis, no new medications, no treatment changes in that window.
We look at your parent's actual health picture and find a plan that fits it - not one that looks fine until a claim comes in.
Your parents land. They're covered. No waiting period, no gap on day one, no asterisk.
Most plans refund unused premiums if IRCC rejects the application and your parents never travel. Every provider handles the terms slightly differently. We check before we recommend - not after you've already paid.
Over 2,500 families across Canada have come through us for the best super visa insurance in Canada. More than 500 claims settled. 200+ licensed advisors in our network.
This is the heart of the policy. Surgery, inpatient stays, specialist visits - covered up to your policy limit. The $100,000 minimum exists because a serious hospital admission can hit that number faster than most people expect.
A broken tooth from a fall, a jaw injury from an accident - yes, covered. A regular checkup or planned dental work - not covered.
Medications prescribed because of a covered emergency are included. Ongoing prescriptions your parents were already on before leaving home fall outside standard coverage.
Bloodwork, X-rays, MRIs, licensed ambulances - all part of most plans when connected to a covered emergency.
In the event of a death during the visit, most plans cover the cost of returning your parent’s remains to their home country. It’s not something anyone wants to think about, but it’s a critical detail that can prevent significant financial and logistical stress during an already difficult time.
Read the policy wording before you sign. If something’s unclear, ask before buying – not after something goes wrong.
STEP 1
Book a complimentary 15-minute phone call. We ask about the applicant’s age, health history, travel dates, and what the budget looks like. No forms to fill yet. No commitment required.
STEP 3
Pick a plan and we walk you through what’s needed. Usually applicant ID, a health declaration, and the completed application form.
For Your Parents And Grandparents
Long Stay
Let’s get you a customized
insurance plan.
STEP 2
We pull options from our diverse and reliable provider network. We go through each one with you, what it covers, what the deductible is, how pre-existing conditions are handled, and what’s excluded. You see the full picture.
STEP 4
Your insurance certificate – the one IRCC needs to see – comes through after approval. For most standard applications, this happens within 10 minutes.
IRCC requires at least $100,000 in emergency medical coverage. The policy must be valid for one full year, issued by a Canadian insurer, and included with the visa application.
Age and health history drive the number more than anything else. A healthy applicant in their late 40s might pay around $800 a year. Someone over 70 could be looking at $3,000 to $3,500 or more. The only way to get your actual number is a personalized quote – we do it for free.
Yes. Two months upfront and your documents are issued. The remaining payments begin once your parents arrive in Canada.
Most plans refund the unused premium if IRCC denies the application and your parents never travel. Terms vary by provider. We check this before recommending anything.
Some plans cover them if the applicant has been stable for 90 to 180 days – no new treatments, no medication changes, no new symptoms during that period. We match people to plans based on their actual health history.
At most major hospitals, yes. Walk-in clinics often don’t have direct billing and may ask for payment first, with reimbursement to follow.
No. The Immigration Medical Examination is a separate IRCC requirement. It runs parallel to the insurance process and has nothing to do with your policy.
Your parent’s health situation is specific. Their age, their conditions, when they’re arriving – it all affects what plan makes sense.
We’ve done this for over 2,500 families. We know which providers handle pre-existing conditions well. We know where you can get cheap super visa insurance in Canada without losing the coverage that matters. And we check super visa insurance quotes in Canada across 25+ insurers before giving you anything.
No obligation. No pressure on the call. And if the visa gets rejected, you get your money back.