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Compare Super Visa Insurance Quotes from Top Canadian Providers
IRCC-approved coverage for parents & grandparents visiting Canada
Secure your parents' visa application with confidence
PolicyAdvisor compares Super Visa plans from Canada’s top insurers, so you lock in the right coverage at a competitive price. Every plan we show you meets IRCC’s rules, offering $100,000 in emergency medical, hospitalization, and repatriation coverage your parents’ application needs.
Additionally, you don’t have to pay for the entire year upfront. You can choose a flexible monthly payment plan to spread the cost into smaller installments, and you’ll still receive your insurance certificate immediately to submit with your application. Best of all, your money is protected. If your parents’ or grandparents’ Super Visa application is refused by IRCC, you’ll receive a full refund of your premium, so you can secure their plan today with nothing to lose.
Super Visa insurance requirements
To meet IRCC requirements, your Super Visa insurance policy must satisfy all of the following criteria:
$100,000 minimum coverage
Your plan must provide at least $100,000 in emergency medical coverage. You can also choose $200,000 and $500,000 plans.
Valid for at least 1 year
The policy must be valid for a minimum of 365 days from the date your parent or grandparent enters Canada.
From a Canadian insurer
Coverage must be issued by a Canadian insurance company (or an OSFI-approved provider) to be accepted by IRCC.
Healthcare, hospital & repatriation
Plans must cover emergency healthcare, hospitalization, and repatriation of remains for the full stay.
Active & reviewable at entry
Proof of coverage must be valid and available for a border officer to review each time your family enters Canada.
Pay monthly or upfront
Pay the full year upfront, or spread it out with monthly payment options offered through leading Canadian providers.
What Super Visa insurance covers
Super Visa insurance is designed to cover unexpected medical emergencies and not routine check-ups. Here’s what’s included and what’s excluded.
What you’re protected for
- ✓Emergency hospitalization & medical care
- ✓Emergency surgery & ambulance (ground, air, sea)
- ✓Emergency dental treatment
- ✓Repatriation of remains & companion accommodation
- ✓Stable pre-existing conditions (optional, on eligible plans)
What to plan around
- ✕Routine doctor visits & preventive check-ups
- ✕Planned or elective procedures
- ✕Unstable or recently changed pre-existing conditions
- ✕Active cancer treatment, recent heart surgery or stroke
- ✕Care related to travel against a doctor’s advice
Get your personalized quote in minutes.
Compare tailored Super Visa insurance quotes for your parents or grandparents, with expert advice from PolicyAdvisor at no cost.
Best Super Visa insurance companies in Canada
We compare all of these top-rated Canadian insurers to find your parents or grandparents the right plan at the best price.
A strong global claims network with 24/7 multilingual emergency support and travel benefits beyond emergency medical.
Coverage up to $500,000 with flexible riders for unstable pre-existing conditions and adventure activities.
Comprehensive medical protection plus prescription drugs, accidental dental, and companion support from a trusted brand.
Affordable coverage built for seniors 60+, with optional pre-existing condition protection and monthly payments.
Competitive rates with unlimited prescription drugs and pre-existing conditions stable for 180 days.
21st Century offers some of the most affordable plans for healthy under-60s, while Destination Canada adds comprehensive AD&D, dental, and companion coverage.
How much does Super Visa insurance cost in 2026?
Age is the biggest factor, premiums rise as your parents or grandparents get older. Health history, coverage amount, and your deductible also affect the price.
Choosing a higher deductible (like $5,000) can significantly lower the premium, and adding pre-existing condition coverage raises it. Here are illustrative annual rates for $100,000 coverage.
A licensed PolicyAdvisor advisor will compare every top insurer to find the lowest rate for your family, at no cost.
Illustrative annual rates for $100,000 coverage, $1,000 deductible. Actual premiums vary by insurer, age, and health. Get a personalized quote for exact pricing.
Get your personalized quote in minutes.
Compare tailored Super Visa insurance quotes for your parents or grandparents, with expert advice from PolicyAdvisor at no cost.
- Emergency medical coverage
- Compare top insurers
- Single & multi-trip plans
Why get your Super Visa insurance through PolicyAdvisor?
- Compare every top Super Visa insurer
Compare Manulife, Allianz, TuGo, GMS, Secure Travel and more to find your family IRCC-compliant coverage at the lowest rate. - Guaranteed IRCC-compliant coverage
Every plan we recommend meets the $100,000 minimum and 1-year requirement, so your Super Visa application won’t be held up. - Pay monthly or all at once
Choose upfront payment option or flexible monthly installments, whatever works best for your family. - Refunds & lifetime support
Get a full premium refund if the Super Visa is refused. Your advisor is also here to help with renewals, claims, and policy changes.
Frequently Asked Questions
What is Super Visa insurance and is it mandatory?
Super Visa insurance is medical coverage that parents and grandparents must hold to qualify for a Super Visa. It is mandatory, IRCC requires proof of valid Canadian medical insurance with at least $100,000 in coverage, valid for a minimum of one year, covering healthcare, hospitalization, and repatriation.
How much coverage do I need for a Super Visa?
The minimum is $100,000 in emergency medical coverage from a Canadian insurer, valid for at least 365 days from the date of entry. You can also choose higher limits like $200,000 or $500,000 for added protection.
Can I buy Super Visa insurance for my parents or grandparents?
Yes. Canadian sponsors commonly buy the policy on behalf of their visiting parents or grandparents. You can purchase and manage the plan for them, and we’ll guide you through it.
Is a medical exam required?
No, there’s no medical exam, only health questions during the application. Answer them honestly, since inaccurate information can lead to a denied claim or cancelled policy.
Can I pay monthly instead of all upfront?
Yes. Since December 2022, monthly payment options are available through approved Canadian brokers. Note that for the visa application, IRCC may require proof of the full policy, your advisor will explain what’s needed
What happens if the Super Visa is refused?
If the application is refused, most insurers offer a full refund (often minus a small admin fee) when you provide the refusal letter before the policy start date. Early departure may also qualify for a partial refund if no claims were filed.
Are pre-existing conditions covered?
Stable pre-existing conditions can be covered on eligible plans, typically after a stability period of 90 to 180 days. Some conditions, like active cancer treatment or a recent heart event, may be excluded. We’ll match you to an insurer that fits your family’s health profile.
