Question 1

What is the minimum coverage amount required for a Super Visa?

Accepted Answer

IRCC requires a minimum of $100,000 CAD in emergency medical coverage for every Super Visa applicant. The policy must cover healthcare, hospitalization, and repatriation, and must be valid for at least one year from your parent's or grandparent's planned date of entry into Canada. This is a firm requirement, and a policy that falls short can lead IRCC to refuse the application — final eligibility is always determined by IRCC. At Super Visa Quote, every plan we compare meets or exceeds these standards. Coverage options up to $1,000,000 are also available for families who want greater peace of mind.

Question 2

Does my parent need to be outside Canada to apply?

Accepted Answer

Yes. Super Visa insurance must be purchased and in effect before your parent or grandparent arrives in Canada. The policy needs to be active and ready for review by a border services officer at the point of entry. You cannot purchase Super Visa insurance after they have already arrived in Canada. We recommend securing coverage at least a few weeks before the travel date to ensure all documents are in order for the visa application.

Question 3

Can I buy Super Visa insurance before the visa is approved?

Accepted Answer

Yes, and in most cases you should. IRCC requires proof of paid insurance as part of the Super Visa application — a quote alone is not accepted. Most Canadian insurers, including those we work with, offer a full refund if the Super Visa is denied and no claims have been made (some may charge an administration fee), so purchasing before approval carries limited financial risk in most cases. This is one of the most common questions we receive, and it's exactly why choosing a plan that meets IRCC requirements with a strong visa-denial refund policy matters.

Question 4

What does Super Visa insurance cover?

Accepted Answer

A standard Super Visa insurance plan covers: emergency hospitalization, physician and specialist fees, diagnostic tests (X-rays, lab work), ambulance services, prescription drugs related to a covered emergency, and repatriation to the home country if required. Many plans we offer also include emergency dental care and follow-up treatment after a covered emergency. Coverage is specifically designed for the extended stays parents and grandparents make under the Super Visa program — up to five years per entry — unlike basic visitor insurance which is typically limited to shorter trips.

Question 5

Are pre-existing medical conditions covered?

Accepted Answer

Many Super Visa insurance plans do cover stable pre-existing conditions such as controlled diabetes, hypertension, and heart conditions — but the condition must have been stable for a defined period before travel, typically 90 to 180 days depending on the insurer. Coverage for pre-existing conditions does affect the premium, with plans typically ranging from $130 to $650 per month depending on age and health status. During our comparison process, we'll help you identify which insurers offer pre-existing condition coverage that fits your parent's specific health history — this is one of the most important factors to get right.

Question 6

What's the difference between Super Visa and visitor insurance?

Accepted Answer

The key differences are duration, minimum coverage, and IRCC compliance requirements. Super Visa insurance is specifically designed to meet IRCC's mandatory standards: minimum $100,000 coverage, valid for at least one year, paid in full (or via monthly instalments with full commitment). Visitor insurance is more flexible and typically designed for shorter trips of days or weeks. If your parent is visiting on a regular visitor visa, visitor insurance may be appropriate. If they are applying for the Super Visa — which allows stays of up to five years per entry — Super Visa insurance is required. A general visitor policy typically will not satisfy the Super Visa insurance requirement and can lead to a refusal; an advisor can help you confirm the plan meets IRCC's criteria.

Question 7

How much does Super Visa insurance cost?

Accepted Answer

Super Visa insurance for parents and grandparents typically costs between $100 and $400 per month per person, though the actual cost depends on several factors: age, health status, the coverage amount chosen, whether pre-existing conditions are included, and your payment method. As a general benchmark, a healthy 65-year-old may pay around $150/month, while an 80-year-old with pre-existing conditions could pay $300/month or more. The best way to find your actual cost is to compare plans — our quote tool compares rates from several established Canadian insurers including Manulife, TuGo, Destination Travel Group, GMS, and Secure Travel, so you can see your real options side by side.

Question 8

Can I pay monthly instead of annually?

Accepted Answer

Yes. We offer monthly payment options for Super Visa insurance so you don't have to pay the full annual premium upfront. This makes coverage more accessible for families managing multiple expenses. One important note: monthly plans can cost 20–30% more in total compared to paying annually, so if your budget allows, a lump-sum payment is the more cost-effective option. We'll show you both options side by side so you can make the right decision for your family.

Question 9

What happens if the visa is denied — do I get a refund?

Accepted Answer

If your parent's Super Visa is denied by IRCC and no claims have been made on the policy, most insurers we work with will refund the premium in full once you provide the official visa refusal letter. Refunds are subject to policy terms, and some insurers may charge an administration fee — we'll confirm the exact rules for your plan before you buy. Simply provide us with the visa refusal letter and we'll handle the cancellation and refund request on your behalf, so buying before the visa decision carries very little financial risk.

Question 10

How long does it take to get coverage?

Accepted Answer

In most cases, same-day coverage is available. Once you select a plan, submit your application, and payment is confirmed, your policy documents are issued by email — typically within a few hours. This means you can have a fully compliant Super Visa insurance certificate ready to submit with your visa application the same day. For applications with pre-existing conditions, there may be additional questions to answer, but the process is still fast. We recommend not leaving insurance to the last minute, as you'll want time to review the policy details carefully.

Question 11

Can I extend the policy if my parents stay longer?

Accepted Answer

Yes, most Super Visa insurance policies can be extended before the expiry date, provided no claims have been made or depending on your insurer's terms. This is especially relevant given the Super Visa allows stays of up to five years per entry. If your parents decide to extend their visit, contact us before the policy expires and we'll arrange a renewal or extension to ensure there is no lapse in coverage — a gap in coverage could affect re-entry into Canada. We proactively reach out to our clients ahead of renewal dates so nothing falls through the cracks.

Question 12

Which insurance companies do you work with?

Accepted Answer

We compare plans from Canada's leading insurers, including Manulife, TuGo, Destination Travel Group, GMS, and Secure Travel, among others. All insurers we work with are FSRA-licensed and meet the OSFI authorization standards required under the January 2025 IRCC updates. Rather than being tied to one provider, our role as independent advisors is to find you the plan that best fits your parent's age, health, coverage needs, and budget — with full transparency on what each plan covers and what it doesn't.

Factor	Typical Range	Notes
Coverage amount	$100,000 – $500,000	IRCC minimum is $100,000
Policy duration	1 year minimum	Required for visa application
Deductible options	$0 – $10,000	Higher deductible = lower premium
Monthly billing	Available from select insurers	Not all providers offer this
Pre-existing coverage	Varies by insurer and stability period	Declare all conditions accurately
Refund on visa denial	Usually a premium refund before travel	Confirm terms with insurer

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