TruStone (HMC) Super Visa Insurance for Parents and Grandparents Visiting Canada

Compare TruStone (Empire Life) Super Visa Insurance — the HMC plan offers coverage from $10,000 to $200,000, an optional 365-day pre-existing stability window, a waivable waiting period, and clear refund rules — for parents and grandparents visiting Canada.

Compare TruStone (Empire Life) quote fit
Coverage amounts from $10,000 to $200,000
Optional 365-day pre-existing stability window
Waiting period and refund considerations

Why Families Compare TruStone (Empire Life) Visitors to Canada Insurance

TruStone's HMC (Hospital Medical Care) plan is underwritten by The Empire Life Insurance Company and administered by TruStone Health, a division of TruStone Financial Inc. Unlike providers that offer multiple plan tiers, TruStone offers a single HMC plan with coverage-amount options — families choose how much coverage they want, from $10,000 up to $200,000, rather than choosing between tiers.

For families comparing Super Visa insurance, TruStone is often considered when an applicant wants a longer pre-existing condition stability window — TruStone's optional 365-day stability option is one of the longer windows among the Canadian Super Visa providers we work with.

TruStone (HMC) Super Visa Insurance Coverage

TruStone's HMC (Hospital Medical Care) plan offers coverage amounts of $10,000, $25,000, $50,000, $100,000, $150,000, or $200,000 — you choose the amount rather than selecting between plan tiers. If you hold more than one Empire Life travel insurance contract at the same time, total aggregate liability across all of them is capped at $200,000, and any excess premium is refunded.

For families comparing medical insurance for Super Visa, the most important coverage questions are

Does the policy meet the current Super Visa insurance requirement?
Is the policy valid for the required period (up to a 365-day policy period)?
What coverage amount is selected — does it meet the IRCC minimum and the family's comfort level (up to $200,000)?
Are emergency medical expenses, hospitalization, and repatriation covered?
What is the pre-existing condition stability window, and is the optional 365-day stability upgrade selected?
Is there a waiting period if the visitor is already in Canada?
What happens if the visa is refused?

Coverage depends on the selected amount, applicant eligibility, policy wording, exclusions, and medical stability requirements.

TruStone Super Visa Insurance and IRCC Requirements

For a Parent and Grandparent Super Visa, IRCC requires proof of private health insurance valid for at least one year from the date of entry, meeting the current minimum coverage amount (confirm the current figure with your advisor, as requirements can change). TruStone's HMC plan offers coverage amounts from $10,000 up to $200,000 — families should select an amount that meets or exceeds the current IRCC minimum, and confirm the policy term and proof-of-insurance documentation with their advisor before applying.

TruStone (HMC) Pre-Existing Conditions: the 365-Day Stability Option

This is one of TruStone's most distinctive features. With TruStone's optional 365-day stability upgrade, a pre-existing condition that has been stable for the 365 days before the trip may be eligible for coverage — one of the longer stability windows available among the providers we work with.

When this option is selected, TruStone applies the same general "stable" concept used across the industry over the 365-day window — no new diagnosis, no change in medication or dosage, no new or worsening symptoms, no pending tests or treatment, and no hospitalization. Our Pre-Existing Conditions Guide explains what "stable" means in more detail.

Whether the 365-day stability option is included or needs to be added — and how the medical questionnaire applies to your parent's or grandparent's actual history — is exactly what our advisor can walk through with you. Confirm current terms with your advisor before purchasing. For a deeper walkthrough, see our TruStone Pre-Existing Conditions page.

TruStone Super Visa Insurance Cost

The cost of a TruStone policy can vary significantly between applicants — a quote for a 55-year-old parent may look very different from a quote for an 80-year-old grandparent, even at the same coverage amount.

Cost may depend on

Age of the parent or grandparent
Coverage amount selected ($10,000 to $200,000)
Travel start date and policy length (up to a 365-day policy period)
Medical history, and whether the optional 365-day stability option is selected
Whether one or both parents need coverage
Whether the visitor is already in Canada (affects the waiting period)
Annual payment vs. other payment options

Is TruStone Cheap Super Visa Insurance?

TruStone's coverage-amount structure (rather than tiered plans) can make it competitively priced for some applicants, particularly those comfortable with a lower coverage amount. But the cheapest option isn't automatically the best fit — families should still review:

Whether the selected coverage amount meets IRCC requirements
Whether the optional 365-day stability option is needed and selected
Whether the 5-day waiting period (if purchasing after arrival) works with travel plans
Whether the refund rules fit the family's situation

TruStone Super Visa Insurance Deductible Options

TruStone's HMC plan is structured around coverage-amount selection ($10,000 to $200,000) rather than a traditional deductible ladder. If a deductible option applies to your selected coverage amount, our advisor can confirm the available choices and how they affect your premium and any out-of-pocket cost during a claim.

TruStone Super Visa Insurance Monthly Payment Options

Many families search for monthly Super Visa insurance to manage cash flow rather than paying the full premium upfront. If you're looking for monthly payment options for a TruStone policy, our advisor can confirm what's currently available for your parent's quote and compare TruStone with other providers offering monthly Super Visa insurance plans.

TruStone Super Visa Insurance Waiting Period

If you purchase a TruStone policy after arriving in Canada, a 5-day waiting period applies before coverage begins for a sickness. This waiting period can be waived if you can show proof of continuous coverage from another Canadian travel insurance policy.

This 5-day window is on the longer end compared with some other providers (which use 48 hours in similar after-arrival scenarios) — if timing is tight, ask our advisor whether the waiver applies to your situation or whether another provider's waiting-period rules might fit better.

TruStone Super Visa Insurance Notification Requirements

If a medical emergency or hospitalization occurs, TruStone requires you to contact the assistance line (Trident Global Assistance) within 48 hours. If you don't, eligible benefits may be reduced by 20%, and if you selected a coverage amount of $50,000 or more, your effective coverage limit may be restricted to $25,000 (this restriction does not apply to Accidental Death Coverage). This penalty can be waived if your medical condition prevented you from calling, provided you contacted them as soon as it was reasonably possible.

The safest approach is always the same: call the assistance line as soon as possible in any emergency. Assistance line: 1-833-370-8777, or call collect at 416-814-7615 from outside North America.

Compare TruStone Super Visa insurance before you buy

Send the parent or grandparent age, travel dates, coverage amount, and medical-history notes. We can help compare TruStone with other Super Visa insurance providers.

Get a Free Quote Call +1 416 887 0700 Message on WhatsApp

TruStone Super Visa Insurance Refund Policy

Refund rules matter because many families buy Super Visa insurance before the visa decision comes back.

If your Super Visa application is denied and you have a denial letter, and you cancel before the policy's effective date, TruStone refunds your premium without a short-rate penalty.
Cancelling before arrival without a denial letter is subject to a $250 fee.
Other refund scenarios may qualify — for example, if the Super Visa requirement no longer applies, the traveller leaves Canada before the policy's termination date, or a dependent or spouse is removed — subject to a returned contract, no claim paid, pending, or declined, and proof of the relevant condition.
The minimum refund is $20; refunds under $20 are not processed.

Confirm your specific refund scenario with your advisor before cancelling.

AD&D (Accidental Death and Dismemberment)

TruStone's HMC plan does not include Accidental Death and Dismemberment as a core benefit. Empire Life offers Accidental Death Coverage as an optional purchase that can be added to the contract — if AD&D matters to your family, ask our advisor whether to add it with TruStone or whether another provider that includes AD&D as a base benefit is a better fit.

TruStone Super Visa Insurance for Parents Visiting Canada

TruStone may be considered by families searching for visitor visa insurance for parents, visitor visa medical insurance, or medical insurance for a Super Visa — particularly families who want to review the 365-day pre-existing stability option for a parent or grandparent with a longer-standing medical history. As with any provider, the selected policy should be suitable for the length of stay and meet the current Super Visa insurance requirement.

TruStone vs. Other Providers

TruStone may be a good fit for some families — particularly those prioritizing the optional 365-day pre-existing stability option — but it should still be compared against other Super Visa insurance providers, since pricing, coverage maximums, and pre-existing rules vary.

Families commonly compare TruStone with

Manulife Super Visa Insurance
TuGo Super Visa Insurance
Secure Travel (RIMI) Super Visa Insurance
GMS Super Visa Insurance
Destination Canada Super Visa Insurance
Travelance Super Visa Insurance
21st Century Super Visa Insurance
AwayCare Super Visa Insurance

Why Compare TruStone Through Super Visa Quote?

When you review only one provider, you see only one set of rates, plan details, and policy conditions. Comparing TruStone alongside other providers lets you review premium, coverage amount ($10,000 to $200,000 for TruStone), pre-existing condition stability options (the optional 365-day window for TruStone), waiting period (5 days after arrival, waivable), refund rules ($250 fee, or no penalty with a denial letter), and AD&D availability.

Who Should Consider TruStone Super Visa Insurance?

Parents or grandparents applying for or holding a Super Visa
Families wanting to review a 365-day pre-existing condition stability option
Applicants comfortable with a coverage-amount structure (up to $200,000) rather than tiered plans
Families comparing Canadian Super Visa insurance companies before choosing

The best provider depends on the applicant's age, health history, travel dates, coverage needs, and refund expectations — our advisor can help compare TruStone against other options for your specific situation.

Get a TruStone Super Visa Insurance Quote

Looking for a TruStone Super Visa insurance quote for your parent or grandparent? We can help you compare TruStone with other Super Visa insurance providers and explain the important details — coverage amount, the optional 365-day stability option, waiting period, and refund rules — before you buy.

Compare

TruStone Super Visa insurance cost
Coverage amount options ($10,000 to $200,000)
Optional 365-day pre-existing stability option
Waiting period and notification requirements
Refund rules
Other Canadian Super Visa insurance providers

Provider FAQs

Does TruStone offer Super Visa insurance?

Yes. TruStone's HMC plan, underwritten by The Empire Life Insurance Company, is designed for visitors to Canada, including parents and grandparents applying for or holding a Super Visa. The selected coverage amount and any optional stability upgrade should be confirmed against current IRCC requirements with our advisor.

Who underwrites TruStone's Super Visa insurance?

TruStone's HMC (Hospital Medical Care) plan is underwritten by The Empire Life Insurance Company and administered by TruStone Health, a division of TruStone Financial Inc.

What is TruStone's maximum coverage amount?

TruStone's HMC plan offers coverage amounts up to $200,000. If you hold more than one Empire Life travel insurance contract at the same time, the aggregate liability across all of them is capped at $200,000, with any excess premium refunded.

Does TruStone cover pre-existing conditions?

TruStone offers an optional 365-day stability option, under which a condition that has been stable for the 365 days before the trip may be eligible for coverage. Confirm with our advisor whether this option is included or needs to be added, and how it applies to your specific medical history. Our Pre-Existing Conditions Guide explains what "stable" means.

Is there a waiting period with TruStone?

If you purchase after arriving in Canada, a 5-day waiting period applies before coverage begins for a sickness — this can be waived with proof of continuous coverage from another Canadian travel policy.

Can I get a refund if my Super Visa is refused?

If you have a denial letter and cancel before the policy's effective date, TruStone refunds without a short-rate penalty. Cancelling before arrival without a denial letter is subject to a $250 fee. The minimum refund is $20, and there is no refund once a claim has been paid, pending, or declined.

Should I buy TruStone directly or compare first?

Comparing first lets you see how TruStone's coverage amounts, optional 365-day stability option, waiting period, and refund rules stack up against other providers for your specific situation — at no extra cost to you.

Continue Comparing Super Visa Insurance Providers

Information Accurate as of July 2025

Insurance providers update their plan wordings, coverage limits, and pricing periodically. The details on this page reflect the TruStone HMC policy wording (underwritten by The Empire Life Insurance Company) available to us as of July 2025 and are provided for general guidance only. Our advisor can confirm the current policy wording, exact pricing, and whether a specific condition or scenario applies to your situation before you buy.

Related Insights and Guides

Compare TruStone Super Visa insurance before you buy

Send the parent or grandparent age, travel dates, coverage amount, and medical-history notes. We can help compare TruStone with other Super Visa insurance providers.

Get a Free Quote Call +1 416 887 0700 Message on WhatsApp