Super Visa Insurance Canada — Compare IRCC-Compliant Plans
Compare super visa insurance from Manulife, TuGo, Canada Life & more. 100% visa denial refund. FSRA-licensed advisor. Monthly plans available. Free quote.
- Compare plans from Canada's top-rated super visa insurers
- IRCC-compliant: minimum $100,000 emergency medical coverage
- Monthly payment options available from select providers
- 100% refund if visa is denied — subject to policy terms
- FSRA-licensed advisor support at no extra cost
What Is Super Visa Insurance?
Super Visa insurance is private emergency medical coverage required for parents and grandparents applying for a Canadian Super Visa. It must be purchased from a Canadian insurer or an OSFI-approved foreign insurer before the visa application is submitted.
Coverage must be valid for at least one year from the date of entry, provide a minimum of $100,000 in emergency medical benefits, and cover health care, hospitalization, and repatriation. These are IRCC requirements — not optional.
Parents and grandparents visiting on a Super Visa are not covered by provincial health plans. Without adequate insurance, a single emergency hospital visit can cost tens of thousands of dollars.
Super Visa Insurance Coverage Areas
Super Visa Insurance Cost
Compare rates by age, coverage amount, and deductible. Plans from $100–$400/month depending on age and health history.
Top Providers Compared
Side-by-side review of Manulife, TuGo, Canada Life, Destination Canada, GMS, 21st Century, and more.
IRCC Requirements
Full eligibility checklist: $100K minimum, 1-year validity, Canadian insurer, repatriation coverage, and more.
Monthly Payment Plans
Not all providers offer monthly billing. See which ones do and what conditions apply.
Pre-Existing Conditions
Coverage varies by insurer and stability period. Compare options for diabetes, heart disease, and more.
Compare Rates
Get a side-by-side quote comparison from multiple insurers with our free advisor-assisted tool.
Quick Comparison: Key Super Visa Insurance Factors
| 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 full refund before travel | Confirm terms with insurer |
Rates and terms vary by insurer, applicant age, health history, and province. Confirm details with an advisor before purchase.
How Super Visa Insurance Works
After your parent or grandparent is approved for a Super Visa, they can stay in Canada for up to 5 years per entry and re-enter multiple times over a 10-year period. Insurance must be in place for each entry.
You purchase the policy before travel, receive a policy document, and present it at the Canadian border or include it in the visa application package. If an emergency occurs during the visit, the insurer covers eligible costs up to the policy limit.
Comparing plans before purchase matters because coverage terms — especially around pre-existing conditions, stability periods, and refund rules — differ significantly between providers.
Why Families Use SuperVisaQuote
- Compare multiple Canadian super visa insurance providers in one place
- FSRA-licensed advisors explain coverage differences without pressure
- Guidance on pre-existing conditions, monthly billing, and deductible choices
- Help understanding refund and cancellation terms before you commit
- Support for families across Ontario, BC, Alberta, and all provinces
Common Super Visa Insurance Questions
Is super visa insurance mandatory?
Yes. IRCC requires proof of private medical insurance as part of a Super Visa application. The policy must meet minimum coverage requirements.
Can I buy super visa insurance after the visa is approved?
You typically need insurance confirmation before the visa is issued. Some families purchase a policy before applying and cancel it if the visa is denied — subject to the insurer's refund terms.
What happens if my parent's visa is denied?
Most Canadian super visa insurers offer a full refund of the premium if the visa is denied before travel begins. Confirm the refund policy before purchasing.
Can my parent extend coverage if they want to stay longer?
In many cases, yes — but only if the extension is requested before the current policy expires and no claims have been made. Check with your insurer.
Does super visa insurance cover pre-existing conditions?
It depends on the insurer and the specific condition. Most policies require a stability period — meaning the condition has not changed, worsened, or required new treatment for a set number of days before coverage begins. Advisor review is recommended.
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