Quick answer: Super Visa insurance is the emergency medical coverage Canada requires before a parent or grandparent can be approved for a Super Visa. As of 2026 your policy must provide at least CAD $100,000 in coverage from a Canadian insurer (or an IRCC-approved foreign insurer), stay valid for at least one year, and cover healthcare, hospitalization, and repatriation. This guide explains the requirements, costs, payment options, and how a licensed Brampton broker can help — in English, Punjabi, Hindi, or Urdu. Ready for a quote? See our Super Visa insurance page or get a free quote.
Key takeaways
- Insurance is mandatory for a Super Visa application — proof of coverage is submitted with the application.
- Minimum CAD $100,000 in emergency medical coverage, valid for at least one year from the date of entry.
- Coverage must include healthcare, hospitalization, and repatriation, from a Canadian or IRCC-approved foreign insurer.
- Monthly payment plans are widely available, and many policies offer a partial refund if your parent leaves Canada early.
- A broker compares multiple insurers for you at no extra cost and helps you avoid application delays.
What is Super Visa insurance?
The Super Visa lets eligible parents and grandparents of Canadian citizens and permanent residents visit for extended periods — up to five years per entry, on a visa that can stay valid for up to ten years. Because visitors are not covered by provincial health plans like OHIP, Canada requires applicants to buy private emergency medical insurance before the visa is approved. That policy is what people call “Super Visa insurance.”
Super Visa insurance requirements in 2026
| Requirement | Detail |
|---|---|
| Minimum coverage | At least CAD $100,000 in emergency medical coverage |
| Policy length | Valid for at least 1 year from the date of entry |
| What it must cover | Healthcare, hospitalization, and repatriation |
| Insurer | A Canadian insurer, or a foreign insurer approved by IRCC |
| Proof | Confirmation of paid (or payable) coverage, submitted with the application |
The host in Canada also needs to meet a minimum income threshold (based on the Low Income Cut-Off, which IRCC updates periodically). Because these figures change, always confirm the current numbers on the official IRCC website before applying.
How much does Super Visa insurance cost?
Premiums depend on the visitor’s age, the coverage amount, the policy length, the deductible you choose, and whether there are any pre-existing medical conditions. Older applicants and higher coverage amounts generally cost more, while choosing a higher deductible can lower the premium. Rather than quote a single number, we compare options from multiple insurers so you can see what fits your family’s budget. Request a personalized quote to get real figures.
Monthly payment plans
Paying a full year of coverage up front can be a large expense, so many families choose a monthly payment plan instead. Monthly plans spread the cost over the year and often allow a refund of unused months if your parent returns home early. We can explain which insurers offer flexible monthly billing and how the refund terms differ.
Refunds and cancellation
If your parent’s visa is refused, or they leave Canada earlier than planned, most Super Visa policies allow a partial refund of the unused portion — provided no claim has been made. Refund rules vary by insurer, so it is worth understanding the cancellation terms before you buy. A broker can walk you through the fine print so there are no surprises.
Super Visa insurance vs. visitor insurance
| Feature | Super Visa insurance | Visitor insurance |
|---|---|---|
| Purpose | Required to obtain a Super Visa | Optional coverage for any visitor to Canada |
| Minimum coverage | CAD $100,000 | You choose the amount |
| Policy length | At least 1 year | Days to months, flexible |
| Best for | Parents/grandparents applying for a Super Visa | Tourists, shorter family visits, work/study visitors |
If your family is weighing the two, our visitor insurance page explains the differences in more detail.
How a licensed broker helps
As a RIBO- and LLQP-licensed brokerage in Brampton, NavInsurance works for you rather than for one insurance company. We compare Super Visa policies from multiple Canadian insurers, make sure the coverage meets IRCC’s requirements, and provide the documentation your application needs. Brampton is home to one of Canada’s largest South Asian communities, and we support families in English, Punjabi, Hindi, and Urdu. Learn more about Navneet or read our client reviews.
Common Super Visa insurance mistakes to avoid
- Buying less than $100,000 in coverage, which can lead to a refused application.
- Choosing a policy shorter than one year — it must be valid for at least 12 months.
- Overlooking pre-existing conditions, which may need a specific policy option to be covered.
- Missing the repatriation requirement, which every compliant policy must include.
- Not checking refund terms before paying for a full year.
Who is eligible for a Super Visa?
The Super Visa is for parents and grandparents of Canadian citizens and permanent residents. To support the application, the child or grandchild in Canada typically provides a signed invitation letter, proof of their status, and evidence they meet a minimum income threshold to support the visitor. The applicant must also be admissible to Canada and complete an immigration medical exam. Great-grandparents and other relatives are not eligible under this program.
Applying for a Super Visa: step by step
- 1. Confirm eligibility. Check the relationship, status, and income requirements on the official IRCC page.
- 2. Prepare the invitation letter from the host in Canada, including household details and a commitment of support.
- 3. Buy Super Visa insurance that meets the $100,000, one-year, healthcare/hospitalization/repatriation requirements. We can arrange this and provide proof of coverage.
- 4. Complete the application and pay the fees, then provide biometrics if required.
- 5. Attend the medical exam with an IRCC-approved panel physician.
- 6. Submit and track the application and wait for a decision.
Because the insurance step is mandatory, arranging coverage early helps avoid last-minute delays. Our Insurance Learning Centre has more plain-language guides for newcomers and families.
Why families in Brampton and the GTA choose NavInsurance
Sponsoring a parent or grandparent is a meaningful step, and the paperwork can feel overwhelming — especially when English is not your first language. NavInsurance is a locally based, RIBO- and LLQP-licensed brokerage that has helped many GTA families arrange Super Visa coverage that meets IRCC’s rules the first time. We explain your options clearly, compare multiple insurers so you are not tied to one company, and stay available if you need to make a change or a claim. You can reach us in English, Punjabi, Hindi, or Urdu, and we are glad to answer questions before you commit to anything.
How to find affordable, low-cost Super Visa insurance
Many families search for the cheapest Super Visa insurance in Canada or low cost Super Visa insurance, and prices vary a lot between insurers for the same required coverage. The most reliable way to keep costs down is to compare several insurers, choose a deductible you are comfortable with, and apply while your parent is in good health. Because we are a broker, we gather Super Visa insurance quotes from multiple companies so you can compare lower-cost options side by side instead of relying on a single quote. Request your free quotes to compare.
How to find affordable, low-cost Super Visa insurance
Many families search for the cheapest Super Visa insurance in Canada or low cost Super Visa insurance, and prices vary a lot between insurers for the same required coverage. The most reliable way to keep costs down is to compare several insurers, choose a deductible you are comfortable with, and apply while your parent is in good health. Because we are a broker, we gather Super Visa insurance quotes from multiple companies so you can compare lower-cost options side by side instead of relying on a single quote. Request your free quotes to compare.
Frequently asked questions
Is insurance mandatory for a Super Visa?
Yes. Proof of valid emergency medical insurance is a required part of every Super Visa application, and the visa will not be approved without it.
How much Super Visa insurance coverage do I need?
At least CAD $100,000 in emergency medical coverage, valid for a minimum of one year, covering healthcare, hospitalization, and repatriation.
Can I pay monthly for Super Visa insurance?
Many insurers offer monthly payment plans that spread the annual cost over the year, often with a refund of unused months if your parent returns home early.
What happens if the visa is refused?
If the application is refused and no claim has been made, most policies allow a refund of the premium. Keep your refusal documentation, as the insurer may ask for it.
Can I get coverage for pre-existing conditions?
Some policies include coverage for stable pre-existing conditions, sometimes with a waiting or stability period. We can help you compare options that suit your parent’s health profile.
Does the policy have to be from a Canadian insurer?
Coverage must come from a Canadian insurer or a foreign insurer approved by IRCC. We only place coverage that meets the current requirements.
What is the cheapest Super Visa insurance in Canada?
There is no single cheapest policy for everyone — the lowest price depends on the visitor’s age, the coverage amount, the deductible, and any pre-existing conditions. The best way to find low cost Super Visa insurance is to compare quotes from several insurers, which we do for you at no extra cost.
Can I get Super Visa insurance quotes online?
Yes. Share a few details about your parent or grandparent and we can prepare Super Visa insurance quotes from multiple insurers, then explain the differences so you can choose with confidence.
Do you offer parents’ Super Visa insurance in Brampton and across Ontario?
Yes. We are based in Brampton and help families across Ontario arrange parents’ Super Visa insurance, with support in English, Punjabi, Hindi, and Urdu.
How much does Super Visa insurance cost per month?
Super Visa insurance is usually priced for the full year, but many insurers offer monthly payment plans. The monthly amount depends on the visitor’s age, the coverage amount, the deductible, and any pre-existing conditions. The accurate figure comes from a quote on your situation — and we compare insurers to find an affordable monthly option for your family.
Can my parents over 70 or 80 get Super Visa insurance?
Yes. Coverage is available for parents and grandparents in their 70s and 80s, though premiums are higher at older ages and the choice of insurer matters more. Some companies price older applicants more competitively, and we focus your options on the insurers that treat your parents’ age most favourably.
Super Visa insurance vs. visitor insurance — which do I need?
If you are applying for a Super Visa, you need Super Visa insurance that meets the $100,000, one-year minimums. For a shorter family visit without a Super Visa, flexible visitor insurance is usually the better, more affordable fit. We help you choose the right one.
Get help with your Super Visa insurance
Every family’s situation is different, and the rules can change. As a licensed Brampton brokerage, NavInsurance compares Super Visa insurance options from multiple insurers and explains them in plain language — in English, Punjabi, Hindi, or Urdu. Visit our Super Visa insurance page or request your free, no-obligation quote today. For official rules, consult the Government of Canada Super Visa page, and for independent insurance information the CLHIA and FCAC.