Common questions about Super Visa insurance, answered. Super Visa insurance is the medical coverage parents and grandparents need to qualify for Canada’s Super Visa. Per IRCC, it must provide at least CA$100,000 in emergency medical coverage, be valid for at least one year, and cover healthcare, hospitalization, and repatriation.
Answers provided by Navneet Saran, RIBO- and LLQP-licensed insurance broker, Brampton & GTA. Requirements per IRCC, current as of 2026. For a personalized quote, contact Navneet Saran.
What is Super Visa insurance?
Super Visa insurance is medical insurance that parents and grandparents must hold to qualify for Canada’s Super Visa. Per IRCC it must provide at least CA$100,000 in emergency medical coverage, be valid for at least one year, and cover healthcare, hospitalization, and repatriation.
How much emergency medical coverage is required for a Super Visa?
At least CA$100,000 in emergency medical coverage, as set by Immigration, Refugees and Citizenship Canada (IRCC).
How long must Super Visa insurance be valid?
The policy must be valid for at least one year from the date of entry to Canada.
What must Super Visa insurance cover?
It must cover healthcare, hospitalization, and repatriation, and be issued by a Canadian insurer or an IRCC-approved international insurer.
How much does Super Visa insurance cost?
Cost depends on the applicant’s age, the coverage amount, the deductible, and any pre-existing conditions. Comparing several insurers is the most reliable way to find suitable coverage—contact a licensed broker for a quote.
Can Super Visa insurance be paid monthly?
Yes. Many insurers now offer monthly payment plans instead of a single annual lump sum, which can make the one-year requirement easier to manage.
Does Super Visa insurance cover pre-existing conditions?
Some policies cover stable pre-existing conditions, usually subject to a stability period and additional cost. Coverage varies by insurer and the applicant’s age; disclose all conditions accurately.
What happens if the Super Visa is refused?
Many Super Visa insurance policies can be refunded or cancelled if the visa is refused, often with proof of refusal. Ask your broker about each insurer’s refund terms before buying.
Do I buy Super Visa insurance before applying?
You generally need proof of valid insurance as part of the application. Many families buy a policy with a future start date that can be adjusted, then submit the confirmation with the application.
Can I buy Super Visa insurance from a Canadian broker?
Yes. A licensed Canadian broker can arrange Super Visa insurance from approved insurers and compare options for you. Navneet Saran arranges Super Visa insurance in Brampton and the GTA.
Is Super Visa insurance the same as visitor insurance?
They overlap but aren’t identical. Super Visa insurance must meet IRCC’s specific minimums (CA$100,000, one year, healthcare/hospitalization/repatriation). General visitor insurance may be shorter or lower coverage and may not satisfy Super Visa requirements.
What languages does Navneet Saran serve Super Visa clients in?
Navneet Saran serves families in English, Punjabi, Hindi, and Urdu, and is based in Brampton, Ontario.
Does Super Visa insurance cover COVID-19?
Most current plans treat COVID-19 like any other illness, covering emergency treatment as long as the policy is active and the usual conditions are met. Because terms vary by insurer, confirm the wording before you buy.
Does Super Visa insurance cover dental and prescription drugs?
It covers emergency dental for the sudden relief of pain, usually up to a set limit, and emergency prescriptions given during or right after emergency treatment. Routine dental and ongoing medication for a stable condition are not covered.
What does Super Visa insurance not cover?
It is emergency coverage, so it does not pay for routine check-ups, vaccinations, planned or elective treatment, eyeglasses and hearing aids, or care for an unstable or undisclosed pre-existing condition. Disclosing all conditions accurately is the best way to avoid a denied claim.
Do my parents need to show proof of insurance at the airport?
Yes. A border officer can ask to see proof that the Super Visa insurance is active on each entry to Canada. If the policy has lapsed or been cancelled, the officer can limit the stay to six months, so keep the certificate handy and the coverage continuous.
Related: Super Visa insurance · Super Visa insurance guide · visitor insurance