Quick answer: Super Visa insurance requirements set the minimum coverage your parents or grandparents need for a Super Visa. The policy must provide at least $100,000, stay valid for one year, cover healthcare, hospitalization, and repatriation, and come from a Canadian or IRCC-approved insurer. As a licensed Brampton broker, NavInsurance makes sure your coverage meets every requirement the first time. Get a free quote.
Key takeaways
- $100,000 minimum emergency medical coverage.
- Valid for at least one year from the date of entry.
- Must cover healthcare, hospitalization, and repatriation.
- Canadian or IRCC-approved foreign insurer only.
- Proof of coverage is submitted with the application.
The 2026 requirements at a glance
| Requirement | Detail |
|---|---|
| Minimum coverage | At least CAD $100,000 |
| Policy length | Valid for at least 1 year |
| Must cover | Healthcare, hospitalization, repatriation |
| Insurer | Canadian or IRCC-approved foreign insurer |
| Proof | Submitted with the Super Visa application |
Compare options with our Super Visa insurance guide and main Super Visa insurance page, or explore visitor insurance.
Coverage minimums explained
The $100,000 minimum reflects how expensive emergency care can be for an uninsured visitor in Canada. The policy must also stay valid for a full year, even if your parent plans a shorter visit, and it must cover repatriation — the cost of returning home in a serious medical situation. Buying less than the minimum is one of the most common reasons applications are delayed.
Who is eligible for a Super Visa
The Super Visa is for parents and grandparents of Canadian citizens and permanent residents. The host in Canada usually provides an invitation letter and proof they meet a minimum income threshold (based on the Low Income Cut-Off, which is updated periodically). Always confirm the current figures on the official IRCC website before applying.
Documents you will need
Alongside the insurance, applicants typically need the invitation letter, proof of the host’s status and income, and an immigration medical exam. Having the insurance arranged early means one less thing to chase at the last minute. We provide the proof-of-coverage document insurers issue for the application.
Making sure your policy is compliant
Not every visitor policy qualifies for a Super Visa — it must meet the specific minimums above. We only place coverage that satisfies the requirements, so you do not risk a refusal over an insurance technicality. If you are unsure whether an existing policy qualifies, we can review it for you.
Why these requirements exist
The requirements protect both visitors and Canada’s healthcare system. Because parents and grandparents on a Super Visa stay for extended periods and are not covered by provincial health plans, the government requires enough private coverage to handle a serious emergency without burdening public hospitals or leaving families with crippling bills. Understanding the “why” makes the rules easier to follow.
Common requirement mistakes that cause delays
The most frequent problems are buying less than $100,000, choosing a policy shorter than one year, missing repatriation coverage, or using an insurer that is not Canadian or IRCC-approved. Any of these can lead to a refusal or a request for more documents. We check each box before you apply so a simple insurance detail does not derail the application.
How Super Visa rules differ from regular visitor insurance
Standard visitor insurance is flexible — you choose the amount and length. Super Visa insurance is stricter: it must meet the $100,000 and one-year minimums and include repatriation. That is why a policy that is fine for a short tourist visit may not qualify for a Super Visa. We make sure your coverage is the right type for the application.
The host’s income requirement explained
Beyond insurance, the child or grandchild inviting the visitor must usually show they meet a minimum income threshold to support them during the stay. This figure is based on the Low Income Cut-Off (LICO), which depends on family size and is updated periodically by the federal government. Acceptable proof can include notices of assessment, pay stubs, or an employment letter. Because the numbers change, you should always confirm the current LICO figures on the official IRCC website before applying. While this requirement is separate from insurance, getting both right at the same time keeps your application moving smoothly.
A simple checklist before you apply
Before submitting a Super Visa application, confirm the essentials: insurance of at least $100,000 that is valid for one year and covers healthcare, hospitalization, and repatriation from an approved insurer; a signed invitation letter from the host; proof of the host’s status and income; and the visitor’s immigration medical exam. Arranging the insurance early is the easiest box to tick in advance, and it is the one we handle for you — including issuing the proof-of-coverage document. Working through the list methodically helps avoid the back-and-forth that delays many applications.
Where to confirm the latest Super Visa rules
Because requirements and figures such as the host income threshold are updated periodically, it is wise to confirm the current details before applying. The official Government of Canada Super Visa page is the authoritative source, and we keep up with changes as part of our work. If you are unsure whether your parent’s policy or paperwork meets the latest standard, we will review it with you and flag anything that needs adjusting — so you submit a complete, compliant application the first time and avoid avoidable delays or requests for more documents.
Frequently asked questions
What are the Super Visa insurance requirements?
At least $100,000 in coverage, valid one year, covering healthcare, hospitalization, and repatriation, from a Canadian or IRCC-approved insurer.
Does the policy really need to last a full year?
Yes. The coverage must be valid for at least one year from entry, even if the planned visit is shorter.
Can I use a foreign insurer?
Only if the foreign insurer is approved by IRCC. Otherwise the coverage must come from a Canadian insurer.
What happens if my coverage is below $100,000?
The application can be refused. The minimum is firm, so it is important to meet it exactly.
Do I need to show proof of insurance?
Yes. Confirmation of paid or payable coverage is submitted with the Super Visa application.
Make sure your Super Visa coverage qualifies
NavInsurance makes sure your Super Visa insurance meets every IRCC requirement and compares insurers so you do not overpay — in English, Punjabi, Hindi, or Urdu. Request your free quote today. For official rules, see the Government of Canada Super Visa page.