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Super Visa Insurance in Canada

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Super Visa Insurance for Parents and Grandparents

Bringing your parents or grandparents to Canada on a Super Visa? Enter their date of birth in the quote form to see prices from several insurers side by side. You can compare the price, the deductible, monthly payment options and whether a plan covers stable pre-existing conditions. Every insurer has its own rules, so check the plan details before you buy. Swinder Singh is licensed in Ontario, serving Ontario since 2008.

Cost by Age Monthly Payment Plans Pre-Existing Conditions Manulife Super Visa Insurance

Key Features of Our Super Visa Insurance Plans

Emergency Care | Hospitalization | Repatriation

  • Super Visa Insurance quotes from IRCC-compliant companies
  • Flexible monthly payment options
  • Coverage for pre-existing medical conditions
  • Coverage for emergency dental care
  • Accidental death and dismemberment (AD&D) protection
  • 100% refundable if visa is refused
  • Partial refund for early returns
  • Wide variety of deductible options to suit your needs
  • Hassle-free claim process with 24/7 emergency help from the insurer
  • Medical insurance options designed for Super Visa visitors to Canada

How It Works

Your Super Visa quote in 3 easy steps

1

Fill in the form

2

Compare plans

3

Buy Online or Call

Not sure which plan is best?📞 416-825-3091WhatsApp

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FROM CANADA'S TOP INSURERS

Get peace of mind with the right Super Visa insurance at a fair price.

Compare Super Visa Insurance Providers

One quote shows you Super Visa plans from several insurers, priced for your parent's age and the coverage you choose. Depending on age and health, you may see plans from Manulife, TuGo, GMS, Destination Canada, Travelance, JF and Travel Shield.

Reviewed by Swinder Singh, Licensed Life Insurance and Accident & Sickness Insurance Advisor in Ontario (FSRA licence #08105406), SSJ Financial. Last content review: October 11, 2026.

What Is Super Visa Insurance?

Super Visa insurance is private emergency medical insurance for parents and grandparents applying for Canada’s Super Visa. The policy must meet current IRCC requirements, including at least $100,000 in emergency medical coverage for health care, hospitalization and repatriation, and it must be valid for at least one year from the date of entry to Canada.

Canada introduced the Super Visa in 2011. It lets parents and grandparents of Canadian citizens and permanent residents stay in Canada for up to 5 years at a time.

IRCC can change these rules, so check the current requirements with Immigration, Refugees and Citizenship Canada (IRCC) before you apply.

How Much Does Super Visa Insurance Cost in Canada?

In the sample rates below, Super Visa insurance costs about $904 to $6,880 a year for $100,000 of coverage without pre-existing condition coverage. Monthly payments start at about $80 a month on plans that offer them.

These are sample rates, not a guaranteed price. What you pay depends on:

  • Age of the parent or grandparent
  • Pre-existing medical conditions
  • Coverage amount ($100,000 or $150,000)
  • Deductible selected

2026 Super Visa Income Requirement Changes

Effective March 31, 2026, Immigration, Refugees and Citizenship Canada (IRCC) changed how the minimum necessary income requirement for the Super Visa can be met.

  • Either of the previous two tax years: The host and eligible co-signer may demonstrate that their income met or exceeded the minimum necessary income requirement in either of the two taxation years immediately before the application.
  • Alternative income method: If the host and eligible co-signer earned at least 75% of the minimum necessary income in the tax year before the application, the visiting parent or grandparent can add their own income to cover the rest. IRCC requires proof of that income.

Official sources: IRCC notice on changes to the Super Visa income requirement and IRCC proof of financial support. Immigration requirements can change. Always verify the current eligibility and income requirements directly with Immigration, Refugees and Citizenship Canada (IRCC) before applying.

2026 Super Visa Insurance Rate Examples

The examples below are for $100,000 of coverage with no coverage for pre-existing health conditions. Plans that cover pre-existing conditions cost more. Rates change, so use the quote form for today’s price for your parents.

Age Annual Rate Monthly Payment
50$904Not Available
60$961$80.08/month
65$1,418.40$118.20/month
70$2,163.60$180.30/month
75$2,804.40$233.70/month
80$3,607.20$300.60/month
85$5,124.60$427.05/month
90+$6,880.25$573.35/month

About these rates: $100,000 of coverage with no pre-existing condition coverage, for the ages shown. Last updated: October 2026. They are examples, not a guaranteed price. Your price depends on age, health, deductible, coverage amount, insurer and plan. Monthly plans can have their own rules and fees. Use the quote form above for today’s price.

Want the best available rate for your parents? Call 416-825-3091 and speak with a licensed advisor.

Super Visa Insurance Monthly Payment Plans

Yes, Super Visa insurance can be paid monthly on selected plans. IRCC accepts a policy that is paid in full or in instalments with a deposit; a quote alone is not accepted. It’s the same coverage, with the cost spread into monthly payments.

Here’s how it works:

  • You pay at least 2 months up front, plus the monthly plan setup fee
  • The rest is split into 10 monthly instalments
  • The coverage is built to meet IRCC’s Super Visa insurance rules, depending on the insurer and plan you choose
  • Refunds are available if the visa is refused
Parents and grandparents visiting Canada with Super Visa insurance

Why Choose SSJ Financial for Super Visa Insurance?

SSJ Financial has helped Ontario families arrange insurance for visiting parents and grandparents since 2008.

  • Compare several insurers in one quote, including Manulife, TuGo, GMS, Destination Canada, Travelance, JF and Travel Shield.
  • Policy issued right away once the application is completed and payment is approved, with documents emailed for your Super Visa application.
  • Full refund if the visa is refused, when requested before the policy effective date with a copy of the refusal letter.
  • Monthly payment plans available on selected plans.
  • Speak with a licensed advisor directly at 416-825-3091.

What Are the Super Visa Requirements?

To get a Super Visa, a parent or grandparent needs an invitation letter from their child or grandchild in Canada, proof that the host meets IRCC’s minimum necessary income, proof of the family relationship, and private medical insurance of at least $100,000 that is valid for at least one year from the date of entry. They must also apply from outside Canada and complete an immigration medical exam.

Required Documents

  • An invitation letter from the child or grandchild living in Canada
  • Proof that the host and, if there is one, the co-signer meet IRCC’s current minimum necessary income
  • Proof of relationship, such as the host’s birth certificate naming the applicant as a parent
  • Private health insurance with at least $100,000 in emergency coverage, valid for at least one year from the date of entry
  • The purpose of the visit
  • Ties to the home country, such as family, finances and other connections outside Canada

Official source: IRCC Super Visa insurance and document requirements. Immigration and insurance requirements can change, so confirm the current rules before applying.

Frequently Asked Questions

How Fast Can I Get a Super Visa Insurance Policy?
A Super Visa insurance policy can be issued right away once the application is completed and payment is approved. The policy documents are emailed to you, ready to include with the Super Visa application.
Can I Buy Super Visa Insurance After My Parents Arrive in Canada?
For a new Super Visa application, the required medical insurance must be purchased before applying for the visa and must meet current IRCC requirements.

If your parent or grandparent is already in Canada and needs to renew or purchase a new policy, they can purchase coverage while in Canada. If there is a gap between the previous policy and the new policy, a waiting period may apply depending on the insurer and plan selected.
What Deductible Should I Choose for Super Visa Insurance?
The right deductible depends on your budget and how much you are comfortable paying toward an eligible claim. A higher deductible usually lowers the insurance premium, while a lower deductible or $0 deductible usually costs more but reduces the amount you pay out of pocket when an eligible claim occurs.
Can Parents Over 80 or 85 Get Super Visa Insurance?
Yes. Certain insurers cover parents and grandparents over 80 or 85. Premiums are higher at these ages, and you may need to fill in a medical questionnaire. The plans available depend on age and medical history.
Is Super Visa Insurance the Same as Visitor Insurance?
Not exactly. Both can provide emergency medical insurance for visitors to Canada, but a policy used for a Super Visa must meet the current IRCC Super Visa insurance requirements. Regular visitor insurance does not necessarily meet those requirements.
How Long Can My Parents Stay in Canada on a Super Visa?
Up to 5 years at a time. A Super Visa allows multiple entries over a period of up to 10 years. The insurance must be valid for at least 1 year from the date of entry and for each entry to Canada.
Does IRCC Accept a Super Visa Insurance Quote?
No. IRCC requires proof that the policy has been paid in full or in instalments with a deposit. Quotes are not accepted.
What Is the New IRCC Rule for the Super Visa in 2026?
Since March 31, 2026, there are two ways to meet the Super Visa income requirement. The host can meet the minimum necessary income in either of the two tax years before the application. Or, if the host and co-signer earned at least 75% of the required income in the year before the application, the visiting parent or grandparent can add their own income to cover the rest.
Can a Super Visa Be Refused?
Yes. A visa officer can refuse a Super Visa application, for example when the income or insurance requirements are not met, or when the officer is not satisfied that the visitor will leave Canada at the end of the stay. If the visa is refused, the insurance premium is refunded in full when you request it before the policy effective date.
How Do I Find the Best Super Visa Insurance Rates in Canada?
Compare quotes from several insurers for your parent’s exact age. The price depends on age, medical history, coverage amount, deductible and whether you need stable pre-existing conditions covered. The lowest price is not always the best fit, so check what each plan covers and excludes.
What’s The Minimum Coverage For Super Visa?
For a Super Visa, applicants must have private health insurance with a minimum coverage of $100,000. This insurance must cover health care, hospitalization, and repatriation, and be valid for at least one year from the date of entry.
Does Super Visa Insurance Cover Pre-Existing Conditions?
Yes, some plans do. The condition usually has to be stable for a set period before the policy starts. The rules depend on the insurer and the applicant's age.
Can We Change The Travel Dates?
Yes. You can change the effective date on the policy. When you apply for Super Visa insurance, you provide a tentative effective date. If you receive the visa and then postpone the trip, or arrive in Canada earlier than the date shown on the policy, you can adjust the travel dates free of charge any time before the effective date shown on your policy confirmation. If you request a change after the policy effective date and you are not in Canada at that time, the insurer may charge an administration fee.
Does Super Visa Insurance Cover Doctor Visits and Annual Check-Ups?

Yes, when the visit is for a medical emergency, such as a sudden illness or injury. Routine check-ups are not covered by most Super Visa plans. One plan we offer also covers some non-emergency care:

Annual check-up*: up to $250 toward a doctor visit or lab tests.

Eye exam*: up to $100 once a year, even for a routine check.

Vaccines*: up to $100.

*See the policy document for the full description of each benefit.

Do I Need To Buy Super Visa Insurance From a Canadian Company?
No. You don't need to buy Super Visa insurance exclusively from a Canadian company. As of January 28, 2025, you can purchase Super Visa insurance from both Canadian and certain international insurers. The international insurers must be authorized by the Office of the Superintendent of Financial Institutions (OSFI) to offer accident and sickness insurance in Canada.
Can Super Visa Insurance Be Cancelled or Refunded?
Yes, in most cases. If the Super Visa is refused, you get a full refund when you request it before the policy effective date. If your parents go home early, you can cancel and get a partial refund for the unused days, less a cancellation fee, as long as no claim has been made. Each insurer sets its own refund rules, so check the policy before you buy.
Is Super Visa Insurance Refundable If the Visa Is Refused?
Yes. If the Super Visa is refused, you get a full refund of the premium when you request it before the policy effective date shown on your policy confirmation. If you request it after the effective date, the insurer usually charges an administration fee. A copy of the visa refusal letter is required in both situations.
Can I Get a Refund If My Parents Leave Canada Early?
Yes, a partial refund is available if your parents return to their home country early or become eligible for a government health plan during the coverage period. You are refunded for the days not used, less a cancellation fee. Partial refunds are not available if a claim has been or will be submitted to the insurer.

What Is the Super Visa Minimum Necessary Income?

The host in Canada must earn at least IRCC's minimum necessary income for their family size. The amount changes from time to time. Use the calculator below for a quick estimate, then confirm the current figure on the IRCC website before you apply.

Estimate the Super Visa Income Requirement

Enter your family size to estimate the minimum income requirement.

Do you have questions? Give me a call 416-825-3091

Important Links

Super Visa Insurance Questions & Guides

Short answers to common questions, with a full guide behind each one.

How much does Super Visa insurance cost for my parent's age?

The price goes up with age. See sample rates for ages 50 to 90+.

See Super Visa insurance cost by age →

Which Super Visa insurance should I compare for parents over 70?

Plans and prices change with age. Start with the sample rates for your parent’s age.

Compare options by age →

Can I pay for Super Visa insurance monthly?

Yes, on selected plans. See how the deposit and monthly instalments work.

View monthly payment options →

Can Super Visa insurance cover pre-existing medical conditions?

Some plans do, when the condition has been stable for the period the insurer requires.

Compare pre-existing condition coverage →

Does Super Visa insurance cover diabetes or high blood pressure?

It can, when the condition is stable. It depends on the plan and your parent’s medical history.

Read the pre-existing conditions guide →

How does Manulife Super Visa insurance handle pre-existing conditions?

Manulife has Basic, Standard and Enhanced plans, and each one treats pre-existing conditions differently.

Read the Manulife Super Visa guide →
At SSJ Financial, I place my clients’ interests first. I firmly believe that one size doesn’t fit all. Every piece of advice I offer fits into a customized plan to suit the needs of my clients.

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