FAQ
Questions families ask before they apply
Yes — it's one of the few Super Visa requirements with zero flexibility. IRCC requires proof of at least $100,000 in private medical coverage, valid for one year from the date of entry, before they'll even review the file.
Since January 28, 2025, yes. The insurer needs to be on OSFI's approved list, and the policy has to be issued under that company's Canadian business — a Canadian-issued policy, just not necessarily a Canadian-headquartered insurer.
Age is the biggest factor. Healthy applicants in their mid-50s often land in the low-to-mid four figures per year, while applicants in their 70s and beyond can see that more than double. Pre-existing conditions and your chosen deductible move the number further — which is exactly why comparing quotes matters more than guessing.
Coverage needs to stay active for the full time they're in the country. If it lapses, renewing right away protects them medically, but a gap can also create problems at the border on a future entry — IRCC and CBSA can both ask to see current proof of insurance.
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