Super Visa · Medical Insurance Guide

No insurance, no Super Visa. It's that simple.

Before IRCC (Canada's immigration department) approves a Super Visa, your parents or grandparents need at least $100,000 in private medical insurance, valid for a full year. Here's what qualifies, what it costs, and where to compare options.

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$100,000Minimum medical coverage IRCC requires
1 year+Minimum policy validity from date of entry
Jan 2025Foreign OSFI-approved insurers became eligible
Up to 10 yrsMultiple-entry validity of the Super Visa itself
Why It Matters
Table of Contents
  1. Visitors aren't covered by provincial health care — and hospitals know it.
  2. See what coverage actually costs for your family
  3. Every stage of the Super Visa process, explained
  4. Questions families ask before they apply
  5. Get the one document IRCC won't budge on, sorted.

Visitors aren't covered by provincial health care — and hospitals know it.

Your parents' OHIP, MSP, or RAMQ card stays at home. In Canada, they're visitors, which means a single emergency room visit can run into the thousands, and a hospital admission can clear $10,000 before anyone even mentions surgery. IRCC built the insurance requirement around exactly that gap.

It's also a hard stop on the application itself. Submit a Super Visa request without proof of qualifying insurance, and there's nothing to review — it doesn't matter how strong the rest of the file is.

What the policy must include

  • Emergency medical & hospitalization
  • Repatriation coverage
  • Minimum $100,000 in coverage
  • Valid 1 year from the date they land
  • Canadian insurer, or OSFI-approved foreign insurer with a Canadian-issued policy
  • On hand to show a border officer at every entry

See what coverage actually costs for your family

Premiums move with age, health, and the deductible you choose — sometimes by a factor of two or three. A two-minute comparison tells you exactly where you land.

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Explore The Process

Every stage of the Super Visa process, explained

Eight guides, organized the way IRCC actually reviews your file.

Insurance Insurance Compare providers, coverage tiers, and what counts as IRCC-compliant. Read guide → Eligibility Requirements & Eligibility Who qualifies, income thresholds, and the fine print IRCC checks first. Read guide → Process Application Process Forms, online vs. paper, and the order things actually happen in. Read guide → Paperwork Documentation Invitation letters, proof of funds, medical exams — what to gather and how. Read guide → Budget Costs & Fees Every fee in the process, from biometrics to the insurance premium itself. Read guide → Timing Processing Timeline Realistic wait times, and what speeds them up or slows them down. Read guide → Compare Comparisons Super Visa vs. visitor visa, eTA, and parent sponsorship — side by side. Read guide → Finances Income & Financial LICO thresholds and how to document that you meet them. Read guide →
FAQ

Questions families ask before they apply

Get the one document IRCC won't budge on, sorted.

Compare Super Visa Insurance Quotes

SuperVisaInsurance10 provides educational information about the Super Visa process and is not a licensed insurance brokerage, law firm, or immigration consultancy. Nothing on this page is legal, financial, or immigration advice. Some links on this page are affiliate links; if you get a quote or buy a policy through them, we may earn a commission at no extra cost to you.