IRCC requirements
To be accepted, super visa insurance must meet all of these conditions:
- At least $100,000 in emergency medical coverage;
- Valid for at least one year from the date of entry into Canada;
- Covers health care, hospitalization and repatriation;
- Issued by a Canadian insurer, or by a foreign insurer authorized by the Office of the Superintendent of Financial Institutions (OSFI);
- Paid in full, or in instalments with a deposit, according to each insurer's terms. A quote alone is not accepted.
Proof of insurance must be valid for each entry into Canada and available to show the border services officer.
Source IRCC — Super visa documents
What the policy covers
IRCC requires the insurance to cover health care, hospitalization and repatriation, with at least $100,000 in emergency medical coverage.
The specific benefits, exclusions and conditions are set by each insurer in its policy. Your advisor gives you the exact policy wording and explains it before you buy.
Source IRCC — Super visa documents
Pre-existing conditions
IRCC's super visa requirements do not set a rule on pre-existing conditions. Each insurer defines them in its policy, for example through a medical questionnaire.
Your advisor compares these conditions across insurers, shows you the exact wording and helps you fill out the medical questionnaire accurately.
What it costs
IRCC accepts insurance paid in full, or paid in instalments with a deposit. A quote alone is not accepted. Whether instalments are available depends on each insurer's terms and conditions.
The price is set by each insurer. Your advisor gives you a side-by-side comparison of the options, free and with no obligation.
Source IRCC — Super visa documents
Frequently asked questions
What are IRCC's requirements for super visa insurance?
The insurance must provide at least $100,000 in emergency medical coverage, be valid for at least one year from the date of entry into Canada, and cover health care, hospitalization and repatriation. It must be issued by a Canadian insurer or by a foreign insurer authorized by the Office of the Superintendent of Financial Institutions (OSFI).
Is a quote enough for the super visa application?
No. IRCC requires proof that the insurance is paid in full, or paid in instalments with a deposit. A quote is not accepted.
Can I pay the insurance in instalments?
IRCC accepts instalment payments as long as a deposit has been paid. Whether instalments are available, however, depends on each insurer's terms and conditions; your advisor tells you what they are.
What happens if the super visa is refused?
Refund conditions in case of refusal are set by each insurer in its policy. Your advisor tells you what they are before you buy.
My parent has a health condition. Can they be insured?
Pre-existing conditions are defined by each insurer in its policy. Your advisor compares these conditions across insurers and helps you fill out the medical questionnaire accurately.
When should I buy the insurance?
Before submitting the super visa application: IRCC requires proof of insurance paid in full, or in instalments with a deposit. The insurance must be valid for at least one year from the date of entry into Canada.
How long can my parent stay?
According to IRCC, the super visa allows a stay in Canada of up to 5 years. Proof of insurance must be valid for each entry into Canada. Your advisor reminds you before your policy expires.
What is a deductible?
It is the amount you pay yourself when you make a claim. Your advisor shows you how each deductible option affects the price.
What should we do in a medical emergency?
Contact the insurer's assistance service listed in your policy. Then your advisor helps you with the claim, from the first call until you are reimbursed.