Super Visa Insurance
Bringing parents or grandparents to Canada on a super visa? We connect families in Ontario with licensed advisors who find IRCC compliant medical insurance at a fair price.
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Super Visa Insurance for Parents and Grandparents
The super visa lets parents and grandparents of Canadian citizens and permanent residents visit for up to five years at a time. To qualify, they must have private medical insurance that meets Immigration, Refugees and Citizenship Canada (IRCC) requirements.
Visitors are not covered by OHIP, and emergency hospital care in Canada is expensive. A compliant super visa policy protects your family and is a required part of the application.
Connect NowHow CommercialInsurance.ca works
We are not an insurer or an advisor. We find you the right one.
Matched by need
We connect you with an advisor who works with businesses and families like yours.
Licensed life and health advisors
Life and health insurance advisors in Ontario are licensed by the Financial Services Regulatory Authority of Ontario (FSRA).
Fast follow up
Once we receive your information, a professional in our network will connect with you within 24 hours.
No cost to be matched
Our referral service is free. You deal directly with the advisor for quotes and coverage.
IRCC super visa insurance requirements
The policy must meet all of these to be accepted.
At least $100,000 in coverage
Emergency medical coverage of at least $100,000.
Valid for at least one year
Coverage must be valid for at least one year from the date of entry.
Health care, hospitalization and repatriation
The policy must cover all three.
An eligible insurer
Issued by a Canadian insurance company or a foreign insurer authorized by OSFI.
Choosing a super visa policy
Deductibles and price
A higher deductible lowers the premium but means paying more out of pocket for each claim.
Pre-existing conditions
Coverage for stable pre-existing conditions varies. Check how the policy defines stability and whether conditions such as diabetes or heart disease are covered.
Payment options and refunds
Some insurers allow monthly payments and most offer refunds if the visa is refused or the visitor returns home early. Terms vary.
Super Visa Insurance FAQs
How much coverage does super visa insurance need?
IRCC requires at least $100,000 of emergency medical coverage that includes health care, hospitalization and repatriation, valid for at least one year from entry.
Can I buy super visa insurance from a foreign insurer?
Coverage can come from a Canadian insurer or from a foreign insurer authorized by OSFI. Confirm current IRCC rules before you buy.
Are parents on a super visa covered by OHIP?
No. Visitors, including super visa holders, are generally not eligible for OHIP, which is why private coverage is required.
Does super visa insurance cover pre-existing conditions?
Some policies cover stable pre-existing conditions and some do not. The definition of stable is important, so compare carefully.
When should I buy the policy?
Before submitting the super visa application, since proof of insurance is part of it. Many insurers refund the premium if the visa is refused.
What to expect from a benefits advisor
A licensed advisor handles the details so you can make a clear decision.
1Discovery call
Share who needs coverage, what matters most and your budget. For businesses, bring your current plan and renewal if you have one.
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2Plan design
Your advisor recommends coverage levels and cost sharing that fit your needs, and explains the trade offs in plain language.
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3Compare insurers
Your advisor gathers quotes from multiple insurers and compares price, coverage and service side by side.
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4Enrol and support
Once you choose, your advisor handles the application and enrolment, and stays available for claims questions and renewals.
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