Manulife Super Visa Insurance Canada 2026 | Plans & Coverage
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Manulife Super Visa Insurance in Canada

Manulife offers Visitors to Canada insurance options that can be used to meet Super Visa insurance requirements for parents and grandparents. For 2026, Manulife lists Basic, Standard and Enhanced plans, with different rules for pre-existing medical conditions. SSJ Financial can help you review the Manulife options and compare them with other available Super Visa insurance plans before you purchase.

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. Swinder Singh is licensed in Ontario, serving Ontario since 2008.

Important: Coverage, pre-existing condition rules, medical questionnaire requirements and eligibility differ between Manulife's Basic, Standard and Enhanced plans. A quote by itself is not accepted as proof of insurance. Review the policy wording before purchasing.

Looking for Manulife Super Visa Insurance?

Compare Manulife Basic, Standard and Enhanced plans and understand how age, medical history and pre-existing condition rules can affect the available coverage.

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Two Common Types of Super Visa Insurance Coverage

When comparing Super Visa insurance, there are generally two common coverage choices: a plan that does not cover pre-existing medical conditions, and a plan that may cover eligible stable pre-existing medical conditions. Exact eligibility, stability periods and exclusions vary by insurer, plan, age and medical history.

1. No Pre-Existing Medical Condition Coverage

This option is intended to provide coverage for eligible new and unexpected medical emergencies that occur after the policy becomes effective. Medical expenses related to an existing medical condition are generally not covered under this type of plan.

For example, if an applicant already has diabetes, high blood pressure, a heart condition or another medical condition, a claim related to that existing condition may not be covered. Always review the selected insurer's policy wording and exclusions.

2. Stable Pre-Existing Medical Condition Coverage

This option may provide coverage for eligible pre-existing medical conditions that meet the insurance company's definition of stable.

Depending on the insurer, plan and applicant's age, a condition may need to remain stable for a specified period before the policy's effective date. The required stability period and eligibility rules must be confirmed in the applicable policy wording.

What does “stable” mean?

Being stable does not simply mean that the applicant feels well. Depending on the insurer's definition, stability may be affected by:

  • Changes in medication or dosage
  • Starting or stopping medication
  • New or worsening symptoms
  • Hospitalization or emergency treatment
  • New treatment or changes in treatment
  • Specialist consultations or referrals
  • Medical tests, investigations or pending results

Important: Each insurer defines stability differently. Some policy wordings may contain exceptions or special rules for particular medications or medical conditions. The actual policy wording governs coverage.

Have a Medical Condition?

Having diabetes, high blood pressure, high cholesterol, a heart condition or another medical condition does not automatically mean that you cannot obtain Super Visa insurance. The important question is whether the condition qualifies for coverage under the selected insurer's policy wording.

SSJ Financial can compare available Super Visa insurance options based on age, medical history, medications and applicable stability requirements.

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Manulife Super Visa Insurance and Pre-Existing Condition Coverage

Parents and grandparents with medical conditions may still have Super Visa insurance options. SSJ Financial helps families compare plans based on age, medical history, stability requirements, deductible and coverage amount so they can understand which options may fit their situation.

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 support
  • Medical insurance options designed for Super Visa visitors to Canada

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FROM CANADA'S TOP INSURERS

Get Peace Of Mind With The Best Super Visa Insurance Policy At Affordable Rates!

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.

Looking for Super Visa requirements, required documents, general questions or the minimum income calculator? See the main Super Visa Insurance page. For rates by age, see Super Visa Insurance Cost by Age.

Official source: IRCC parent and grandparent Super Visa.

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

For a general explanation of pre-existing medical conditions, stability periods and what to compare across insurers, see Super Visa Insurance for Pre-Existing Conditions.

Super Visa Insurance Coverage by Medical Condition

Having a medical condition does not automatically mean you cannot qualify for Super Visa insurance. Depending on the insurer and plan, an eligible pre-existing condition may be covered when it meets the policy's stability and eligibility requirements. The examples below explain some of the medical history details insurers may consider.

Diabetes

Super Visa insurance may be available for applicants with Type 1 or Type 2 diabetes. Whether diabetes-related emergencies are covered depends on the selected plan and whether the condition meets the insurer's definition of stable.

Important details to review: insulin or other diabetes medication, recent medication or dosage changes, recent diagnosis, hospitalization, blood-sugar complications, and related heart, circulation, eye or kidney conditions.

High Blood Pressure (Hypertension)

High blood pressure may qualify as an eligible stable pre-existing condition under some plans. The insurer's stability definition and the applicant's recent medical history remain important.

Important details to review: medication or dosage changes, uncontrolled blood pressure, new symptoms, emergency visits, specialist referrals and related heart or kidney conditions.

Heart Conditions

Coverage for pre-existing heart conditions can vary significantly between insurers and plans. A heart condition that is considered stable under one policy should not automatically be assumed to qualify under another.

Important details to review: angina or chest pain, heart attack history, bypass or stent procedures, heart failure, arrhythmia, pacemaker, medication changes, nitroglycerin use, recent cardiac testing and specialist follow-up.

Stroke or TIA

A previous stroke or transient ischemic attack (TIA) does not necessarily prevent an applicant from obtaining Super Visa insurance, but coverage for the pre-existing condition is plan-specific.

Important details to review: date of the stroke or TIA, ongoing symptoms, rehabilitation, medication, specialist care, recent investigations and related cardiovascular conditions.

High Cholesterol

High cholesterol may be eligible for coverage when it satisfies the selected policy's requirements. Insurers may also consider related cardiovascular conditions when determining eligibility.

Important details to review: medication changes, associated high blood pressure, diabetes, heart disease, previous stroke and recent medical investigations.

Asthma

Stable asthma may be eligible for pre-existing-condition coverage under some Super Visa insurance plans.

Important details to review: recent attacks, emergency treatment, hospitalization, changes to inhalers or other medication, steroid treatment and specialist care.

COPD and Other Lung Conditions

Coverage for COPD and other chronic lung conditions can be more restrictive and varies by insurer, plan and age.

Important details to review: oxygen use, prednisone or steroid treatment, recent breathing difficulties, hospitalization, medication changes, pulmonary testing and specialist treatment.

Cancer

Applicants with a history of cancer may have Super Visa insurance options, but coverage for the pre-existing cancer depends on the type of cancer, treatment history, current status and the selected insurer's policy wording.

Important details to review: diagnosis, active or completed treatment, chemotherapy or radiation, surgery, recurrence, follow-up testing and whether additional treatment or investigations are pending.

Kidney Disease

Kidney conditions require careful review because eligibility and pre-existing-condition coverage can depend on the severity and treatment involved.

Important details to review: stage or severity of kidney disease, dialysis, medication, recent changes in kidney function, hospitalization and related diabetes or high blood pressure.

Thyroid Conditions

Thyroid conditions may qualify for pre-existing-condition coverage when they meet the selected policy's stability requirements.

Important details to review: medication or dosage changes, recent abnormal testing, new symptoms, specialist treatment and pending investigations.

Arthritis and Osteoporosis

Arthritis, osteoporosis and other chronic musculoskeletal conditions may be eligible for coverage when they satisfy the insurer's stability and eligibility requirements.

Important details to review: medication changes, injections, surgery, recent fractures, new or worsening symptoms, specialist care and pending treatment.

More than one medical condition?

Conditions are not always assessed in isolation. For example, diabetes together with heart disease, high blood pressure or kidney disease may affect which plans are available. Always disclose the complete medical history and review the policy wording before purchasing.

Not Sure Whether Your Condition Is Considered Stable?

SSJ Financial can help you compare available Super Visa insurance options based on age, medical history, stability requirements, coverage amount and deductible.

COMPARE SUPER VISA INSURANCE

Policy terms, exclusions and eligibility vary by insurer. The insurer's policy wording controls.

Manulife Super Visa Insurance and Pre-Existing Conditions

Manulife offers Basic, Standard and Enhanced Visitors to Canada plans that meet the parent and grandparent Super Visa insurance requirements. The way each plan treats pre-existing medical conditions is different, so the appropriate option depends on the applicant's age, medical history and the policy terms.

Manulife Plan Pre-Existing Conditions Medical Questionnaire
Basic Pre-existing medical conditions are not covered. Not required.
Standard Coverage is provided for pre-existing medical conditions that did not exist within the 180 days before the effective date, subject to the policy terms. Not required.
Enhanced Coverage is provided for eligible pre-existing medical conditions that have been stable for at least 180 days before the effective date, subject to the policy terms and eligibility rules. Required for ages 55 to 85.

What Does Manulife Mean by Stable?

For the Enhanced plan, Manulife's 2026 wording states that all stability conditions must be met. Among other things, there must be no new or changed treatment, no medication change or new prescription, no worsening of the condition, no new or more severe symptoms, no hospitalization or specialist referral, no incomplete recommended tests or outstanding test results, and no planned or pending treatment.

Diabetes and Insulin

Manulife's Enhanced medical declaration provides an exception for routine adjustments of insulin, Coumadin or warfarin. A routine adjustment is not treated as a medication change when the medication was not newly prescribed or stopped and there has been no change in the medical condition. A switch from a brand-name medication to a generic medication at the same dosage is also listed as an exception.

The Enhanced medical questionnaire also asks whether, during the last 12 months, the applicant has taken medication for both diabetes and a heart condition. Medication prescribed solely for blood-pressure control is excluded from that question. A “Yes” answer to this qualification question means the applicant is not eligible for the Enhanced plan, although Basic or Standard may remain available.

Heart Conditions, Stroke and TIA

The Enhanced questionnaire asks about heart or lung conditions, shortness of breath, chest pain, stroke or TIA during the last 12 months when they resulted in a new diagnosis, medication change, treatment or testing, specialist referral, hospitalization or an emergency-department visit. It also asks about certain heart procedures and valve disorders. An applicant who has ever been diagnosed with congestive heart failure is not eligible for the Enhanced plan.

Nitroglycerine and Angina

Under the Enhanced pre-existing-condition exclusion, a heart condition is excluded when it was not stable or required any form of nitroglycerine for angina pain during the 180 days before the effective date. The medical declaration also asks about nitroglycerine use for angina, including as-needed use, during the last 12 months.

Asthma, COPD and Other Lung Conditions

For the Enhanced plan, a lung condition is excluded when it was not stable or required treatment with oxygen or prednisone during the 180 days before the effective date. The medical declaration also includes questions about home oxygen use and prednisone for a lung condition.

Kidney Disease and Dialysis

Kidney disease is not automatically treated the same in every situation. However, the 2026 Enhanced medical declaration states that an applicant who requires kidney dialysis is not eligible for the Enhanced plan.

Cancer

For the Enhanced plan, the 2026 medical declaration states that an applicant is not eligible if they have been diagnosed with or treated within the last two years for pancreatic, lung, brain or liver cancer, or have ever been diagnosed with metastatic cancer. The qualification questions also address cancer treatment, investigation or testing during the last 12 months, with specified skin-cancer exceptions.

Important:

This summary is based on Manulife's 2026 Visitors to Canada comparison chart and Enhanced Plan medical declaration. It is a general guide, not a coverage determination. Eligibility, exclusions and claim coverage are governed by the application, medical declaration and policy wording in effect when coverage is purchased.

COMPARE SUPER VISA INSURANCE OPTIONS

SSJ Financial can help compare Manulife with other available Super Visa insurance plans based on age, medical history and coverage needs.

Manulife Super Visa Insurance: Frequently Asked Questions

Does Manulife offer insurance that meets Super Visa requirements?

Yes. Manulife's 2026 Visitors to Canada comparison chart states that the Basic, Standard and Enhanced plans meet the parent and grandparent Super Visa insurance requirements.

Which Manulife plan covers stable pre-existing conditions?

The Enhanced plan provides coverage for eligible pre-existing medical conditions that have been stable for at least 180 days before the effective date, subject to eligibility and policy terms. Basic does not cover pre-existing conditions. Standard uses different wording: it provides coverage for pre-existing conditions that did not exist within 180 days before the effective date.

Does Manulife Enhanced require a medical questionnaire?

Yes for ages 55 to 85 according to Manulife's 2026 comparison chart. Basic and Standard do not require a medical questionnaire.

Can diabetes be covered under Manulife Enhanced?

Diabetes is not automatically listed as an Enhanced disqualifier. Eligibility depends on the medical declaration, stability requirements and complete medical history. Manulife also lists a limited exception for routine insulin adjustments when its stated conditions are met.

Can I get a refund for my Manulife Super Visa insurance policy?

Yes. If the Super Visa application is refused, the premium is refunded in full. If your parent returns home early, Manulife refunds the unused days as long as no claim has been reported or started and no assistance services were used.

Super Visa Insurance Resources

Explore our Super Visa insurance guides to compare costs by age, coverage, payment options and information about eligible pre-existing medical conditions.

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