Does Manulife Super Visa insurance cover pre-existing conditions?

Coverage depends on the plan. Basic does not cover pre-existing conditions. Standard provides coverage for pre-existing conditions that did not exist within 180 days before the effective date. Enhanced provides coverage for eligible pre-existing conditions that have been stable for at least 180 days before the effective date, subject to policy terms and eligibility.

What does stable mean for Manulife Enhanced?

For Enhanced, Manulife's stability definition includes requirements relating to treatment and medication changes, worsening conditions or symptoms, hospitalization or specialist referral, incomplete tests or outstanding results, and planned or pending treatment. All applicable stability conditions must be met.

Manulife Super Visa Insurance Canada 2026

Q: Does Manulife Enhanced require a medical questionnaire?

Manulife's 2026 comparison chart states that the Enhanced plan requires a medical questionnaire for applicants ages 55 to 85. Basic and Standard do not require a medical questionnaire.

What Is Super Visa Insurance?

In 2011, Canada introduced the super visa, which allows parents and grandparents of citizens and permanent Canadian residents to stay in Canada for periods of up to five years without having to reapply. It is a multi-entry visa that valid for up to ten years, depending on the applicant’s passport expiry date.

As a requirement of the parent and grandparent super visa, applicants must have proof of Canadian medical insurance coverage for a period of at least one year and for a minimum coverage amount of at least $100,000 for healthcare, hospitalization, and repatriation. The insurance policy should cover the entire duration of your stay in Canada, so you have nothing to worry about except spending time with your loved ones and exploring our beautiful country.

How Much Does Super Visa Insurance Cost in Canada?

One of the most common questions families ask is: "How much is Super Visa insurance?"

The cost depends on several factors:

Age of the parent or grandparent
Pre-existing medical conditions
Coverage amount ($100,000 or $150,000)
Deductible selected

2026 Super Visa Income Requirement Changes

Effective March 31, 2026, Immigration, Refugees and Citizenship Canada (IRCC) changed how the minimum necessary income requirement for the Super Visa can be met.

Either of the previous two tax years: The host and eligible co-signer may demonstrate that their income met or exceeded the minimum necessary income requirement in either of the two taxation years immediately before the application.
Alternative income method: If the host and eligible co-signer meet at least 75% of the required minimum necessary income, qualifying income from the visiting parent or grandparent may be used to help meet the remaining amount, subject to IRCC's eligibility and documentation requirements.

Immigration requirements can change. Always verify the current eligibility and income requirements directly with Immigration, Refugees and Citizenship Canada (IRCC) before applying.

2026 Super Visa Insurance Rate Examples

The examples below are for $100,000 of coverage. Rates can change, so please use our instant quote form for current personalized pricing.

Age	Annual Rate	Monthly Payment
50	$904	Not Available
60	$961	$80.08/month
65	$1,385	$115.42/month
70	$1,835	$152.92/month
75	$2,385	$198.75/month

Last updated: September 2026. Rates shown are examples and may change. Actual premiums depend on age, medical history, pre-existing condition eligibility, deductible, coverage and insurer. Monthly payment plans may have separate payment terms or fees; confirm the current plan details before purchase.

Super Visa Insurance for Pre-Existing Conditions

Paying for a full year of insurance upfront is a huge hit to the wallet. That’s why many families look for super visa insurance monthly payment options. It’s the same high-quality coverage, just broken down into manageable payments.

Here’s how it works:

Minimum 2 months payment + monthly setup fee is required
The remaining balance is divided into 10 monthly installments
Coverage is designed to meet applicable IRCC Super Visa insurance requirements, subject to the selected insurer and policy terms
Refunds are available if the visa is refused

Parents and grandparents visiting Canada with Super Visa insurance

Why Choose Us for Your Super Visa Insurance?

Choosing the right Super Visa Insurance for your parents and grandparents can be overwhelming, but we make it easy with comprehensive coverage options and flexible payment plans. Here’s why we are the best choice:

Get the best Super Visa Insurance quotes with our hassle-free comparison tools.
Affordable Super Visa Insurance monthly payments that work for your budget.
Use our Super Visa Insurance cost calculator to estimate your coverage and make informed decisions.
Access Super Visa Insurance for pre-existing conditions to ensure comprehensive care for your loved ones.
Find the cheapest Super Visa Insurance without sacrificing coverage quality.
We offer the best medical Super Visa Insurance for visitors to Canada, with 24/7 support.
Tailored coverage to meet Canada Super Visa health insurance requirements, including emergency care, hospitalization, and repatriation.

What Are the Super Visa Requirements?

The process is very similar to submitting for a normal visitor visa but you will need to provide additional documents which proves that you will support your parents or grandparents for the time they live in Canada. The documents you need to provide are:

Required Documents

Invitation Letter from your child or grandchild living in Canada
Income proof showing the host and, if applicable, eligible co-signer meet the current IRCC minimum necessary income requirement
Relationship Proof such as a birth certificate naming you as a parent
Qualifying private health insurance with at least $100,000 in emergency coverage, valid for at least one year from the date of entry and meeting current IRCC requirements
Purpose of Visit: Why you want to visit Canada
Proof of ties to your home country: Whether you will maintain connections with your home country
Family Ties and Finances: Information about your family ties, finances, and other connections outside Canada

Frequently Asked Questions

What’s The Minimum Coverage For Super Visa?

For a Super Visa, applicants must have private health insurance with a minimum coverage of $100,000. This insurance must cover health care, hospitalization, and repatriation, and be valid for at least one year from the date of entry.

Does It Cover Pre-Existing Conditions?

Yes, Super Visa insurance can cover pre-existing conditions, but there are specific requirements and limitations. Coverage for pre-existing conditions typically depends on the applicant's age and the stability of the condition.

Can We Change The Travel Dates?

Yes, you can change the effective date on the policy, When applying for super visa insurance, you have to provide a tentative effective date for your application for this policy. But, If you have got your visa and then decide to postpone your trip, or arrive in Canada earlier than it is indicated on your policy, you can adjust your travel dates any time before the effective date shown on your policy confirmation it’s FREE. If you request a change of the travel dates after the policy effective date and you are not in Canada at that time, the insurer may charge an administration fee to process this change.

Can We Make The Payments On Monthly Installments?

Yes, we have a convenient and affordable option to pay for super visa medical insurance on a monthly basis. we have wide variety of Insurance providers to choose from. you can get an instant quote online.

Can We Take Our Parents For Annual Checkups?

Most insurance companies for Super Visa Insurance are for medical emergencies only. We have a plan that covers non-medical emergency for the following benefits:-

A – Annual check-up* – Just like you can go to your family doctor for an annual check-up, the same way your parents can also go for an annual check-up and use the benefit up to $250 for the doctor visit or lab tests, etc.

B – Eye Exam* – Once a year, you can get your eyes examined for up to $100 benefit and can be a routine checkup, which does not have to be an emergency.

C – Vaccines* – Up to $100 for vaccines and is non-emergency treatment.

*Please refer to the policy document for the full description of the benefit.

Do I Need To Buy Super Visa Insurance From Canadian Company?

NO, you don't need to buy Super Visa insurance exclusively from a Canadian company. As of January 28, 2025, you can purchase Super Visa insurance from both Canadian and certain international insurers. The international insurers must be authorized by the Office of the Superintendent of Financial Institutions (OSFI) to offer accident and sickness insurance in Canada.

What If The Visa Is Denied?

If your parents or grand parents are denied a visa and refused entry to Canada, you will get a FULL REFUND of the premium paid for medical insurance, provided you applied for this refund before the policy effective date as shown on your policy confirmation. If you apply for a refund after the policy effective date, the company usually charges an administration fee. A copy of the denial visa letter is required in both situations.

What If We Don't Stay For Full Year In Canada?

PARTIAL REFUNDS are available if you return to your home country early or if you become eligible under a government health plan during the period of your coverage. You will be refunded for the number of days you did not use, a cancellation fee applies. Partial refunds are not available if a claim has been or will be submitted to the insurer.

What Is the Super Visa Minimum Necessary Income?

For a Super Visa application, the host must meet IRCC's minimum necessary income requirement based on family size. The applicable amount can change, and the calculation of family size follows IRCC rules. The calculator below is provided as a quick estimate only. Always confirm the current amount and eligibility rules on the official IRCC website before applying.

Estimate the Super Visa Income Requirement

Enter your family size to estimate the minimum income requirement.

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

Important Links

What Is a Pre-Existing Medical Condition?

A pre-existing medical condition is generally a medical condition, symptom, diagnosis or treatment that existed before the policy's effective date. The exact definition varies by insurer and policy, so the policy wording controls.

Can Super Visa Insurance Cover Pre-Existing Conditions?

Some Super Visa insurance plans may cover eligible pre-existing medical conditions when the insurer's requirements are met. A common requirement is that the condition be considered stable for a specified period before the policy effective date. The required stability period and the definition of stable can vary by insurer, plan and age.

What Does “Stable” Mean?

Insurers define stability in their own policy wording. Changes such as a new diagnosis, new symptoms, medication changes, treatment changes, hospitalization, investigations or a physician recommending further treatment may affect whether a condition is considered stable. Always review the exact stability definition in the policy you are considering.

Why Medical History Matters

Eligibility and premium can depend on age, medical history, the condition involved, recent treatment or medication changes, and the selected plan. Some plans may require medical questions. Answer all application and medical questions completely and accurately.

What Should You Compare?

Whether eligible pre-existing conditions are covered
The required stability period
The policy's exact definition of stable
Medical questionnaire requirements
Exclusions and limitations
Coverage amount and deductible
Annual versus instalment payment options
Refund and cancellation provisions

Important:

IRCC requires qualifying Super Visa health insurance, but IRCC does not require every policy to cover every pre-existing medical condition. Pre-existing-condition coverage is determined by the insurer's policy terms. The policy must still meet the applicable Super Visa insurance requirements.

Compare Super Visa Insurance Quotes

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.

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

Manulife Super Visa Insurance in Canada

Looking for Manulife Super Visa Insurance?

Two Common Types of Super Visa Insurance Coverage

1. No Pre-Existing Medical Condition Coverage

2. Stable Pre-Existing Medical Condition Coverage

What does “stable” mean?

Have a Medical Condition?

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Manulife Super Visa Insurance and Pre-Existing Condition Coverage

Key Features of Our Super Visa Insurance Plans

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FROM CANADA'S TOP INSURERS

What Is Super Visa Insurance?

How Much Does Super Visa Insurance Cost in Canada?

2026 Super Visa Income Requirement Changes

2026 Super Visa Insurance Rate Examples

Super Visa Insurance for Pre-Existing Conditions

Why Choose Us for Your Super Visa Insurance?

What Are the Super Visa Requirements?

Required Documents

Frequently Asked Questions

What Is the Super Visa Minimum Necessary Income?

Estimate the Super Visa Income Requirement

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

Important Links

What Is a Pre-Existing Medical Condition?

Can Super Visa Insurance Cover Pre-Existing Conditions?

What Does “Stable” Mean?

Why Medical History Matters

What Should You Compare?

Super Visa Insurance Coverage by Medical Condition

Diabetes

High Blood Pressure (Hypertension)

Heart Conditions

Stroke or TIA

High Cholesterol

Asthma

COPD and Other Lung Conditions

Cancer

Kidney Disease

Thyroid Conditions

Arthritis and Osteoporosis

Not Sure Whether Your Condition Is Considered Stable?

Manulife Super Visa Insurance and Pre-Existing Conditions

What Does Manulife Mean by Stable?

Diabetes and Insulin

Heart Conditions, Stroke and TIA

Nitroglycerine and Angina

Asthma, COPD and Other Lung Conditions

Kidney Disease and Dialysis

Cancer

Manulife Super Visa Insurance: Frequently Asked Questions

Does Manulife offer insurance that meets Super Visa requirements?

Which Manulife plan covers stable pre-existing conditions?

Does Manulife Enhanced require a medical questionnaire?

Can diabetes be covered under Manulife Enhanced?

Super Visa Insurance Resources

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