Super Visa Insurance for Pre-Existing Conditions Canada 2026 | SSJ Financial
Working Hours : 24/7
416-825-3091 Contact Us
Compare Super Visa Insurance Quote
Get A Quote
   416-825-3091
Super Visa Insurance - Buy Before You Apply

Super Visa Insurance for Pre-Existing Conditions in Canada

If your parent or grandparent has a pre-existing medical condition, they may still qualify for Super Visa insurance that provides coverage for eligible stable pre-existing conditions. Coverage depends on factors such as age, medical history, the condition, how long it has been stable, and the insurance plan selected. SSJ Financial can help you compare Super Visa insurance options and understand the stability requirements before you purchase.

Important: The deposit, number of instalments, billing or setup fees, cancellation rules and eligibility can differ by insurer and plan. A quote by itself is not accepted as proof of insurance. Review the insurer's policy and payment terms before purchasing.

Have a Pre-Existing Medical Condition?

Diabetes, high blood pressure, heart conditions or other medical conditions may not automatically prevent you from getting Super Visa insurance. Compare available plans based on age, medical history and stability requirements.

COMPARE PRE-EXISTING CONDITION COVERAGE

Get a quote in less than a minute • No obligation

GET A FREE INSTANT QUOTE

By entering my email I agree to receive relevant email correspondence

Super Visa Insurance with 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
    • Best medical Super Visa Insurance for visitors to Canada

Our Trusted Industry Partners

FROM CANADA'S TOP INSURERS

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

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$904Not 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 Resources

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

Super Visa Insurance Canada
Monthly Payment Plans
Pre-Existing Conditions
At SSJ financial, I place my clients’ interests first. I firmly believe that one size doesn’t fit all. Every advice that I offer, fits into a customized plan to suit the needs of my clients.

Latest Blog

img

Can I Change the Super Visa Insurance Start Date?

img

Does Super Visa Insurance Cover Emergency Dental Treatment?

img

Where Can I Buy Super Visa Insurance in Canada?

img

Super Visa vs. Visitor Insurance: What's Different?

img

Can Parents With Health Conditions Get Super Visa Insurance?

Need Any Help? Or Looking For an Agent

416-825-3091
info@ssjfinancial.com
Working Hours : 24/7
© Copyright 2024 | SSJFINANCIAL.COM

Pre-Existing Conditions: Frequently Asked Questions

Does diabetes automatically prevent Super Visa insurance coverage?

No. Eligibility depends on the insurer, plan, medical history and whether the condition meets the policy's requirements, including any applicable stability period.

Can high blood pressure be covered?

Some plans may cover eligible stable pre-existing conditions such as high blood pressure, subject to the policy's definitions, exclusions and eligibility rules.

What if medication was recently changed?

A recent medication change can affect whether a condition meets an insurer's stability definition. Review the exact policy wording before purchasing.

Does IRCC require pre-existing-condition coverage?

IRCC requires qualifying private health insurance for the Super Visa. Whether a specific pre-existing condition is covered depends on the insurer and policy terms.