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Super Visa Insurance for Parents and Grandparents

Use the quote form to compare available Super Visa insurance options based on age, coverage, deductible and plan type. SSJ Financial helps families compare plans from multiple insurance providers, including costs, deductibles, monthly payment options and eligible pre-existing medical condition coverage. Policy eligibility, benefits, exclusions and pre-existing-condition rules vary by insurer.

Super Visa Insurance in Canada

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

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!

Compare Super Visa Insurance Providers

SSJ Financial's quote system lets you compare available Super Visa insurance plans from multiple providers based on the traveller's age and selected coverage. Options may include Manulife, TuGo, GMS, Destination Canada, Travelance, JF and Travel Shield. Availability and eligibility vary by applicant and current policy terms.

Reviewed by Swinder Singh, SSJ Financial. Last content review: October 1, 2026.

What Is Super Visa Insurance?

Super Visa insurance is private emergency medical insurance for parents and grandparents applying for Canada’s Super Visa. The policy must meet current IRCC requirements, including at least $100,000 in emergency medical coverage for health care, hospitalization and repatriation, and it must be valid for at least one year from the date of entry to Canada.

Canada introduced the Super Visa in 2011. It allows eligible parents and grandparents of Canadian citizens and permanent residents to make extended visits to Canada, subject to current immigration requirements and the validity of the visa and passport.

Insurance requirements and eligible insurer rules can change. Applicants should confirm the current requirements directly with Immigration, Refugees and Citizenship Canada (IRCC) before applying.

How Much Does Super Visa Insurance Cost in Canada?

Based on the sample rates shown on this page, $100,000 of Super Visa insurance coverage ranges from approximately $904 to $2,385 per year for the illustrated ages and plan assumptions. Monthly payment examples shown below start from about $80 per month where a monthly option is available.

These are sample rates, not a guarantee of the lowest rate in Canada. Your actual premium 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

Sample rate assumptions: $100,000 coverage for the ages shown. Last updated: September 2026. These are illustrative rates only and are not a guarantee of the lowest available premium. Actual premiums vary by age, medical history, pre-existing condition eligibility, deductible, coverage selected, insurer and plan. Monthly payment plans may have separate eligibility rules, payment terms or fees. Use the quote form above for current personalized pricing.

Super Visa Insurance Monthly Payment Plans

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 SSJ Financial for Super Visa Insurance?

Compare Super Visa insurance options for parents and grandparents with clear information on coverage, payment choices and policy features.

  • Compare Super Visa insurance options from multiple available providers.
  • Choose annual or available monthly payment options.
  • Compare coverage for eligible pre-existing medical conditions.
  • Compare premiums, deductibles and benefits based on your needs.

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

Official source: IRCC Super Visa insurance and document requirements. Immigration and insurance requirements can change, so confirm the current rules before applying.

Super Visa Insurance: Quick Answers

What is Super Visa insurance? It is private medical insurance used by parents and grandparents applying for or travelling to Canada under the Super Visa program. Coverage must meet the current Super Visa insurance requirements.

Can I compare prices before buying? Yes. Use the quote form above to compare available plans by age, coverage amount, deductible, payment option and eligible pre-existing-condition coverage.

How do I find the best Super Visa insurance rates in Canada? The best available rate depends on the traveller’s age, medical history, coverage amount, deductible and whether coverage for stable pre-existing conditions is needed. Compare available quotes from multiple insurers because premiums, benefits, exclusions and stability requirements can differ by plan.

Are monthly payments available? Yes. Certain plans offer monthly payment options. The payment schedule, fees and eligibility depend on the insurer and plan.

What if my parents leave Canada early? A partial refund of unused premium may be available on eligible plans, subject to the insurer's cancellation rules, applicable fees and claim restrictions.

Frequently Asked Questions

How Fast Can I Get a Super Visa Insurance Policy?
A Super Visa insurance policy can be issued right away once the application is completed and payment is approved. The policy documents are then emailed to the client so they can be included with the Super Visa application.
Can I Buy Super Visa Insurance After My Parents Arrive in Canada?
For a new Super Visa application, the required medical insurance must be purchased before applying for the visa and must meet current IRCC requirements.

If your parent or grandparent is already in Canada and needs to renew or purchase a new policy, they can purchase coverage while in Canada. If there is a gap between the previous policy and the new policy, a waiting period may apply depending on the insurer and plan selected.
What Deductible Should I Choose for Super Visa Insurance?
The right deductible depends on your budget and how much you are comfortable paying toward an eligible claim. A higher deductible usually lowers the insurance premium, while a lower deductible or $0 deductible usually costs more but reduces the amount you pay out of pocket when an eligible claim occurs.
Can Parents Over 80 or 85 Get Super Visa Insurance?
Yes. Super Visa insurance is available from certain insurers for parents and grandparents over age 80 or 85. Premiums are generally higher at older ages, and available plans, deductibles, medical questionnaires and coverage for stable pre-existing medical conditions can vary by insurer and medical history.
Is Super Visa Insurance the Same as Visitor Insurance?
Not exactly. Both can provide emergency medical insurance for visitors to Canada, but a policy used for a Super Visa must meet the current IRCC Super Visa insurance requirements. Regular visitor insurance does not necessarily meet those requirements.
How Do I Find the Best Super Visa Insurance Rates in Canada?
The best available Super Visa insurance rate depends on the traveller’s age, medical history, coverage amount, deductible and whether coverage for stable pre-existing conditions is needed. Compare available quotes from multiple insurers because premiums, benefits, exclusions and stability requirements can differ by plan.
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 I Pay Monthly for Super Visa Insurance, and What Happens If My Parents Leave Canada Early?
Yes. Monthly payment options are available with certain Super Visa insurance plans. If your parent or grandparent returns home earlier than expected, a partial refund of the unused premium may be available on eligible plans. Refund eligibility, cancellation fees and claim restrictions vary by insurer, so the policy wording should be reviewed before purchase.
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

Super Visa Insurance Questions & Guides

Find quick answers to common Super Visa insurance questions, then open the detailed guide for rates, payment options and coverage information.

How much does Super Visa insurance cost for my parent's age?

Super Visa insurance rates vary by age and other quote details. See our age-based examples and compare available options.

See Super Visa insurance cost by age →

Which Super Visa insurance should I compare for parents over 70?

Age can affect available plans and premiums. Start with our cost-by-age guide to review age-specific rate examples and options.

Compare options by age →

Can I pay for Super Visa insurance monthly?

Monthly payment options are available on selected Super Visa insurance plans. Payment schedules and eligibility depend on the insurer and plan.

View monthly payment options →

Can Super Visa insurance cover pre-existing medical conditions?

Some plans may cover eligible pre-existing medical conditions when the insurer's applicable stability and eligibility requirements are met.

Compare pre-existing condition coverage →

Does Super Visa insurance cover diabetes or high blood pressure?

Coverage depends on the selected plan, medical history and the insurer's definition of an eligible or stable pre-existing condition.

Read the pre-existing conditions guide →

How does Manulife Super Visa insurance handle pre-existing conditions?

Manulife offers different Visitors to Canada plan options with different pre-existing-condition provisions and eligibility requirements.

Read the Manulife Super Visa guide →
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.

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