Insurer eligibility
Check the issuer and any applicable foreign-insurer requirements; broker names are not the same as the underwriter.
For parents and grandparents · Ottawa, Ontario
Super Visa Insurance in Canada: compare plans with confidence
Get help comparing emergency medical policies for parents or grandparents visiting family in Ottawa and across Canada. Start with the quote form, then check coverage, eligibility, payment terms and exclusions before buying.
Ontario licensed · 10+ years' experience · English, Hindi, Punjabi & Urdu
Compare Available Insurance PlansWith Harpreet Singh · Zoho Financial
Getting your Super Visa quote
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Coverage explained
What coverage does IRCC require for a Super Visa?
IRCC currently requires proof of private health insurance on each entry. The policy must be valid for at least one year from the date of entry, provide at least $100,000 in emergency coverage, and cover health care, hospitalization and repatriation.
A policy may be paid in full or in instalments with a deposit, if it satisfies IRCC's conditions. A quotation alone is not acceptable proof of insurance. Insurance may be issued by a Canadian insurer or an eligible foreign insurer meeting IRCC's specified conditions. Always refer to the current official requirements.
Make an informed decision
Six things to compare before you buy
Insurance coverage and exclusions vary by insurer and policy. These questions help you compare more than the advertised premium.
Pre-existing conditions
Compare stability periods, medical questionnaires and whether a condition is covered, excluded or subject to limits.
Coverage and deductibles
Compare $100,000 or higher limits with deductibles and policy exclusions—not only the premium.
Payment and refunds
A qualifying instalment plan with deposit is possible; review missed-payment cancellation terms and refund rules.
Dates and proof
Confirm effective date, one-year validity from entry and proof available for border review.
Claims assistance
Check emergency assistance contact procedures and when approval is needed before treatment.
Side-by-side considerations
Super Visa Insurance: practical comparison guide
| Comparison factor | Why it matters | What to check |
|---|---|---|
| Coverage amount | A policy must meet IRCC minimums | At least $100,000 emergency coverage |
| Deductible | Higher deductible may reduce premium but raise claim cost | Dollar amount per claim/condition or policy |
| Medical stability | Different policies define stability differently | Look-back period, changes in medication |
| Monthly / instalment payments | Not all arrangements satisfy application rules | Deposit, policy issuance, lapse terms |
| Refund eligibility | Refunds depend on circumstances and contract | Visa refusal, early return, claim history |
This comparison is educational. It is not a representation of a specific insurer's contract.
Common questions
Frequently asked questions about super visa insurance
Is Super Visa insurance mandatory?
Current IRCC requirements include proof of a qualifying health insurance policy for each entry to Canada.
Can I pay for Super Visa insurance monthly?
IRCC permits qualifying policies paid in instalments with a deposit, but a quote alone is not accepted. Verify that the insurer payment arrangement and issued document meet the rules.
Does the insurer have to be Canadian?
No. IRCC also allows certain foreign insurers meeting the specific OSFI authorization and Canada-business requirements. Review the current official conditions.
How much coverage is required?
At least $100,000 in emergency coverage, with health care, hospitalization and repatriation, valid for at least one year from entry.
Can I buy before my visa is approved?
Applicants generally need eligible proof of insurance with the application. Check refund or date-change conditions before purchasing.
How long can Super Visa holders stay?
Eligible Super Visa holders can generally be authorized for up to five years at a time. The decision and applicable status conditions are determined by immigration authorities.
Primary information sources
Content reviewed October 2026. Official requirements and insurer policies may change.
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