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Super Visa insurance quotes for parents & grandparents visiting Canada
Compare eligible Canadian medical insurance options for Super Visa applications with help from a Toronto-based advisor serving families across Ontario.
Plans from ~$1,000/yr for $100,000 coverage · monthly payments available
OntarioToronto & GTA families served
FreeNo-obligation quote review
LicensedFSRA-regulated advisor
Super Visa insurance in brief
Super Visa insurance is the emergency medical coverage Canada requires before a parent or grandparent can be approved for a Super Visa. The policy must provide at least $100,000 in emergency medical coverage, be valid for at least one year from the date of entry, and come from a Canadian insurer or an IRCC-designated foreign insurer. Proof of the policy is submitted with the visa application.
What it costs: roughly $1,000 to $6,000+ per year for the required $100,000 of coverage. Age moves the price most — about $1,250 a year at ages 40 to 54, rising to roughly $5,000 a year at 75 and over. Deductible, medical history and coverage amount account for the rest. Monthly payment plans are available on many policies.
Where to buy it: from a licensed Canadian insurance advisor or direct from an insurer. The premium is identical either way, because the insurer sets the rate, so an advisor costs nothing extra and checks the wording before you commit. No coverage exists until the premium is paid.
In depth: what it costs and how to pay less · how to compare plans · costs by age · using a foreign insurer · refunds if the visa is refused · Super Visa vs visitor insurance
Why families use Cover & Protect
Super Visa insurance is not just about finding the cheapest price. The plan must fit the application, the visitor’s health, and your family’s budget.
Local advisor help
Work with a Toronto-based Ontario advisor who can explain the difference between plans in plain language.
Application-ready proof
Get guidance on insurance proof for the Super Visa application and what details your family should double-check.
Serving families across Toronto, the GTA and Ontario
Cover & Protect helps parents, grandparents, sponsors and newcomer families compare Super Visa and visitor insurance options by phone, email and online.
Toronto
Mississauga
Brampton
Vaughan
Markham
Richmond Hill
Scarborough
Etobicoke
North York
Oakville
Hamilton
All Ontario
A calmer way to choose coverage
Families often arrive with urgent questions: pre-existing conditions, refunds, deductibles, monthly payments, and proof for the application. Cover & Protect helps you slow the decision down and compare the details clearly before you buy.
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What families typically pay
Age is the biggest factor for the required $100,000 of coverage. These are illustrative 2026 ranges — try the interactive cost calculator, see the full cost guide, or get your exact price below.
Simple quote process
The goal is to make the first step fast, then give you accurate options after the key details are known.
Send the visitor details
Age, arrival date, coverage amount, and medical-condition notes if any.
Compare suitable plans
Cover & Protect reviews options based on eligibility, budget, and family priorities.
Choose with confidence
You get a clear explanation before moving ahead. No obligation.
Super Visa insurance requirements: what IRCC actually asks for
Immigration, Refugees and Citizenship Canada (IRCC) sets four conditions your policy has to meet. A plan that misses even one can cause the Super Visa application to be refused, so this is the first thing to check — before price.
At least $100,000 in coverage
The policy must provide a minimum of $100,000 in emergency medical coverage. You can buy more, but $100,000 is the floor IRCC accepts for a Super Visa.
Valid for at least 365 days
Coverage must be valid for a minimum of one year from the date your parent or grandparent enters Canada. Short-term visitor policies do not qualify.
From an approved insurer
The policy must come from a Canadian insurance company, or a company outside Canada approved by IRCC. See our foreign insurer rules guide.
Emergency care, hospital & repatriation
The plan must cover emergency healthcare, hospitalization and repatriation, and you must be able to show proof of the policy with the application.
Requirements are set by IRCC and can change — always confirm the current rules at canada.ca before applying. Cover & Protect reviews the wording of your policy against these conditions at no charge, so you are not guessing when you submit.
How to get the cheapest Super Visa insurance — without risking the visa
Price differences between insurers for the same applicant can run into hundreds of dollars a year. These are the levers that genuinely lower the premium, and the one trade-off to avoid.
1. Choose a higher deductible
This is the biggest single lever. Accepting a deductible (the first portion of a claim you pay yourself) can reduce the annual premium noticeably. It lowers the price without creating a coverage gap — you simply share more of a smaller claim.
2. Insure the amount you actually need
$100,000 is the IRCC minimum. Higher limits cost more, so unless your family specifically wants extra protection, there is usually no need to over-buy.
3. Take the base plan, not the top tier
Super Visa insurance is emergency medical coverage. Optional extras your family will not use simply add cost.
4. Buy before any health change
Stable pre-existing conditions are usually covered. A recent medication or treatment change can restart the insurer's stability clock and raise the price — so lock coverage in early.
5. Compare more than one insurer
This is where an independent advisor helps: one set of details, quoted across several Canadian insurers, so you see the lowest compliant price rather than a single company's rate.
The trade-off to avoid: the cheapest quote is not a saving if it fails the IRCC conditions or excludes the condition your parent actually has. A refused visa or a denied claim costs far more than the few hundred dollars saved. Our job is to find the lowest price that still qualifies and pays.
Paying monthly instead of all at once
A full year of coverage at $100,000 is a significant amount to pay up front, especially for families who are also covering flights and settling relatives in. Several Canadian insurers offer a monthly-payment option for Super Visa policies — typically an initial payment followed by monthly instalments.
Availability, the deposit amount and any administration fee vary by insurer and depend on the applicant's details. Monthly plans can also make refunds and cancellations work differently, which is worth understanding before you commit. Ask us to show you both the annual and monthly figures side by side so you can choose with the real numbers in front of you.
Pre-existing conditions and older applicants
Most parents and grandparents applying for a Super Visa manage something — blood pressure, cholesterol, diabetes, a heart condition. The good news is that stable pre-existing conditions can usually be covered.
"Stable" generally means no new symptoms, no new tests, no change in medication or dosage and no new treatment during the insurer's defined stability period before coverage starts — commonly 90 to 180 days, depending on the insurer and the applicant's age. Rules tighten with age, and applicants in their late 70s and 80s may face a medical questionnaire or underwriter review.
Answer every medical question accurately. An inaccurate answer — even an innocent one — is the most common reason a large claim is later denied. If you are unsure how to describe a condition, ask before you buy, not after.
What Super Visa insurance covers — and what it does not
Super Visa insurance is emergency medical coverage. Knowing the boundary prevents unpleasant surprises.
Typically covered
Emergency hospital and physician services, diagnosis and treatment of a sudden medical emergency, ambulance transport, emergency dental relief in limited circumstances, prescription drugs related to an emergency, and repatriation. Stable pre-existing conditions are commonly covered where the insurer's stability requirements are met.
Typically not covered
Routine check-ups, preventive care, ongoing management of a known condition, elective or non-emergency treatment, most pregnancy and childbirth costs, and care the visitor travelled to Canada specifically to receive. Coverage may also be reduced if the insurer's 24/7 emergency line is not called before treatment.
Exact benefits, limits and exclusions are set by each insurer's policy wording. Cover & Protect walks you through the wording that matters for your family's situation before you buy — see also our plain-language Super Visa guide and the difference between Super Visa and visitor insurance.
Super Visa insurance questions
How much does Super Visa insurance cost?
Most families pay roughly $1,000–$6,000+ per year for the required $100,000 of emergency medical coverage, depending mainly on the applicant's age, health and deductible. See the full 2026 Super Visa insurance cost guide or request a quote for an exact price.
What coverage amount should we choose?
Many families compare different coverage amounts and deductibles. The right choice depends on the current Super Visa requirements, visitor age, health history and budget.
Can we pay monthly?
Some plans may offer monthly-payment options. Availability depends on insurer rules and application details.
What if the visa is refused?
Refund rules vary by insurer and policy timing — most insurers refund in full on refusal if the policy hasn't started. Read our Super Visa insurance refund guide, and Cover & Protect can explain the refund wording before you buy.
What are the Super Visa insurance requirements?
The policy must provide at least $100,000 in emergency medical coverage, be valid for a minimum of 365 days from the date of entry, come from a Canadian insurer (or an IRCC-approved provider outside Canada), and cover emergency healthcare, hospitalization and repatriation. You must show proof with the application. Requirements are set by IRCC and may change — confirm current rules at canada.ca.
Which company has the cheapest Super Visa insurance?
There is no single cheapest insurer for everyone — premiums are set by the applicant's age, the coverage amount, the deductible and medical history, so the winner changes by profile. The reliable way to pay less is to raise the deductible, insure the $100,000 minimum rather than over-buying, and compare several insurers with one set of details. As an independent advisor we do that comparison for you, free.
How far in advance should we buy the policy?
Buy before you submit the Super Visa application, since proof of insurance is required with it. Buying early also protects the price: a change in medication or treatment can restart an insurer's stability period and affect coverage for a pre-existing condition.
Does the policy have to start immediately?
No. The start date is normally set to the expected arrival date in Canada, and many insurers allow the date to be adjusted if travel plans change. Confirm the specific insurer's rules on changes and refunds before you buy.
Do you only help Toronto clients?
No. Cover & Protect helps families across Ontario, including Toronto, Mississauga, Brampton, Vaughan, Markham, Richmond Hill, Scarborough, Etobicoke and nearby communities.
Do you serve clients outside Toronto?
Yes. Cover & Protect serves families across the Greater Toronto Area and Ontario by phone, email and online.
Is the quote consultation free?
Yes. The quote consultation is free and there is no obligation to buy.
Ready before you apply?
Get a Super Visa insurance quote reviewed by an Ontario-licensed advisor before you submit your application documents.