Super Visa Insurance

Super Visa Insurance Canada

Bringing your parents or grandparents to Canada on a Super Visa starts with one non-negotiable step: private medical insurance that meets IRCC’s requirements. Without it, the visa application can’t be approved. With the right policy — and the right broker — it’s the simplest part of the whole process.

What IRCC requires

Immigration, Refugees and Citizenship Canada requires every Super Visa applicant to show proof of private medical insurance that:

• Provides at least $100,000 in emergency medical coverage
• Is issued by a Canadian insurance company (policies from insurers in your parents’ home country don’t count)
• Is valid for at least one full year from the date your parents enter Canada
• Covers health care, hospitalization, and repatriation

Buy the policy before the visa application is submitted — you’ll need proof of insurance as part of the application package.

Why buy through a broker instead of direct

The cheapest policy that “meets the minimum” isn’t always the right one for your parents’ medical history. A broker compares plans from multiple Canadian insurers and matches the policy to your family: the right coverage amount, deductible options that fit your budget, and — critically — pre-existing condition rules that work with your parents’ health background, not against it. The price is the same as buying direct; the advice is free.

Pre-existing conditions: get this right before you pay

Most Super Visa insurers cover pre-existing conditions that have been stable for a set period before the policy starts — but the definition of “stable” and the length of that period differ from insurer to insurer. A change in medication, a new symptom, or a recent test can affect eligibility. Disclose your parents’ full medical history honestly when getting a quote: it’s the single most important factor in whether a future claim gets paid.

Monthly payments, renewals, and refunds

A full year of coverage is a significant purchase. Monthly payment plans are available, so you don’t have to pay the entire annual premium upfront. And life happens — if the visa is refused or travel plans change, refund options exist for eligible unused coverage. Ask about both when you get your quote.

Frequently asked questions

Can I buy Super Visa insurance from a company outside Canada?

No. IRCC requires the policy to be issued by a Canadian insurance company. Foreign policies are not accepted and will result in a refused application.

Does Super Visa insurance cover routine doctor visits?

No — it’s emergency medical insurance. It covers unexpected illness and injury: emergency treatment, hospitalization, diagnostic tests, ambulance, and prescribed medications for covered emergencies. Routine checkups and preventive care aren’t included.

What if my parent’s visa application is refused?

You may be eligible for a refund of the premium for unused coverage, depending on the insurer’s terms. Keep all refusal documentation — you’ll need it for the refund request.

Can the policy be renewed for a second year?

Yes. Super Visa holders staying in Canada beyond the first year need a new one-year policy. Start the renewal conversation a few weeks before expiry so there’s no gap in coverage.

Why families choose Jubilee Financials

With 540+ five-star Google reviews, Sohil Rayani has helped families across the GTA and Ottawa bring their parents to Canada with the right Super Visa insurance — comparing multiple insurers, explaining pre-existing condition rules in plain language, and standing behind every policy at claim time. Always with you — from sales to claims.

Call or text Sohil Rayani at 647-567-6786 for a free Super Visa insurance quote, or visit www.jubileefinancials.com.