Super Visa Insurance
Medical insurance for parents and grandparents, with monthly payment options.
The Super Visa lets parents and grandparents of Canadian citizens and permanent residents stay in Canada for up to 5 years at a time. To apply, they need private medical insurance that meets the Government of Canada's rules.
I help families choose the right plan, compare prices between insurers, and get the insurance documents the application asks for.
What IRCC requires from the insurance
- At least $100,000 in emergency medical coverage
- Valid for at least 1 year from the date of entry
- Covers health care, hospitalization and repatriation
- Paid in full, or in instalments with a deposit (a quote is not accepted)
- Issued by a Canadian insurance company, or by a foreign insurer authorized by OSFI
- Available for border officers to review on request
Source: Government of Canada (IRCC), Super Visa forms and documents
Pay monthly
Two of the insurers I work with let you pay a Super Visa policy by month instead of all at once:
21st Century
2 payments when you buy + $50 per policy
If the person has not travelled yet, the policy can remain pending, with no additional payments while waiting for the visa. If they are already in Canada or need coverage immediately, the policy is activated and the payment schedule begins.
Destination
2 initial instalments · $10 per person per payment
The policy is issued with a start date. If travel plans change, request a date adjustment before that date to avoid coverage and scheduled payments starting as planned.
Not sure yet when they will travel? 21st Century allows the policy to remain pending until the travel date is known. If coverage is needed immediately, it can be activated from the start.
Insurers I work with for Super Visa
Compare options from Manulife, 21st Century, TuGo and Destination. Eligibility, benefits and conditions vary by plan.
Manulife
Basic, Standard and Enhanced plans. The Enhanced plan can cover stable pre-existing conditions.
21st Century
Basic, Standard and Enhanced plans. Monthly payments and up to 2 years (730 days) of coverage, subject to eligibility.
TuGo
Plans for every age, including 86 and over, with an option for stable pre-existing conditions.
Destination
Option 1 may cover eligible stable pre-existing conditions, subject to policy terms. Monthly payments available.
How it works
Quote
Enter the ages and the start date in the calculator and compare prices.
Buy
Pay in full or monthly. If you have questions, I go over the options with you.
Apply
You receive the policy documents to include with the Super Visa application.
Frequently Asked Questions
Can I pay the Super Visa insurance monthly?
Yes. IRCC accepts instalments with a deposit. 21st Century and Destination offer monthly options; eligible 21st Century plans can extend to 730 days.
What happens if the visa is refused?
Refunds following a visa refusal depend on the insurer, policy status and applicable conditions. I can explain the terms before you buy.
Are pre-existing conditions covered?
Some plans may cover stable pre-existing conditions, subject to stability periods, eligibility and medical questionnaires where applicable. Other plans exclude them. Review policy terms before purchasing.
Do I have to buy 1 year if the visit is shorter?
Yes. For the Super Visa application, the insurance must be valid for at least one year from the date of entry. If the visit ends early, cancellations and refunds depend on the insurer and policy terms.
Who buys the insurance?
Usually the child or grandchild living in Canada buys it for their parents or grandparents. The policy is in the visitor's name.
Super Visa guides
Want more details before purchasing? Read our guides (in Spanish):
Compare prices in minutes
See every Super Visa plan side by side, or write to me and I'll help you choose.