01
Basic Super Visa Plan
Covers emergency medical expenses including hospitalization and doctor visits, meeting minimum Super Visa requirements.
WHAT IS SUPER VISA INSURANCESuper Visa Insurance Canada:
Super Visa Insurance Canada:
IRCC-Compliant Medical Coverage
Super Visa insurance is mandatory emergency medical coverage required by Immigration, Refugees and Citizenship Canada (IRCC) for parents and grandparents visiting Canada. It protects your family against sudden hospital and healthcare expenses that provincial plans (like OHIP or MSP) do not cover for visitors.
To meet IRCC compliance standards, each policy must provide at least $100,000 in emergency medical coverage from a Canadian insurance provider and remain valid for a minimum of one year from entry. DMPG compares plans across Canada's leading insurers to secure comprehensive coverage, flexible payment options, and pre-existing condition stability.
Visiting for less than 6 months on a standard tourist visa or eTA? Explore our flexible Visitor to Canada Insurance plans, or read our 2026 Super Visa Insurance Timing & Coverage Guide before submitting your application.
SUPER VISA INSURANCE
Your Super Visa Protection Made Simple
Super Visa Insurance ensures that parents and grandparents visiting Canada are protected from high medical costs. Explore the most common coverage options below:
02
Comprehensive Coverage
Includes extended medical benefits such as diagnostics, prescription drugs, and follow-up treatments.
03
Pre-Existing Condition Coverage
Provides protection for stable pre-existing conditions, depending on eligibility and stability period.
04
Emergency Medical Plan
Ensures coverage for unexpected illnesses, accidents, and urgent medical situations during the stay in Canada.
05
Family Support Coverage
Protects visiting parents or grandparents while giving peace of mind to family members in Canada.
06
Senior Super Visa Insurance
Specially designed for elderly applicants with higher coverage needs and age-related medical risks.
07
Flexible Payment Plan
Allows monthly installment options with low upfront payment, making insurance more affordable.
08
Extended Stay Coverage
Offers long-term protection for visitors staying in Canada up to one year or more under Super Visa rules.
APPLICATION PROCESS
Simple Steps For Super Visa Approval
How our process supports your visa approval.
Get insured before applying for a Super Visa and ensure compliance with Canadian immigration requirements.
Read More About Our ProcessStep 1
Choose Coverage Amount
Select at least $100,000 coverage as required by Canadian Super Visa regulations.
Step 2
Complete Your Application
Provide visitor details and purchase insurance before submitting your visa application.
Step 3
Get Approved & Travel
Once approved, travel with confidence knowing you're protected against medical emergencies.
SUPER VISA INSURANCE COSTSUnderstanding The Cost Of Super Visa Insurance
Understanding The Cost Of Super Visa Insurance
In Canada And What Affects It
Super Visa Insurance is mandatory for parents and grandparents visiting Canada. The cost depends on age, coverage amount, and medical history. Here are common plan options:
$75/mo
Basic Plan
Meets minimum Super Visa requirements with essential medical coverage.
- Coverage amount: $100,000 (IRCC minimum)
- Emergency hospitalization & doctor visits
- Ambulance services included
- Emergency dental (limited)
- Valid for 1 year (mandatory requirement)
$120/mo
Standard Plan
Balanced coverage with additional healthcare benefits for peace of mind.
- Coverage amount: $150,000 - $300,000
- Prescription drugs & diagnostic tests
- Follow-up medical care included
- Flexible deductibles available
- Suitable for most Super Visa applicants
$180/mo
Comprehensive Plan
Maximum protection with extended benefits and higher coverage limits.
- Coverage up to $500,000+
- Pre-existing condition coverage (if stable)
- Repatriation & travel assistance
- Accidental death & emergency return
- Best for senior parents & long stays
*Premiums depend on applicant age, deductible choice ($0 to $10,000), pre-existing condition inclusion, and policy duration.
IMMIGRATION CANADA STANDARDS
Mandatory 2026 IRCC Super Visa Insurance Criteria
Every Super Visa policy submitted to Immigration, Refugees and Citizenship Canada (IRCC) must satisfy strict legal benchmarks to guarantee visa issuance and smooth border entry.
$100,000+ Emergency Medical Minimum
IRCC requires at least $100,000 in emergency medical coverage. DMPG advisors frequently recommend $150,000 or $200,000 for senior parents due to escalating intensive-care and hospital fees in Ontario, BC, and Alberta (daily ICU bed costs can exceed $5,000/day for non-residents).
365-Day Continuous Validity
The policy must remain in force for a continuous 1-year timeline starting from the date of arrival. If arrival dates change due to flight updates, DMPG re-issues your certificate with updated dates free of charge prior to departure.
Pre-Existing Condition Stability Clauses
If parents have chronic conditions like hypertension, diabetes, or previous cardiac history, coverage is available provided the condition meets the insurer's stability window (typically 90 to 180 days with no medication changes, new symptoms, or hospitalizations prior to departure).
100% Visa Refusal Refund Guarantee
If the Super Visa application is declined by IRCC, Canadian insurers offer a 100% full refund of the premium upon presentation of the official embassy refusal letter. Furthermore, if parents return home early without filing claims, partial pro-rated refunds are available.
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PARENT & GRANDPARENT MEDICAL PROTECTION
How Super Visa Medical Coverage Protects Your Parents in Canada
Super Visa Insurance is a mandatory health insurance plan for parents and grandparents visiting Canada. It ensures coverage for emergency medical expenses in a country where healthcare costs are very high.
To qualify, the insurance must provide at least $100,000 coverage and be valid for one year. It protects families from unexpected medical bills and ensures proper care during their stay.
HOW SUPER VISA INSURANCE WORKS
Understanding How Super Visa Insurance Provides Protection
You select a coverage plan based on your needs and purchase it before applying for the Super Visa. The policy must meet IRCC requirements, including minimum coverage and duration.
If a medical emergency occurs during the visit, the insurance covers hospitalization, doctor visits, and other healthcare costs. This ensures financial safety and smooth visa approval.
POLICY TERMS
Understanding Coverage & Terms
Coverage Amount:
Minimum $100,000 coverage is required to meet Canadian Super Visa (IRCC) regulations.
Medical Benefits:
Includes emergency hospitalization, doctor visits, ambulance services, and diagnostic tests.
Exclusions:
Certain conditions like unstable pre-existing illnesses or non-emergency treatments may not be covered.
Additional Benefits:
Optional add-ons include coverage for pre-existing conditions, repatriation, and travel assistance.
WHY CHOOSE SUPER VISA INSURANCE?
Why Super Visa Insurance Matters
Mandatory Requirement:
Super Visa Insurance is required for visa approval by Canadian immigration authorities.
Financial Protection:
Protects families from extremely high healthcare costs in Canada.
Flexible Plans:
Choose from different coverage amounts, deductibles, and payment options.
INDEPENDENT UNDERWRITER COMPARISON
Compare Top Canadian Super Visa Insurance Providers We Broker
As an independent Canadian insurance brokerage, DMPG shops across 25+ authorized Canadian underwriters. We do not work for any single insurance company—we compare rates side-by-side to find the lowest monthly deposit, the most forgiving pre-existing condition stability clause, and guaranteed 100% visa refusal protection.
2026 IRCC-Compliant Underwriters
Side-by-Side Super Visa Underwriter Features
All Plans Meet IRCC $100K+ Requirements
| Canadian Insurer | Coverage Limits | Monthly Payment Plan | Pre-Existing Condition Stability | 100% Visa Refusal Refund |
|---|---|---|---|---|
Manulife Top Rated for Reliability | $100k, $150k, $200k to $1M | Available (2 Months Deposit) | 180 Days Stability Period | 100% Refund with IRCC Refusal |
TuGo Flexible Payment Structure | $100k to $300k+ | Annual or Monthly Options | 120 to 180 Days Stability Options | 100% Refund with IRCC Refusal |
Travelance Popular Most Affordable Monthly Cashflow | $100k to $300k | Available (Low Monthly Deposit) | 90 to 180 Days (Essential / Premier) | 100% Refund with IRCC Refusal |
GMS (Group Medical Services) Comprehensive Emergency Care | $100k to $1,000,000 | Annual or Monthly Options | 180 Days Stability Required | 100% Refund with IRCC Refusal |
Blue Cross Established Canadian Network | $100k to $300k | Available (Select Plans) | 90 to 180 Days Stability | 100% Refund with IRCC Refusal |
Allianz Global Assistance Worldwide Assistance Hub | $100k to $500k+ | Annual or Monthly Options | 120 to 180 Days Stability Window | 100% Refund with IRCC Refusal |
RIMI (RSA Underwritten) Newcomer & Parent Preferred | $100k to $300k | Available (2 Months Deposit) | 90 to 180 Days Stability Plans | 100% Refund with IRCC Refusal |
* Rates and stability requirements vary by applicant age, medical declaration, and travel dates. All policies brokered through DMPG adhere strictly to IRCC guidelines.
Get Custom Multi-Quote →Real Client Strategy
Read Case Study: How Rahul Saved $4,500 on Super Visa Insurance & Grew His TFSAWant to see how real Canadian families structure Super Visa monthly payments?
Discover how strategic broker underwriting helped save thousands on medical deposit requirements while funding tax-free investments.
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WHY CHOOSE US
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We simplify insurance & investment— from finding the right policy to guiding every step of your claim.
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Get a tailored policy that aligns with your needs, priorities, and future goals.
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Understand every step with simple advice and zero unnecessary confusion.
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Apply from anywhere with a quick digital process that saves your time.
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2026 IRCC PAYMENT FLEXIBILITY
How Super Visa Insurance Monthly Payment Plans Work (2026 IRCC Deposit Rules)
Immigration, Refugees and Citizenship Canada (IRCC) allows monthly payment plans for Super Visa emergency medical insurance. Instead of paying thousands of dollars upfront, families can secure official visa-approval coverage by putting down a modest deposit, with the remaining balance billed monthly after arrival.
1. Upfront Deposit
Underwriters collect a 2-month premium deposit plus an administration fee (typically $25–$50) to issue the IRCC-compliant policy document.
2. Monthly Billing
The remaining 10 monthly payments are billed automatically via pre-authorized debit or credit card once the insured arrives in Canada.
3. 100% Visa Refusal Refund
If the Super Visa application is declined by IRCC, 100% of your deposit and premium is promptly refunded upon providing the refusal letter.
Sample Super Visa Monthly Rates by Age Bracket ($100,000 CAD Minimum IRCC Coverage)
Representative monthly rates across top Canadian underwriters (Manulife, 21st Century, Destination Canada, Allianz, GMS). Final premiums depend on deductible selection ($0 to $10,000) and pre-existing medical conditions.
| Age Bracket | Sample Monthly Rate | IRCC Upfront Deposit (2 Mos) | Pre-Existing Condition Option | Visa Refusal Refund |
|---|---|---|---|---|
| Age 50–59 | $75 – $115 / mo | $150 – $230 deposit | Available (90–180 day stability) | 100% Refundable |
| Age 60–69 | $120 – $175 / mo | $240 – $350 deposit | Available (90–180 day stability) | 100% Refundable |
| Age 70–79 | $180 – $295 / mo | $360 – $590 deposit | Medical questionnaire option | 100% Refundable |
| Age 80+ | $350 – $520 / mo | $700 – $1,040 deposit | Individual underwriter review | 100% Refundable |
SUPER VISA FAQS
Clear Answers For Family Reunification
To qualify for a Super Visa, the insurance policy must provide at least $100,000 in coverage, be valid for one year from the date of entry, and be issued by a Canadian insurance company. It must cover health care, hospitalization, and medical repatriation.
The super visa insurance canada price varies depending on age, health, and coverage limits. We compare multiple providers to offer you the cheap super visa insurance canada options. You can easily get a super visa insurance canada quote online through our website.
Buying super visa insurance canada from india for your parents is simple. As long as you purchase the policy from a Canadian provider, it will be valid for their application. We help you secure the best super visa insurance canada for parents arriving from India or any other country.
As an independent brokerage, DMPG compares IRCC-compliant Super Visa plans across leading Canadian underwriters including Manulife, TuGo, Travelance, GMS, Blue Cross, Allianz, and RIMI to match your parents' age, medical history, and deductible preferences.
Instead of paying the full 12-month premium upfront, approved monthly payment plans require only the first two months' premium plus a small administrative fee at the time of application, while still issuing the full 365-day policy certificate required by IRCC.
Yes. If the Super Visa application is refused by IRCC, most providers offer a full refund of the insurance premium. You will simply need to provide the official denial letter to process the request.
If your parents return to their home country before the policy expires, you can apply for a partial refund of the unused premium. This is applicable provided no medical claims have been filed during their stay in Canada.
Many plans offer coverage for pre-existing conditions as long as they have been 'stable' (no changes in medication or symptoms) for a specific period, usually 180 days before arrival. We help you compare different providers to find the most inclusive plan for your parents' health history.
Yes, we offer several monthly payment plan options. This allows you to meet the IRCC requirement for proof of insurance without paying the full annual premium upfront, though a small deposit is typically required.
Bringing family home?
Let our advisors secure the best IRCC-compliant rates for your loved ones.
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