Super Visa Insurance
Protect your loved ones while they visit you in Canada with government-compliant medical insurance.
Super Visa Insurance in Surrey
Super Visa Insurance is a required medical insurance for parents or grandparents visiting Canada under the Super Visa program. It must cover emergency medical expenses, hospitalization, and repatriation with a minimum of $100,000 for at least 1 year. It is not optional insurance. This insurance is a mandatory requirement by Immigration, Refugees and Citizenship Canada (IRCC) for visa approval.
Quick & Easy Process
Enjoy a hassle-free, fully digital process. Get insured fast with no paperwork or delays, perfect for Super Visa applications.
Rapid Claim Settlements
We prioritize your peace of mind. Our experts handle claims quickly, so your loved ones get the care they need, without the wait.
Affordable & Reliable
Affordable premiums, flexible payment options, and full IRCC-compliant coverage. Protect your family and your finances, all in one plan.
Requirements for Super Visa Insurance
To qualify for a Super Visa, Immigration, Refugees and Citizenship Canada (IRCC) requires visitors to have proper medical insurance before arriving in Canada. This coverage ensures parents or grandparents are protected against high healthcare costs during their stay.
Here are the key requirements you need to meet when purchasing Super Visa Insurance:
1. Minimum Coverage Amount
Your insurance policy must provide a minimum of $100,000 in emergency medical coverage. This is mandatory and must cover:
- Hospitalization
- Emergency medical treatment
- Ambulance services
- Repatriation to home country
2. Coverage Duration
The policy must be valid for at least one year from the date of entry into Canada. If your parent or grandparent leaves earlier, unused months can often be refunded (check with your insurer for cancellation terms).
3. Canadian-Approved Insurance Provider
The insurance policy must be:
- Issued by a Canadian company, or
- Approved by a Canadian provider if purchased abroad
IRCC requires proof that the provider can pay claims in Canada and is regulated under Canadian laws.
4. Full or Partial Payment
Previously, IRCC only accepted policies that were paid for in full. However, as of 2024, monthly payment plans are now accepted again as long as:
- The first instalment is paid upfront
- The plan is active and valid upon entry
- A valid proof of insurance is submitted with the application
Many people now opt for a Super Visa Insurance monthly payment plan for easier budgeting.
5. Policy Must Be Valid on Entry
You must provide a document (usually a policy letter or certificate) that confirms:
- Coverage starts on or before the visitor’s arrival date
- The coverage period is uninterrupted for at least 365 days
- The policy includes return benefits (medical evacuation or repatriation)
6. Covers Emergency Medical Care in Canada
Your Super Visa Insurance must include the following coverage types:
- Emergency hospital stays and surgeries
- Emergency dental care
- Physician fees and diagnostic services
- Prescription medications during a medical event
- Return of remains or medical evacuation in severe cases
7. Pre‑Existing Conditions (If Applicable)
If the person being insured has any health conditions (e.g., diabetes, blood pressure):
- The policy must cover stable pre-existing conditions, if needed
- Most insurers define "stable" as no change in treatment, dosage, or symptoms within 90–180 days
- This coverage is optional but highly recommended for older travellers
Including pre-existing conditions will increase the Super Visa Insurance quote, but offers important peace of mind.
8. Proof of Insurance for Visa Application
When submitting your Super Visa application, you’ll need to provide:
- A copy of the insurance policy
- The official payment receipt (first instalment or full payment)
- A letter or certificate confirming coverage meets IRCC guidelines
Your visa application may be delayed or rejected if this documentation is missing or incomplete.
Frequently Asked Questions
1. Is Super Visa Insurance mandatory for visitors to Canada?
Yes. To apply for a Super Visa, IRCC requires proof of private medical insurance from a Canadian provider with a minimum coverage of $100,000 for at least one year.
2. Can I pay for Super Visa Insurance monthly instead of yearly?
Yes. Bhangu Insurance offers flexible monthly payment options, making it easier to manage costs without paying the full premium upfront.
3. Does the insurance cover pre-existing medical conditions?
Some policies do cover stable pre-existing conditions. During the application, we assess your parent's or grandparent’s health history to determine eligibility.
4. What happens if the Super Visa is refused?
If the visa application is denied, you’ll receive a full refund of your premium, provided you send us a copy of the official refusal letter before the policy start date.
5. Can the policy be extended if the visitor stays longer in Canada?
Yes. Coverage can be extended or renewed if needed, as long as the visitor is still eligible and applies before the current policy expires.