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Unit 108 B - 2635, 37 Ave NE,
Calgary, AB, T1Y 5Z6
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Super Visa Insurance
Calgary & Across Canada
Super Visa Insurance for Parents & Grandparents
Bring your family closer. We help you meet every IRCC Super Visa insurance requirement with the lowest guaranteed rates, flexible monthly payments, and honest, personalized advice — in the language you are most comfortable speaking.
$100,000+Minimum coverage
1 YearMinimum validity
Up to 5 YrsStay per entry
Same DayPolicy issued
The 4 Rules
What Super Visa insurance must include
To approve a Super Visa, Immigration, Refugees and Citizenship Canada (IRCC) requires proof of valid emergency medical insurance that meets four conditions:
$
At least $100,000
Minimum emergency medical coverage — you can choose higher limits for extra peace of mind.
1y
Valid 1 full year
The policy must be valid for at least 365 days from the date your family enters Canada.
+
Right coverage
Must cover emergency healthcare, hospitalization, and repatriation while in Canada.
CA
Licensed insurer
Purchased from a Canadian insurer — or a foreign insurer authorized to operate in Canada.
The Basics
What is Super Visa insurance?
The Super Visa lets parents and grandparents of Canadian citizens and permanent residents visit for up to five years at a time on a multiple-entry visa valid for up to ten years. Because visitors are not covered by provincial health plans, IRCC requires each applicant to carry private emergency medical insurance — that policy is what people call “Super Visa insurance.”
A single unexpected hospital stay in Canada can cost tens of thousands of dollars out of pocket. Super Visa insurance protects your loved ones from those costs and satisfies the government requirement in one step, so your application moves forward without delays.
Ask us anything — free consultation
Coverage
What is covered — and what is not
Coverage varies by plan and provider. Here is what most Super Visa policies typically include and exclude. We will walk you through the fine print before you buy.
Typically covered
- Emergency hospital room & board
- Physician and specialist fees
- Emergency ambulance transport
- Diagnostics: X-rays, lab tests, MRI/CT
- Emergency prescription drugs
- Emergency and accidental dental
- Repatriation and return of remains
- Follow-up visits after an emergency
Typically not covered
- Routine check-ups and physicals
- Cosmetic or elective procedures
- Unstable pre-existing conditions
- Pregnancy and childbirth (most plans)
- High-risk sports and activities
- Conditions not disclosed on the application
- Treatment you travelled to Canada to receive
- Routine vision and dental care
Why It Matters
The real cost of care in Canada — with vs. without insurance
Visitors pay the full, uninsured price for medical care. The figures below are typical estimates only — actual charges vary by province and hospital — but they show why $100,000 of coverage matters.
| Medical service | Approx. cost without insurance | Your cost with Super Visa insurance |
|---|---|---|
| Emergency room visit | $500 – $1,500 | $0* |
| Hospital stay (per day) | $3,000 – $5,000 | $0* |
| Intensive care (per day) | $5,000 – $10,000+ | $0* |
| Minor surgery | $3,000 – $15,000 | $0* |
| Major surgery | $20,000 – $100,000+ | $0* |
| MRI or CT scan | $800 – $2,500 | $0* |
| Ambulance | $500 – $1,000+ | $0* |
*Covered up to your policy limit, after any deductible you choose. Estimates are for illustration and are not a quote.
Eligibility
Income requirement (LICO) for the host
Your child or grandchild in Canada (the host) must show they meet the Low Income Cut-Off (LICO) for their family size. The table below reflects the thresholds effective July 29, 2025.
| Size of family unit | Minimum necessary gross income |
|---|---|
| 1 person | $30,526 |
| 2 persons | $38,002 |
| 3 persons | $46,720 |
| 4 persons | $56,724 |
| 5 persons | $64,336 |
| 6 persons | $72,560 |
| 7 persons | $80,784 |
| Each additional person | add $8,224 |
New for 2026: IRCC now allows a two-year lookback — the host can qualify using income from either of the two most recent tax years — and, in some cases, verifiable Canadian-source income from the visiting parent can supplement the host’s income. Ask us if this applies to you.
Figures are published by IRCC and may change. Always confirm current thresholds on the official Government of Canada website before applying.
Applying For Your Super Visa
Documents you will need for your Super Visa application
Gather these before you apply. Most delays happen when one of these is missing.
Required documents
- Evidence of the parent or grandparent relationship to the Canadian citizen or permanent resident you wish to visit (birth certificate, baptismal certificate, or other official document)
- Letter of invitation from your child or grandchild in Canada, including care and support arrangements and household size (mandatory)
- Proof your host meets the Low Income Cut-Off (LICO)
- Proof of Super Visa insurance, valid for at least one year with a minimum of $100,000 in coverage
The application form
The application form currently used is IMM 5257. Before you apply, download the document checklist so nothing is missing from your submission.
Download the document checklist (IMM 5484)
Download the application form (IMM 5257)
Forms and requirements are published by IRCC and may change. Always confirm on the official Government of Canada website before applying.
Flexible Payments
Pay monthly instead of all at once
A full year of coverage is a big upfront cost. That is why we offer approved monthly payment plans for Super Visa insurance — you keep the same one-year policy IRCC requires, but spread the premium over easy pre-authorized monthly payments.
Typically the first payment (and sometimes a second month) is collected upfront, with the rest billed monthly. We will show you exactly how the numbers work before you commit.
Ask about monthly plansWhat Super Visa insurance costs
As a rough guide for a healthy applicant with no pre-existing conditions and $100,000 coverage:
| Around age 60 | ~$1,500 – $2,500 / yr |
| Around age 75 | ~$3,500 – $5,000 / yr |
| With pre-existing conditions | +30% to 60% |
Your price depends on age, coverage amount, deductible, and health. Get an exact quote in minutes.
Pre-existing conditions
Many plans will cover a pre-existing condition as long as it has been stable for a set period (often 90 to 180 days) before coverage begins. Stability rules and definitions differ by insurer, so choosing the right plan matters. We compare options across providers to find coverage that actually protects your parents.
Refund protection
Visa refused? If the Super Visa application is denied, you can request a full refund of the premium with a copy of the refusal letter.
Returning early? If your parents leave Canada before the policy ends and have no claims, you can usually apply for a partial refund for the unused period.
Simple Process
Getting covered takes minutes
1
Tell us the details
Applicant age, coverage amount, and travel dates — by phone or through our quote form.
2
Compare plans
We shop multiple Canadian insurers and show you the best-value options side by side.
3
Buy & get proof
Pay in full or monthly and receive your policy confirmation the same day.
4
Submit with your Super Visa
Include the proof of insurance with the application. We are here if anything changes.
Why Families Choose Us
Local Calgary advice you can trust
10+ years serving Canadians
An independent, licensed brokerage that has helped families reunite for over a decade.
Lowest price, guaranteed
We compare top insurers so you get the best rate without cutting the coverage that matters.
Advice in your language
No jargon, no pressure — clear guidance in the language you are most comfortable with.
Monthly payment options
Spread the cost with approved pre-authorized monthly plans that still meet IRCC rules.
Same-day policies
Need proof of insurance fast? We can issue your policy the same day you call.
We handle the claims too
If your family ever needs care, we help you through the claim so you are never alone.
FAQs
Super Visa insurance questions, answered
How much Super Visa insurance coverage do I need?
IRCC requires a minimum of $100,000 in emergency medical coverage, valid for at least one year from the date of entry. You can choose a higher limit — such as $150,000 or more — for extra protection.
Can I pay for Super Visa insurance monthly?
Yes. We offer approved monthly payment plans. You still buy the full one-year policy IRCC requires, but the premium is spread over pre-authorized monthly payments. Usually the first month (sometimes two) is collected upfront.
What if the Super Visa is refused — is the insurance refundable?
Yes. If the application is denied, you can request a full refund of the premium by providing a copy of the visa refusal letter, as long as no claims have been made.
What happens if my parents leave Canada early?
If they return home before the policy expires and have not made a claim, you can typically apply for a partial refund covering the unused portion of the policy.
Does Super Visa insurance cover pre-existing conditions?
Many plans do, provided the condition has been stable for a required period (commonly 90 to 180 days) before coverage starts. Definitions of “stable” vary by insurer, so we help you pick a plan that fits your parent’s health.
Can I buy the insurance from outside Canada?
The policy must be from a Canadian insurance company or a foreign insurer authorized to operate in Canada. A policy from an unlicensed overseas provider will not be accepted by IRCC.
How much does Super Visa insurance cost?
It depends on age, coverage amount, deductible, and health. As a rough guide, a healthy applicant around age 60 might pay $1,500–$2,500 per year, and around age 75 roughly $3,500–$5,000. Pre-existing conditions can add 30–60%. We will get you an exact quote quickly.
When does the coverage start?
You choose the start date, which is usually the day your parents arrive in Canada. Coverage runs continuously from that date for the term you buy.
Do my parents need a medical exam?
Usually not. Most plans use a health questionnaire rather than a physical exam. Answering it accurately is important, because undisclosed conditions can lead to denied claims.
Is emergency dental covered?
Most Super Visa plans include coverage for emergency and accidental dental treatment up to a limit. Routine dental care is not covered. Check your plan for specific timelines and caps.
How long is the Super Visa itself valid?
The Super Visa is a multiple-entry visa valid for up to ten years, and it allows stays of up to five years at a time — though your insurance must be valid for at least the first full year.
How fast can I get a policy?
Often the same day. Call us with the applicant’s details and travel dates and we can compare plans and issue proof of insurance right away.
What is the difference between Super Visa insurance and visitor insurance for parents?
They overlap. Super Visa insurance is a specific type of visitor insurance for parents and grandparents that meets IRCC’s mandatory minimums: at least $100,000 in coverage, a one-year term, and hospitalization, health care, and repatriation coverage. General visitor insurance for parents visiting on a regular Visitor Visa does not have to meet these same rules, so amounts and terms can be more flexible, but it will not satisfy a Super Visa application.
How do I find the best Super Visa insurance plan?
Compare several licensed Canadian insurers on price, deductible options, pre-existing condition coverage, and claims service, not price alone. We compare multiple top-rated providers for you and recommend the plan that best matches your parents’ age, health, and budget, so you get the best Super Visa insurance value rather than just the cheapest premium.
Ready to bring your family home?
Get a free, no-obligation Super Visa insurance quote today — the lowest guaranteed price and friendly advice in your language.
Unit 108 B – 2635, 37 Ave NE, Calgary, AB, T1Y 5Z6 • Mon–Sat 9:30am–6:30pm