Question 1

Is super visa insurance mandatory?

Accepted Answer

Yes, proof of private medical insurance from a Canadian insurance company is a mandatory requirement for the super visa application. It must provide at least $100,000 in coverage, be valid for one year, and be paid in full before applying.

Question 2

How much does super visa insurance cost?

Accepted Answer

Super visa insurance costs between $1,200 and $3,800 per year in 2026, depending on the applicant's age, chosen deductible, coverage amount, and whether pre-existing conditions need coverage. A 55-year-old might pay around $1,200/year while a 75-year-old could pay $3,500+/year.

Question 3

Can I get a refund if the visa is denied?

Accepted Answer

Yes, most Canadian insurance providers offer a 100% refund of the premium if the super visa application is denied by IRCC. You will typically need to provide the official denial letter from the government.

Question 4

What happens if my parents stay for less than a year?

Accepted Answer

If the visitor leaves Canada before the one-year policy expires, you may be eligible for a partial refund for the unused portion of the policy, provided no claims have been made.

Question 5

Does the insurance cover pre-existing medical conditions?

Accepted Answer

Some plans do cover stable pre-existing conditions, while others exclude them. Plans covering pre-existing conditions typically cost 30–60% more. It's critical to disclose all medical history during the application to ensure the policy is valid.

Question 6

When should I buy the insurance?

Accepted Answer

You should purchase the insurance before submitting your super visa application, as you must include the proof of insurance (the certificate) with your application package. Purchase it after you have your parent's travel dates confirmed.

Question 7

What is a deductible, and how does it affect the cost?

Accepted Answer

A deductible is the amount you agree to pay out-of-pocket before the insurance company starts paying for a claim. Choosing a higher deductible (e.g., $1,000 or $2,500) can reduce your premium by 25–50%, but means you pay more out of pocket if a claim occurs.

Question 8

Can my parents use their home country's insurance for the super visa?

Accepted Answer

No. IRCC specifically requires insurance from a Canadian insurance company. Insurance policies from other countries — even if they provide higher coverage — will not be accepted for the super visa application.

Question 9

What are the new March 2026 income rules?

Accepted Answer

Starting March 31, 2026, IRCC requires sponsors to meet the LICO income threshold for two consecutive tax years (previously one year). Additionally, parents/grandparents can now supplement the sponsor's income with their own Canadian income to help meet the threshold.

Question 10

How long can my parents stay in Canada on a super visa?

Accepted Answer

With a super visa, parents and grandparents can stay in Canada for up to five years at a time on their initial entry. The super visa itself is valid for up to 10 years, allowing multiple entries without needing to reapply.

Super Visa Insurance FAQ

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