Pre-Existing Condition Coverage Finder

Not all super visa insurance plans cover pre-existing conditions. Find out which IRCC-approved providers will cover your parent's specific health conditions.

Select your parent's conditions

Select all that apply

How long has the condition been stable?

No changes in medication, no hospitalizations, no new symptoms

Any hospitalizations in the last 12 months?

Understanding Pre-Existing Condition Coverage

Pre-existing conditions are health issues that existed before purchasing the insurance policy. Most super visa insurance providers define a “stability period” — typically 90 to 180 days — during which the condition must have been stable (no changes in medication, no hospitalizations, no new symptoms) for coverage to apply.

What Counts as “Stable”?

  • No change in medication type or dosage
  • No new diagnosis related to the condition
  • No hospitalization or new treatment
  • No new symptoms or worsening of existing symptoms

Why Pre-Existing Coverage Matters

Without pre-existing condition coverage, any medical emergency related to a pre-existing condition would be entirely out-of-pocket. Hospital stays in Canada can cost $3,000–$10,000+ per day, making this coverage critical for visitors with chronic conditions.