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Pankaj BhatiaParents Super Visa Insurance
PARENTS & GRANDPARENTS · CANADA

Super Visa Insurance Requirements Canada 2026

A reliable Super Visa application starts with the right documentation—especially an issued insurance policy that satisfies IRCC.

Updated October 21, 2026 · By Pankaj Bhatia

The insurance checklist

  • At least $100,000 in emergency medical coverage for each applicant.
  • At least one year of policy validity from the intended date of entry.
  • Coverage for health care, hospitalization and repatriation.
  • Issued by an eligible Canadian insurer or qualifying foreign insurer.
  • Paid in full or through qualifying instalments with a deposit—not merely quoted.
  • Valid for each entry to Canada; proof may be requested at the border.

Other Super Visa eligibility conditions

The applicant must apply from outside Canada, complete an immigration medical examination and satisfy admissibility rules. The host must be an eligible child or grandchild in Canada, age 18 or older, with the required status, income and signed invitation letter. Read IRCC’s current eligibility requirements.

New income assessment methods since March 31, 2026

IRCC now permits qualifying income from either of the two tax years before applying. Alternatively, a host who reaches at least 75% of the income threshold in the preceding tax year may add the visiting parent’s or grandparent’s income, subject to proof and combined threshold rules. Read the official change.

Proof when travelling

Keep the insurance certificate, travel documents and related supporting records accessible. If the insurance expires before the visitor leaves Canada, renew it to maintain protection during the stay.

Official references and further reading:

Reviewed October 21, 2026. Immigration requirements may change; check IRCC before applying.

Important: A policy is not a visa approval. Compare the actual insurer policy, medical stability clauses, deductibles and cancellation terms before purchasing.
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Frequently asked questions

Insurance is contractual. These answers explain key concepts; your selected insurer policy controls actual benefits and exclusions.

How much Super Visa insurance is required in Canada in 2026?

IRCC requires at least $100,000 in emergency medical coverage for a minimum of one year from the date of entry, including health care, hospitalization and repatriation. A quote alone is not proof of paid insurance.

Can I pay for Super Visa insurance monthly?

IRCC accepts full payment or instalments with a deposit, provided the issued policy satisfies the other Super Visa requirements. Plans, deposits, fees and refund rules depend on the insurer.

Can both my parents apply for a Super Visa?

Yes, eligible parents or grandparents can apply individually and each applicant must meet eligibility and insurance requirements. Use the couple quote journey to compare options for two visitors.

Can parents stay five years on a Super Visa?

A Super Visa can permit stays of up to five years per entry, subject to border-officer decisions and ongoing compliance. Visa validity and authorized length of stay are different concepts.

Do pre-existing medical conditions get covered?

Some policies offer emergency coverage for certain stable pre-existing conditions. Coverage depends on the insurer, age band, condition, medication changes, stability period and wording.

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