Updated September 20, 2026. By Rajni Bala, Licensed Insurance Advisor.
Planning a longer visit with a parent or grandparent involves two separate decisions: meeting the Super Visa application requirements and choosing appropriate medical insurance. This guide explains the income update and the insurance questions to prepare before speaking with an advisor.
Income rules changed on March 31, 2026
IRCC introduced two ways to demonstrate financial support. The host, together with an eligible co-signer, can qualify using either of the two tax years before application. Alternatively, they must have earned at least 75% of the minimum required income in the previous tax year; a visiting parent or grandparent may contribute qualifying income to make up the rest. The visitor must show that their income will continue in Canada. Family size determines the threshold. Read IRCC's financial-support instructions for the amounts and supporting documents.
Who can host a Super Visa visit?
The host must be an eligible child or grandchild aged 18 or older living in Canada. Canadian citizens, permanent residents and registered Indians may qualify. Other requirements apply to both the host and applicant, including medical and admissibility checks. See IRCC's eligibility guidance.
Insurance is still a separate requirement
The policy must provide at least $100,000 of emergency coverage, include health care, hospitalization and repatriation, and be valid for at least one year from entry. It must be paid in full or through instalments with a deposit; a quote alone is insufficient. Qualifying foreign insurers are permitted alongside Canadian insurers, subject to IRCC's conditions. Review the official proof-of-insurance requirements before purchasing.
Prepare for an insurance conversation
- Have the visitor's age, planned arrival date and intended visit length ready.
- Decide what deductible your family could afford if an eligible claim occurs.
- Ask how the policy defines pre-existing conditions and whether a stability period applies.
- Ask what happens if the visa is refused, the flight changes or the visitor returns home early.
- Keep medical details and documents for the insurer's appropriate application process; do not send them through the website's general contact form.
Compare the policy, as well as the premium
Two quotes are only comparable when their coverage limits, deductibles, dates, exclusions and eligibility assumptions match. A lower premium may reflect a larger deductible or different protection. Request the policy wording and a clear explanation of any condition you do not understand before making a decision.
Our Super Visa insurance service page explains how Rajni can help with insurance choices. The comparison checklist gives you questions to use when reviewing quotes. For shorter visits, explore visitor-to-Canada insurance.
Request a free consultation in English, Punjabi or Hindi. Rajni can help compare insurance options. For application-specific immigration advice, consult IRCC or an authorized immigration representative.