Sponsoring a parent or grandparent? You need IRCC-compliant private health insurance with at least $100,000 in coverage, valid for one year from the date of entry. We'll find the best plan, fast.
What Super Visa insurance must include
- Minimum $100,000 in coverage — non-negotiable IRCC requirement
- Valid for at least 1 year from the date of entry to Canada
- Issued by a Canadian insurance company — foreign insurance doesn't qualify
- Coverage for health care, hospitalization, and repatriation
- Continuous coverage for the visiting period
Sponsors can now use income from either of the last 2 tax years to meet LICO, and combined sponsor + visiting parent income is acceptable in some cases. Read the full breakdown →
Why families choose us for Super Visa insurance
Multiple-carrier comparison
We quote across leading Canadian Super Visa providers (Secure Travel, Manulife, Desjardins, Travelance, Destination Travel Group, and more) — premiums for the same parent can vary by $1,000+/year between carriers.
Pre-existing condition expertise
Diabetes, hypertension, cardiac history — many pre-existing conditions are insurable. We know which carriers handle which conditions best.
Multilingual service
Consultations in English, Punjabi, and Hindi. We can speak directly with the visiting parent if helpful.
Fast turnaround
Quotes within hours, not days. Coverage can be issued with a deferred start date that aligns with the planned arrival.
Monthly & annual payment
Many carriers offer monthly payment options — important for younger sponsors managing cash flow.
Up-to-date on IRCC changes
2026 brought meaningful changes to LICO requirements. We stay current so you don't have to read IRCC bulletins.
How premiums are determined
Three things drive Super Visa insurance premium:
- Age of the visiting parent. Premiums step up with age — 60-year-olds pay less than 75-year-olds, who pay less than 85-year-olds.
- Coverage amount and deductible. $100,000 vs $150,000 vs $300,000 of coverage; $0 vs $1,000 vs $5,000 deductible. Higher deductibles drop the premium meaningfully.
- Pre-existing conditions and stability period. If pre-existing conditions are covered, the carrier looks for a "stability period" (usually 90 or 180 days of no changes in medication, treatment, or symptoms) before policy start.
For a healthy 65-year-old parent with no significant pre-existing conditions, $100,000 in coverage typically runs in the range of $1,200–$2,000 per year, depending on carrier and deductible. For a 75-year-old with stable pre-existing conditions, that range moves to roughly $2,500–$4,500. The spread between the cheapest and most expensive quote we see for the same parent is regularly $1,500–$2,000 — which is why shopping multiple carriers is essential.
What sponsors need to prepare
- Visiting parent's date of birth and any medical conditions/medications. Even informal — we can refine when applying.
- Planned arrival date (and a backup, if flights are flexible).
- Coverage preference — minimum $100K, or higher for peace of mind.
- Sponsor's most recent two Notices of Assessment if you're also working on the visa application.
Send us the parent's age and a few details and we'll come back within hours with quotes from multiple carriers. Request a quote →