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.
Requirements checked September 20, 2026. See IRCC’s policy and payment requirements. A quote alone is not accepted as proof of insurance.
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 an eligible insurer — either a Canadian insurer or a foreign insurer approved by Canada's Minister of Immigration, Refugees and Citizenship
- Coverage for health care, hospitalization, and repatriation
- Continuous coverage for the visiting period
Host income options changed on March 31, 2026. The combined-income route has a minimum host-income condition. Read the sourced explanation and official IRCC links →
Why families choose us for Super Visa insurance
Multiple-carrier comparison
We help compare available insurance options and explain differences in coverage, deductibles and policy terms.
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.
Request a current quote using the visitor’s details and the same assumptions for each plan. Premiums depend on the insurer, eligibility, medical information, coverage amount, dates and deductible. A quote is not a guarantee of acceptance or coverage.
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 →