What the insurance must include
- At least $100,000 of emergency coverage per applicant, covering health care, hospital stays and repatriation.
- Valid for at least one year from each entry to Canada.
- From an accepted insurer: a Canadian insurance company, or a foreign insurer authorized by the Office of the Superintendent of Financial Institutions (OSFI) to sell accident and sickness insurance in Canada. A broker or claims administrator doesn't count as the insurer.
- Paid, not quoted. You can pay in full or in instalments with a deposit, but IRCC doesn't accept quotes. Bring the policy so a border officer can review it.
A Super Visa can be valid for up to 10 years, and each entry allows a stay of up to 5 years.
Can I use a cheap online travel policy?
Usually not. Many online policies are sold by insurers based outside Canada that aren't authorized by OSFI. Buy Super Visa insurance from a Canadian insurer, and check IRCC's page before you apply.
Tips for families
- Ask about pre-existing conditions and stability periods before you buy; parents often have conditions that need to be declared.
- Compare deductibles. A higher deductible lowers the premium but means paying more yourself if your parent needs care.
- Check the refund rules if the visa is refused or your parent leaves early.
Flights to Canada for visiting parents
Common questions
How much insurance do I need for a Super Visa?
At least $100,000 of emergency coverage per applicant, covering health care, hospitalization and repatriation, valid for at least one year from each entry.
Can Super Visa insurance be from a foreign company?
Only if the insurer is authorized by OSFI to sell accident and sickness insurance in Canada and appears on OSFI's list. Otherwise it must be a Canadian insurance company.
Can I pay Super Visa insurance monthly?
Yes. IRCC accepts policies paid in full or in instalments with a deposit. Quotes aren't accepted.
Sources
Checked October 8, 2026. Rules and amounts change, so confirm with your province, insurer or IRCC.
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