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Do my parents need insurance to visit me in Canada on a super visa?
The requirements, exactly
- Minimum $100,000 CAD in emergency medical coverage per person
- Valid for at least one year from the date your parent enters Canada
- Covers health care, hospitalization and repatriation
- From a Canadian insurer or an approved foreign insurer
- Paid in full, or in instalments where the policy allows, with proof of payment
- Policy and proof of payment submitted with the visa application
What it costs
It depends on age, health, deductible and coverage amount. A healthy parent in their early 60s commonly pays somewhere in the range of $1,500 to $2,500 for a one-year, $100,000 policy; older parents and those with stable pre-existing conditions pay more. Choosing a deductible lowers the premium. We quote several insurers so you can see the range.
Mistakes that get applications refused
- Buying coverage below $100,000 or for less than a full year
- Coverage that starts after arrival instead of on the entry date
- A name on the policy that doesn't match the passport
- Submitting a quote instead of an issued policy
Regular visitor visa: not required, strongly recommended
Visitors are not covered by provincial health care. A hospital stay can cost thousands of dollars a day. Visitor medical insurance for a shorter trip is inexpensive compared with one emergency.
Pre-existing conditions
Many insurers cover conditions that have been stable for a set period (often 90 to 180 days). Declare everything; an undeclared condition is the most common reason a claim is denied.
How we help
Tell us your parent's age, travel dates and health, and we'll quote qualifying policies from several insurers and send the certificate for the application. If plans change or the visa is refused, most policies refund in full before the start date.
Want this worked out for your numbers? We'll walk you through what to set up first, in plain language, from advisors who did it themselves.