Super visa and visitor insurance FAQ

Emergency medical insurance of at least $100,000 per applicant, covering health care, hospitalization and repatriation, valid for at least one year from the date of entry, from a Canadian insurer or an OSFI-authorized foreign insurer. It must be paid in full or by instalments with a deposit. Quotes are not accepted. Full rule on our [super visa insurance page](/super-visa-insurance/).

No. IRCC publishes no approved list. The test is whether the underwriter is a Canadian insurance company, or a foreign insurer on OSFI's public register. Brokers and claims administrators do not count; the certificate must name the underwriter. The TuGo plan sold on SuperVisaDirect is underwritten by iA Financial Group, a Canadian life insurer; see [insurers we represent](/insurers-we-represent/).

Almost certainly not. Domestic insurers such as Tata AIG, Bajaj Allianz, ICICI Lombard, Niva Bupa and Star Health are not on OSFI's register, and applications with their policies lead to refusals. No mainstream foreign retail product qualifies. Buy from a Canadian insurer. Details on our [super visa insurance page](/super-visa-insurance/).

For $100,000 coverage with no deductible and stable pre-existing conditions covered, annual premiums seen in October 2026 ranged from about $1,577 at age 55 to $4,000-$9,910 at age 75, depending on insurer. Plans that exclude pre-existing conditions cost less. Age-by-age tables are on our [cost page](/super-visa-insurance/cost/).

Yes, at several insurers. IRCC accepts instalments with a deposit. 21st Century takes two months' deposit plus a $50 fee, Secure Travel two months plus $120 then ten instalments, Destination two months plus $10. Manulife, GMS and Allianz are annual only. A missed instalment lapses coverage. See [monthly plans](/super-visa-insurance/monthly/).

Yes. IRCC's document checklist accepts insurance paid in full or in instalments with a deposit, and the certificate shows a full year of coverage. The parent must keep paying, because a missed instalment ends coverage and the undertaking to maintain insurance for the stay. Our [monthly page](/super-visa-insurance/monthly/) lists each insurer's deposit and fee.

Yes. A $500 deductible cuts roughly 15% and a $5,000 deductible roughly 35% at Manulife; 21st Century discounts up to 40% and Travelance up to 45% at their highest deductibles. The parent pays the deductible per claim before the insurer pays. Compare the saving to the risk on our [deductibles page](/super-visa-insurance/deductibles/).

The number of days before the start date during which a condition must have had no new symptoms, treatment changes or medication changes. Periods range from 90 to 365 days depending on age and insurer; for example, TuGo requires 120 days at 60-69 and 180 at 70-85. Details on [pre-existing conditions](/super-visa-insurance/pre-existing-conditions/).

Usually yes, if the condition has been stable for the insurer's required period and the health questionnaire is answered accurately. A medication dose change inside the stability period makes the condition unstable and excluded. Answer every question with the parent present. See [pre-existing conditions](/super-visa-insurance/pre-existing-conditions/) for each insurer's rules.

The insurer can deny a claim or void the policy. In April 2025, an 88-year-old super visa holder's $96,311 Hamilton hospital bill was initially denied for undisclosed heart failure under a no-questionnaire plan. Accuracy is the single biggest factor in a paid claim. Our [claims page](/super-visa-insurance/claims/) explains how to answer and what to keep.

Yes. GMS asks no medical questions under age 55, and some basic plans skip the questionnaire by excluding all pre-existing conditions. A no-questions plan is not a no-exclusions plan; any condition that existed before the start date is excluded. Compare on our [pre-existing conditions page](/super-visa-insurance/pre-existing-conditions/) before choosing.

At most insurers, yes, in full, when you send the IRCC refusal letter before the start date. Manulife, 21st Century, Travelance and Destination refund fully; GMS and Secure Travel deduct an administration fee; MSH allows 60 days. We file the request for you. Rules by insurer on our [refunds page](/super-visa-insurance/refunds/).

Yes, with a pro-rata refund of the unused months, only if no claim has been made, less a cancellation fee: TuGo $250, 21st Century $250, Travelance $250, Destination $150, Manulife $25 minimum. Send proof of the departure date. Our [refunds page](/super-visa-insurance/refunds/) lists each insurer's fee and process.

Yes, and you should. IRCC requires proof of insurance with the application, and the parent must be outside Canada when applying. The Canadian host buys from Ontario, enters the parent's passport details, and the proof letter is emailed to upload. Read [super visa insurance from India](/super-visa-insurance/from-india/) for the steps.

Your best estimate of the arrival date. Processing varied from 44 days for Nigeria to 265 for Iran in September 2026, and India moved from 208 days in March to 70 in September. TuGo, the plan sold on SuperVisaDirect, lets you move the start date at no charge before it begins. See [changing the start date](/super-visa-insurance/).

Yes, before the policy starts, at no charge, on the TuGo plan sold on SuperVisaDirect. Email us the new arrival date and we move it with TuGo. After the start date, changes are limited and may need proof the parent had not yet entered Canada. The date-change rules are on our [super visa insurance page](/super-visa-insurance/).

The printed insurance certificate or proof letter, the letter of introduction from IRCC, the passport and the host's invitation. CBSA officers can ask for the insurance and can refuse entry without it. Keep a PDF on the parent's phone and a paper copy. Our [port of entry page](/super-visa-insurance/port-of-entry/) has the checklist.

On the policy start date, which should be the arrival date. IRCC requires the policy to be valid for at least one year from the date of entry, and on each entry. If the parent arrives after the start date, the first days are wasted and the year may end early. Align the dates; see [start date](/super-visa-insurance/).

The super visa allows multiple entries, and IRCC requires valid insurance on each entry. Most plans suspend coverage while the parent is outside Canada; Allianz pauses coverage during home-country trips, and side trips must keep 51% of time in Canada. Tell us about trips before they happen. See [side trips and trips home](/super-visa-insurance/side-trips/).

Super visa holders are visitors and are not eligible for OHIP at all. Ontario removed its three-month OHIP waiting period in 2025, but that applies to eligible residents, not visitors. British Columbia, Alberta, Saskatchewan, Manitoba, Quebec and the Atlantic provinces keep waits of up to three months. See our [claims page](/super-visa-insurance/claims/).

Buy a new policy before the current one ends, while the parent is in Canada. Most insurers allow renewal without a gap if you apply before expiry, and the stability period is reassessed at the new start date. We email you 60 days ahead with the TuGo renewal price at the parent's new age band and the stability period that then applies. See [renewals](/super-visa-insurance/renewals/).

It varies: TuGo Comprehensive and 21st Century Basic have no maximum; Secure Travel goes to 90, Allianz and MSH to 89, Manulife, Travelance and 21st Century Enhanced to 85, GMS to 79. Pre-existing cover often ends earlier, for example Destination excludes it from 80. Compare on our [2026 comparison](/super-visa-insurance/compare-2026/).

Call the 24-hour assistance number on the wallet card before treatment where possible; it is a condition of most policies. Keep every receipt and report. We help assemble the file and follow up. TuGo has drawn complaints about 10-week claim waits, so expect delays. Steps on our [claims page](/super-visa-insurance/claims/).

Repatriation pays to return the parent home for treatment or, on death, to return remains. IRCC requires it. Most plans include it within the coverage amount, but GMS caps repatriation at $5,000, which may not cover a medical flight to India. Check the cap on the [comparison](/super-visa-insurance/compare-2026/) before buying.

Yes. Every policy bought on SuperVisaDirect comes with TuGo's certificate, an IRCC proof-of-insurance letter and a wallet card by email. The TuGo plan is instant-issue, so the documents arrive within minutes of payment at any hour. The letter is uploaded with the application and shown at the border. See [how it works](/how-it-works/).