Super visa insurance does not price on weight. None of the 8 questionnaires we checked in October 2026 asks for BMI, and premiums are set by age, coverage amount and deductible. What the insurer tests is each diagnosed condition that comes with obesity, against its stability period: 90 days at Secure Travel to 69, 120 days at TuGo and Destination from 60 to 69, and 180 days at Manulife, GMS, Allianz (from 60) and 21st Century Enhanced. Bariatric surgery is a recent surgery with its own clock.
The risk for this parent is not one condition but four or five, each with a dose that moved in the last year. That is the multiple conditions problem, and this page is the weight-specific part of it.
What do insurers ask?
The questionnaires ask about diagnosed conditions and medication, not about weight. The questions that catch an obese parent are the diabetes, blood pressure, heart, breathing and joint questions, the medication-change question, and the surgery question. GMS asks at 55 and over about heart medication combined with insulin.
| Typical question | Why it is asked |
|---|---|
| Diagnosed with diabetes, and treated with insulin? | Insulin with heart medication is a GMS ineligibility at 55+ |
| Diagnosed with high blood pressure, heart disease or sleep apnea? | Each is a separate condition with its own clock |
| Any medication started, stopped or dose changed in the stability period? | Weight change moves doses; each move resets a clock |
| Any surgery in the last 12 months, or recommended? | Bariatric surgery and its follow-up |
| Taking a GLP-1 or weight-loss medication? | A new drug is a change; GMS exempts routine GLP-1 dose steps for diabetes |
A yes to several conditions does not raise the premium at most insurers, but it multiplies the chance that one of them is unstable. A yes to a planned bariatric operation excludes everything connected to it.
What does stable mean here?
For each weight-linked condition, stable means the same drug at the same dose, no new symptom, no pending test and no referral, for the whole period. For bariatric surgery, stable means the operation and its follow-up are complete, the diet and supplement plan is fixed, no revision is planned, and the medication changes that followed weight loss have stopped.
| Event in the stability period | Stable? |
|---|---|
| Same diabetes, blood pressure and apnea treatment, unchanged | Yes |
| Diabetes or blood pressure dose reduced because of weight loss | No at most insurers; GMS exempts routine adjustments of these drug classes |
| GLP-1 drug started for weight loss | No |
| GLP-1 dose stepped up, prescribed for diabetes | Not an alteration at GMS; a change elsewhere |
| Bariatric surgery done inside the period | No |
| Surgical follow-up finished, plan fixed, no revision planned | Yes, from the date of the last change |
| Revision surgery recommended | No |
| Joint replacement recommended because of weight | No |
TuGo treats a dose decrease as an alteration, with the diabetes and blood thinner carve-outs only. Allianz requires an unchanged treatment plan in type and frequency. A good result from surgery, a dose cut, still resets the clock at most insurers.
Which insurers cover this parent?
All 8 insurers we compare cover a parent with obesity-linked conditions when each is stable. The practical choice depends on which condition changed most recently, and on the GMS insulin-plus-heart-medication rule.
| Insurer (underwriter) | Stability at 65 | Stability at 72 | Rule that matters here |
|---|---|---|---|
| Secure Travel/RIMI (iA Financial Group; claims by MSH) | 90 days | 180 days | Shortest wait after a dose change to 69 |
| TuGo (iA Financial Group) | 120 days | 180 days | 7-day rider to 79 covers one unstable condition only |
| Destination (Zurich, Canadian Branch) | 120 days | 180 days | Pre-existing excluded 80+ |
| Allianz (CUMIS General Insurance) | 180 days | 180 days | Treatment plan unchanged in type and frequency |
| Manulife CoverMe Plan B (Manufacturers Life) | 180 days | 180 days | Insulin and warfarin adjustments exempt |
| GMS (Group Medical Services) | 180 days | 180 days | Diabetes, GLP-1, blood pressure and cholesterol adjustments exempt; insulin plus heart medication ineligible at 55+ |
| 21st Century Enhanced (Manulife) | 180 days | 180 days | Questionnaire 55 to 85 |
| Travelance Premier (Old Republic) | 180 days | 180 days | Two or more listed conditions treated in 12 months ineligible |
Stability periods seen October 2026 — verify in the policy wording. The full age matrix is on the stability periods by insurer page.
What should you document?
Get one prescription list covering every condition, with each drug, dose and the date of its last change. Add the most recent letter for each condition, the bariatric discharge summary and the last surgical follow-up letter if relevant, and the doctor’s written confirmation that no test, referral or surgery is pending.
Keep the completed questionnaire; the THIA Bill of Rights entitles the buyer to a copy before the policy starts. For the diabetes-specific rules, see diabetes.
What typically voids a claim?
The common pattern is a dose reduction after weight loss, inside the stability period, that the family saw as good news and did not declare. The admission is for the heart or for a breathing problem, the records show the change, and the insurer argues misrepresentation. Manulife exclusion 7 and GMS General Condition 8 then apply.
Any misrepresentation can void the whole policy. TuGo adds a $15,000 deductible to any claim where a questionnaire answer at 60 or over was inaccurate. The claims page explains the records request.
Is a no-pre-existing plan safer?
No. A no-pre-existing plan excludes every weight-linked condition at once, and those are the likely admissions. If one condition changed recently and the rest are stable, buy a stable-pre-existing plan and accept that one exclusion, or move the start date past the shortest applicable period.
The parent’s doctor and the insurer’s policy wording decide whether each condition is stable; this page describes insurer rules, not medical advice. SuperVisaDirect’s advisor can run the questionnaire with the parent on the line by callback, Monday to Friday, 8:00am to 6:00pm ET. For the surgical clock, see recent surgery; for CPAP rules, see sleep apnea.
Questions people ask
Does obesity affect super visa insurance?
Not directly. None of the 8 questionnaires we checked asks for weight or BMI, and premiums are set by age, coverage amount and deductible. What matters is the list of conditions that often come with obesity: diabetes, hypertension, sleep apnea, joint problems. Each must be stable for the insurer's period and each must be declared.
My mother had gastric sleeve surgery five months ago. Is she stable?
Not at the 180-day insurers. Surgery is treatment, and the clock runs from the last change after it: the last follow-up that altered the diet plan, supplements or medication. Weight loss after surgery usually changes diabetes and blood pressure doses, and each change resets that condition's clock too.
Is a GLP-1 drug such as Ozempic a change in medication?
Starting it is a change everywhere. A routine dose adjustment of a GLP-1 drug prescribed for diabetes is not an alteration at GMS, whose wording names GLP-1 drugs alongside insulin. If it was prescribed for weight loss alone, no wording we checked exempts it, and each dose step resets the clock.
Will the insurer argue a heart attack was caused by obesity?
The insurer looks for a diagnosed pre-existing condition, not a risk factor. If diabetes, hypertension or heart disease was declared and stable, the claim is assessed on those. If one was undeclared, the records review finds it. Obesity on its own is not a diagnosed condition the wordings we checked exclude.
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