Age & health history
Premiums often increase at older ages. Pre-existing medical conditions can affect plan eligibility, stability periods and coverage—not every plan responds the same way.
Get live medical insurance quotes for parents and grandparents visiting Canada. Compare coverage, deductibles and plan terms, then choose an option suitable for your family.
Insurance support from Insure In Canada Inc. Questions? 647-640-2222.

Enter the traveller's details in the secure quote form below to view eligible plans and rates.
For the Super Visa, IRCC requires valid proof of private emergency medical insurance. The essential requirements are straightforward, but the policy wording and payment arrangement matter.
Since March 31, 2026, a host may qualify using either of the previous two tax years. Under the alternative method, a qualifying host meeting at least 75% of the required amount in the prior year may add eligible parent or grandparent income to meet the remaining requirement.
Read current IRCC income rules ↗Official references: IRCC insurance and document requirements · Length of stay.
There is no reliable single price for everyone. The correct quote reflects your parents' ages, insurance coverage, medical history, deductibles, travel dates and the insurer's underwriting rules.
Premiums often increase at older ages. Pre-existing medical conditions can affect plan eligibility, stability periods and coverage—not every plan responds the same way.
Compare $100,000, $150,000, $200,000 or higher available limits. A higher deductible can lower premiums but increases potential out-of-pocket costs.
Annual payment and instalment arrangements can have different deposits, total costs, fees and cancellation conditions. Review the full payment schedule.
| Coverage amount | What it means | What to consider |
|---|---|---|
| $100,000 | Meets IRCC's minimum emergency coverage amount if all other conditions are met. | Lower limit means less protection against major claims. |
| $150,000 | Higher available protection than the minimum. | Compare the additional premium and exact policy benefits. |
| $200,000 | Greater emergency medical limit, subject to plan conditions. | May be attractive for families concerned about a significant hospitalization. |
| Higher limits | Available from some insurers, subject to age and underwriting. | Check product availability and limitations in the live comparison. |
Coverage descriptions are educational and are not insurer-specific quotes or recommendations.
Potentially, yes. IRCC permits eligible issued health insurance policies paid in full or in instalments with a deposit. Whether a specific provider's payment option is acceptable depends on its policy documentation and terms.
Typically involves paying the eligible policy premium upfront. Compare the total cost, policy start date, visa-refusal provisions and refund rules.
Some insurance arrangements permit a deposit followed by scheduled payments. Confirm the payment arrangement meets IRCC requirements and that ongoing payments keep coverage in force.
Eligible plans generally focus on unexpected medical emergencies—not unlimited routine care. Insured services, limits and exclusions differ among insurance companies.
Exclusions and sublimits apply. Regular checkups, routine medication refills, pre-planned treatment and certain pre-existing medical conditions may not be covered. Read the full certificate and policy wording before buying.
If your parent or grandparent has diabetes, high blood pressure, a heart condition or another medical history, choose coverage based on the insurer's actual stability definition—not simply on the advertised price.
A condition can be considered unstable due to a dosage change, symptoms, new treatment, tests or hospitalization. Policies vary in the required stability period and definitions.
Answer insurer questions truthfully and completely. Omissions or misstatements can affect whether a future claim is payable.
Check eligible expenses, medical exclusions, deductibles per claim versus per policy and the emergency-assistance contact process.
For individual medical eligibility, ask the licensed advisor and review the insurer's current wording. Do not transmit sensitive medical details through an ordinary chat message.
The cheapest premium is not automatically the best plan for your parents. Compare like-for-like protection before using the Buy Online option.
Enter date of birth, expected coverage start date and relevant plan inputs in the live calculator.
Review eligible prices at the same coverage amount, deductible and medical coverage type.
Check pre-existing exclusions, medical stability, refund provisions and payment schedule.
Complete the insurer's secure application and retain the policy documents for IRCC and arrival.
Available insurers and rates are determined by the active quotation platform. We do not display fabricated or expired sample premiums on this page.
Start Comparing Super Visa Quotes ↑Medical insurance is one part of the application. IRCC also requires other evidence to establish eligibility. The document list below is a starting point, not a substitute for official instructions.
Signed invitation letter from the eligible child or grandchild in Canada, with required financial-support details.
Evidence that the host meets the current minimum necessary income requirement under the applicable 2026 method.
Documents establishing the parent/grandparent relationship and the host's Canadian citizenship, permanent residence or other eligible status.
Required immigration medical exam evidence and acceptable issued emergency medical insurance.
Check IRCC's official Super Visa eligibility and application instructions for the current process, documents and exceptions.
Practical answers about coverage, eligibility, monthly payments and using a Super Visa in Canada.
IRCC requires a minimum of CAD $100,000 in emergency medical coverage, covering health care, hospitalization and repatriation, with a policy valid for at least one year from the date of entry. Other insurer and payment conditions also apply.
IRCC accepts eligible issued policies paid in full or by instalments with a deposit. The exact deposit, schedule and wording must satisfy the insurance requirements. A quote alone does not meet the requirement.
Eligible Super Visa holders can generally stay for up to five years at a time under current IRCC rules. The minimum insurance-policy validity at entry is one year, but visitors should renew insurance as needed to keep coverage throughout their actual stay. Visitor status and insurance coverage are separate matters.
Premiums depend on the traveller's exact age and birth date, start date, selected coverage, deductible, health-history coverage and insurance company. Enter the specific traveller details in the live quote calculator rather than relying on generic price estimates.
Some plans cover eligible stable pre-existing conditions while others exclude them or apply different stability rules. Coverage is not automatic. Check the exact insurer policy wording and disclose the applicant's medical history accurately.
Yes, you can request quotes for two travellers and compare eligible arrangements. Each parent needs coverage that satisfies the insurance requirements. Pricing and any joint-policy features depend on the insurer and quotation system.
A refund may be available under the insurer's visa-refusal and cancellation provisions. Eligibility, required proof, administrative charges, timing and claim restrictions vary. Do not assume every policy provides a full refund.
A deductible is the portion of eligible claim costs the insured must pay under the policy. For example, a $1,000 deductible may reduce premiums but creates potential out-of-pocket exposure; confirm whether it applies once per policy, per claim or another way.
IRCC accepts qualifying insurance from a Canadian insurer or a foreign insurer authorized by OSFI under the specified accident-and-sickness insurance requirements, with the policy issued while doing insurance business in Canada. The eligibility of the specific insurer must be checked; not every overseas insurer qualifies.
IRCC requires proof of qualifying issued insurance with the application. Obtain the appropriate policy, verify its dates and coverage and retain the insurance documents before submitting.
Not necessarily. Compare the emergency medical limit, exclusions, stability-period requirements, deductible, assistance services, payment terms and refund conditions before deciding.
A Super Visa provides multiple-entry visitor status, subject to immigration rules. Separate travel-insurance coverage for trips outside Canada varies by insurer, destination and trip duration. Always verify the policy's territorial limits and exclusions before travelling.
These FAQs are for insurance education. Immigration decisions are made by IRCC and border officials, not by Insure In Canada Inc.
Insure In Canada Inc. supports families comparing insurance for parents and grandparents. Ask for help interpreting deductibles, stability wording, payment options and policy documents before you buy.

Financial and insurance advisor · Insure In Canada Inc.
Professional Financial Advisor (PFA) and Certified Health Insurance Specialist (CHS). Member of Advocis.
11 years of financial-services experience. Licensed in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia.
Mississauga office
205-5250 Solar Drive, Mississauga, ON L4W 0G4
Cambridge office
206-460 Hespeler Road, Cambridge, ON N1R 0E3
Phone: 647-640-2222
Email: pankaj@insureincanada.ca
Insurance availability and advisor licensing are province-dependent. Policy terms, eligibility and carrier offerings vary.
Real reviews from families who bought Super Visa and visitor insurance with Pankaj Bhatia.
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Get quotes first, review the policy wording, and select the insurer and payment arrangement that make sense for your parents' visit.