Canada Super Visa Health Insurance — Everything You Need to Know

Key requirement: A Super Visa application needs proof of private medical insurance that meets IRCC's conditions. The policy must give at least $100,000 CAD of emergency coverage, be valid for a minimum of 1 year from the date of entry, and come from a Canadian insurance company or an insurer outside Canada authorised by OSFI. A policy that does not meet these conditions does not satisfy the requirement. Official source: IRCC – Super visa: health insurance and medical exam.

Minimum Insurance Requirements

Your Super Visa health insurance plan must meet ALL of the following IRCC criteria:

• Issued by a Canadian insurance company, or by an insurance company outside Canada that is authorised by the Office of the Superintendent of Financial Institutions (OSFI). A foreign-issued policy must include a statement that it was issued while the company was doing insurance business in Canada
• Minimum $100,000 CAD emergency coverage that covers health care, hospitalisation and repatriation
• Valid for a minimum of 1 year from the date of entry to Canada, and valid for each entry
• Paid in full or in instalments with a deposit (quotes are not accepted)
• Shows the name of the insurance company that issued the policy and can be reviewed by border services officers on request

What Does Super Visa Insurance Cover?

Beyond IRCC's minimums, what a policy covers differs by insurer and plan. These features commonly appear, but check your own policy wording:

• Emergency hospitalisation and surgery
• Prescription medications related to a covered emergency
• Emergency dental (accidental injury)
• Repatriation of remains in case of death
• Trip interruption (in some plans)

Pre-existing medical conditions may or may not be covered depending on the plan. If you have a pre-existing condition, read how the policy treats it, including any stability requirement, before you buy.

How Much Does Super Visa Insurance Cost?

Premiums are set by each insurer and depend on your age, health, coverage level, deductible and payment plan. IRCC does not set them, and we do not publish indicative premiums because they change. Get written quotes from several insurers and compare them against the conditions above.

A higher deductible can reduce the premium on some plans, and some insurers offer instalments. IRCC accepts payment in full or in instalments with a deposit, but not a quote, so confirm the policy is actually issued and paid as IRCC requires.

Choosing an Insurer

IRCC requires a policy from a Canadian insurance company or an OSFI-authorised foreign insurer that meets the conditions above. Compare plans on pre-existing condition treatment, deductible, refund and cancellation terms, and how claims are handled. This page is general information and is not an endorsement of any insurer or policy.

Can I Cancel the Insurance If My Visa Is Refused?

It depends on the insurer and the policy. Refund terms are set by each insurer, not by IRCC. Before you buy, ask in writing what refund applies if the visa is refused, and by what deadline the policy must be returned.

What Documents to Submit With Your Application

Provide proof of your insurance with the application as IRCC instructs. The proof should show the name of the insurance company that issued the policy, the coverage amount, the validity dates, and that the policy is paid. Keep a copy with you when you travel, because border services officers can ask to review it. See the full Super Visa documents checklist for what else you need.

Check Your Full Eligibility

Insurance is just one requirement. Review the complete Canada Super Visa eligibility criteria and the financial requirements your Canadian host must meet before applying. Have questions? Visit our Canada Super Visa FAQs. IndoWorld Visa & Education Services helps you understand the requirements and prepare documents, but IRCC and the border services officer make the decisions, and nothing here guarantees a visa. Official sources: IRCC – health insurance and medical exam and IRCC – who can apply.