By Bahadur Singh, Licensed Insurance Broker | OM Financial, Mississauga
If your parents or grandparents are coming to Canada on a Super Visa and one of them is under 55 with no major health concerns, GMS super visa insurance might be the easiest and most straightforward option you will find. Group Medical Services, commonly known as GMS, is a Saskatchewan-born Canadian company with over 75 years in the health insurance business. I, Bahadur Singh, licensed insurance broker, have recommended GMS to many families — particularly those with younger or healthier parents — because of its simplified underwriting and solid coverage. Let me break down everything you need to know.
What Is GMS Super Visa Insurance?
GMS Visitors to Canada Insurance is specifically designed to meet the requirements of the Parent and Grandparent Super Visa program. It covers emergency medical care, hospitalization, and repatriation — everything IRCC demands. Here is the full requirements snapshot:
| IRCC Requirement | Details |
|---|---|
| Minimum coverage amount | $100,000 CAD |
| Issued by | A Canadian insurance company |
| Minimum validity | 1 full year (365 days) from date of entry |
| Coverage must include | Emergency healthcare, hospitalization, repatriation |
| Payment | Annual lump sum or eligible monthly plan |
| Plan type | Must be a policy, not a quote |
GMS meets and exceeds every one of these requirements. Thousands of Canadian families have successfully obtained super visas using GMS coverage.
GMS Super Visa Insurance Plans
GMS offers one core Visitors to Canada plan with two coverage tiers — $100,000 and $150,000. What makes GMS stand out is a feature that almost no other insurer offers:
No Medical Questions for Applicants Under 55
If your parent or grandparent is under 55 years old, GMS does not require any medical questionnaire at all. You simply answer eligibility questions and buy the policy. This makes GMS the fastest and simplest super visa insurance solution for younger visitors. No health disclosures, no underwriting delays, no back-and-forth. Just clean, simple coverage.
Pre-Existing Condition Coverage
GMS covers stable pre-existing conditions subject to a 180-day stability period before the policy effective date. This applies to applicants of all ages. Conditions that have been stable — meaning no new symptoms, no medication changes, no hospitalization, and no new diagnosis — for 180 days prior to the policy start date are eligible for coverage under the GMS plan.
Available Coverage Amounts
GMS offers $100,000 and $150,000 coverage options. Both meet IRCC requirements for the super visa. Coverage tops out at $150,000, which is lower than providers like RIMI (up to $1 million) or TruStone (up to $500,000), so for older parents or those with higher risk, consider whether additional coverage headroom matters to you.
What GMS Covers
- Emergency medical treatment and physician fees
- Hospitalization (semi-private room)
- Diagnostic tests, X-rays, MRIs
- Ambulance services
- Emergency dental treatment (accident-related)
- Repatriation of remains
- Prescription medications (emergency only)
- Automatic 48-hour coverage extension for travel delays
GMS Super Visa Insurance Cost
GMS is known for moderate, affordable pricing — especially for visitors with pre-existing conditions. Their simplified underwriting for under-55 applicants keeps admin costs down and that reflects in the price. Here are estimated monthly costs at $100,000 coverage with no deductible:
| Age | No Pre-Ex (approx.) | With Pre-Ex (approx.) |
|---|---|---|
| Under 40 | $60 – $80 | $80 – $105 |
| 40–49 | $80 – $105 | $105 – $135 |
| 50–54 (no medical questions) | $105 – $140 | $135 – $175 |
| 55–59 | $140 – $180 | $175 – $225 |
| 60–69 | $180 – $235 | $225 – $295 |
| 70–74 | $235 – $305 | $295 – $385 |
| 75–79 | $305 – $395 | $385 – $505 |
All prices in Canadian dollars. Call Bahadur Singh at 4372388119 for an exact quote specific to your parent’s profile.
How to Reduce GMS Super Visa Insurance Cost
Use Deductibles
GMS allows you to choose your deductible — starting from $0 — and adjusting it upward reduces your premium meaningfully. Choose the deductible that matches your risk comfort level:
| Deductible | Premium Reduction (approx.) |
|---|---|
| $0 | Base price |
| $500 | ~8–12% lower |
| $1,000 | ~15–18% lower |
| $2,500 | ~25% lower |
| $5,000 | ~35% lower |
| $10,000 | ~45% lower |
Broker Tip: For parents under 55 who are in good health and just need a straightforward super visa insurance policy with zero medical questions, GMS is often the fastest and simplest solution I recommend. Choose a deductible of $1,000 to $2,500 and the savings are real. Call me at 4372388119 to compare GMS side by side with RIMI, Manulife, or Travelance for your parent’s specific age and health profile.
Pre-Existing Conditions — Key Details
Pre-existing conditions are any medical conditions, diagnosed or undiagnosed, that existed before the policy effective date. GMS commonly covers stable versions of:
- High blood pressure
- Diabetes (stable and well-controlled)
- High cholesterol
- Arthritis
- History of cardiac events (if stable)
- Thyroid conditions
The 180-day stability requirement means: for 180 days before the policy start date, the condition must have had no new symptoms, no change in medication or dosage, no new diagnosis, no hospitalization, no specialist referral, and no pending tests. Even a reduction in dosage counts as a change and resets the stability clock.
Who Is Eligible for GMS Super Visa Insurance?
✅ Visiting Canada as a tourist, super visa applicant, or immigrant awaiting provincial health coverage
✅ Not eligible for any provincial or territorial health insurance plan
✅ Not travelling against physician’s advice
✅ Not diagnosed with terminal illness
✅ Purpose of visit is not medical treatment
✅ Able to perform daily living activities independently
GMS also includes automatic coverage extension of up to 48 hours in the event of a travel delay — a thoughtful feature for long-haul international flights.
Waiting Periods
One of GMS’s best features: if you apply before arriving in Canada or switch from another Canadian insurer with no gap in coverage, the waiting period is fully waived. Otherwise:
| When Purchased | Waiting Period |
|---|---|
| Before arriving in Canada | No waiting period |
| After arrival (switching from another insurer, no gap) | No waiting period |
| After arrival (new policy, gap in coverage) | Waiting period applies |
Buy before your parents board their plane. Same premium, zero waiting period risk.
GMS Super Visa Insurance Exclusions
- Pre-existing conditions that did not meet the 180-day stability period
- Elective, non-emergency, and cosmetic treatments
- Pregnancy, childbirth, fertility treatments
- Routine or preventive care
- Alcohol and drug-related injuries or illness
- Self-inflicted injuries
- High-risk sports and extreme activities
- Travel against government advisories (for trips outside Canada)
- Terminal illness
- Medical expenses in home country
How to Buy GMS Super Visa Insurance
Call or WhatsApp Bahadur Singh at 4372388119 for a no-cost personalized review. Or buy directly through the broker link below:
Get Your GMS Super Visa Insurance Quote →
- Enter the applicant’s date of birth and contact details.
- Confirm eligibility — including provincial destination and visa type.
- Select your coverage amount — $100,000 or $150,000.
- Answer health questions (under 55: none required).
- Select your deductible level.
- Enter effective date aligned with your parent’s arrival in Canada.
- Complete payment and receive your policy documents instantly by email.
For super visa applications, upload the policy confirmation PDF to your IRCC application.
Cancellation and Refund Policy
| Situation | Refund |
|---|---|
| Cancel within 10 days of purchase (before effective date) | Full refund |
| Visa refused | Full refund (proof required) |
| Early return to home country (no claim made) | Partial refund for unused days |
| Obtain provincial health coverage | Partial refund for unused days |
| Claim pending or paid | No refund |
How to File a GMS Super Visa Insurance Claim
Contact GMS Travel Assistance immediately in a medical emergency:
- Toll-free Canada and USA: 1-800-667-3699
- Available 24 hours a day, 7 days a week, in multiple languages
GMS provides 24/7 multi-language support — an important consideration for parents who may not speak English fluently. The assistance team will help locate a medical facility, coordinate direct billing, and guide the claim process. If direct billing is not available, keep all original receipts, hospital records, and prescription receipts, and submit them within the required claim window.
GMS Super Visa Insurance Reviews
- No medical questions for under-55 applicants — the biggest time-saver and stress-reducer for younger parents.
- Affordable premiums for applicants with pre-existing conditions, especially diabetes and blood pressure.
- Simple, transparent online application process.
- Responsive 24/7 multilingual customer support valued by non-English-speaking parents.
- Flexible deductible options allow meaningful premium savings.
Frequently Asked Questions
Q: Is GMS insurance approved for the Super Visa?
A: Yes. GMS Visitors to Canada plans meet all IRCC super visa requirements including $100,000 minimum coverage, 365-day validity, and emergency medical coverage.
Q: Does GMS really require no medical questions for under-55 applicants?
A: Yes. Applicants under age 55 purchase the GMS Visitors to Canada plan with no medical questionnaire at all — just eligibility confirmation questions. This is one of GMS’s most popular features.
Q: Does GMS cover pre-existing conditions?
A: Yes. Stable pre-existing conditions with a 180-day stability period are covered. This is for all applicants, including those over 55 who complete health questions.
Q: What is the maximum coverage available with GMS?
A: GMS maximum coverage is $150,000. If you need higher coverage for older parents, consider RIMI (up to $1 million) or TruStone (up to $500,000).
Q: Does GMS provide multilingual support?
A: Yes. GMS Travel Assistance is available 24/7 in multiple languages, which is important for parents who are more comfortable in Punjabi, Hindi, Urdu, or other languages.
We are an authorized GMS broker and there is no extra cost to buying through us. We are here to help you every step of the way.
Get a Free GMS Super Visa Insurance Quote →
Or contact Bahadur Singh directly at 4372388119 (Call or WhatsApp) for a side-by-side comparison with other providers.