By Bahadur Singh, Licensed Insurance Broker | OM Financial, Mississauga
Some families bringing their parents to Canada on a Super Visa want not just Canadian coverage — they want a name with global reach, multilingual support, and decades of international insurance experience. Allianz Global Assistance delivers exactly that. As one of the world’s largest insurance and assistance providers, operating across 44 countries, Allianz Global Assistance super visa insurance combines the credibility of a global brand with the IRCC compliance of a Canadian-administered policy. I, Bahadur Singh, licensed insurance broker at OM Financial in Mississauga, work with Allianz and can help you determine whether it is the right fit for your family.
What Is Allianz Global Assistance Super Visa Insurance?
Allianz Global Assistance (the registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.) offers a Visitors to Canada plan that is fully accepted for the Parent and Grandparent Super Visa. Policies are underwritten by CUMIS General Insurance Company, a member of The Co-operators group — a well-established Canadian insurer. All Allianz Visitors to Canada plans meet IRCC super visa requirements:
| 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 or eligible installment |
| Plan type | Must be a policy, not a quote |
Allianz has been providing medical assistance and trip services to Canadians and visitors for over 30 years. Their global operation centres across 44 countries mean genuinely international emergency support for your parents.
Allianz Super Visa Insurance Plans
Allianz offers flexible Visitors to Canada plan options designed to cover the full spectrum of super visa applicants — from healthy first-time visitors to seniors with more complex health histories. Their plans cover:
- Emergency medical treatment and physician fees
- Hospitalization (semi-private room)
- Diagnostic tests, X-rays, and laboratory services
- Ambulance transportation
- Emergency dental treatment (accident-related)
- Repatriation of remains
- Emergency prescription medications
- Travel-related benefits in addition to emergency medical coverage (depending on plan)
Plan Without Pre-Existing Condition Coverage
For healthy visitors with no significant ongoing health conditions. This is the most affordable entry point and fully meets all IRCC super visa requirements. No medical questions are involved for eligible younger applicants.
Plan With Stable Pre-Existing Condition Coverage
For parents and grandparents with ongoing but stable health conditions. Allianz requires a stability period — meaning no changes to medication, no new symptoms, no hospitalization, and no specialist referral during the required stability window before the effective date. This plan provides genuine coverage for conditions like controlled blood pressure, stable diabetes, and arthritis, when the stability conditions are met.
Available Coverage Amounts
Allianz Visitors to Canada coverage is available from $100,000 to $300,000 — giving families meaningful options above the IRCC minimum. Coverage up to $300,000 is one of Allianz’s competitive advantages over providers capped at $150,000 or $200,000, while still falling short of RIMI’s $1 million maximum.
Allianz Super Visa Insurance Cost
Allianz is positioned in the premium tier of super visa insurance providers. The broader global infrastructure, multilingual 24/7 assistance, and Allianz brand reputation are reflected in the pricing. Here are estimated monthly costs at $100,000 coverage with no deductible:
| Age | No Pre-Ex Plan (approx.) | With Pre-Ex Plan (approx.) |
|---|---|---|
| Under 40 | $80 – $105 | $105 – $140 |
| 40–49 | $105 – $140 | $140 – $180 |
| 50–59 | $140 – $185 | $180 – $240 |
| 60–69 | $185 – $245 | $240 – $315 |
| 70–74 | $245 – $320 | $315 – $415 |
| 75–79 | $320 – $420 | $415 – $545 |
| 80–89 | $420 – $560+ | Contact for quote |
All prices in Canadian dollars. For an exact Allianz quote based on your parent’s specific age and health history, call Bahadur Singh at 4372388119.
How to Reduce Allianz Super Visa Insurance Cost
Add a Deductible
Like all major super visa insurers, Allianz allows you to choose a deductible to reduce your premium:
| Deductible | Premium Reduction (approx.) |
|---|---|
| $0 | Base price |
| $500 | ~8–12% lower |
| $1,000 | ~15–18% lower |
| $2,500 | ~22–27% lower |
| $5,000 | ~30–35% lower |
Choose the Right Coverage Amount
For the super visa, $100,000 meets the IRCC minimum. If your parents are in reasonably good health and you are comfortable with the $100,000 threshold, choosing it over $150,000 or $300,000 brings the premium down meaningfully.
Broker Tip: Allianz is an excellent choice for families whose parents travel frequently between countries, have internationally mobile lifestyles, or are accustomed to dealing with a global insurance brand. The multilingual emergency assistance network is genuinely impressive. If budget is the top priority, compare Allianz with RIMI or GMS — I can do this side-by-side analysis for you at no cost. Call 4372388119.
Pre-Existing Conditions — Allianz’s Approach
What Is a Pre-Existing Condition?
Under Allianz, a pre-existing condition is any medical condition, diagnosed or undiagnosed, that existed before the effective date of coverage. For the pre-existing condition plan, the stability requirement must be met during the specified period before the policy starts. Common conditions that are covered when stable:
- Hypertension (high blood pressure) — stable and controlled
- Type 2 diabetes — stable and well-managed
- High cholesterol
- Arthritis and joint conditions
- Thyroid conditions (stable)
- History of cardiac events (fully stable, no recent changes)
Key stability definition: during the stability period, there must have been no new treatments, no medication changes, no new symptoms, no hospitalization, no specialist referral, and no pending investigation results. A dosage change — even a reduction — resets the stability clock.
Who Is Eligible for Allianz Super Visa Insurance?
✅ Age 15 days old to 89 years old — one of the widest age ranges available
✅ Not eligible for any Canadian provincial health insurance plan
✅ Not travelling against physician’s advice
✅ Not diagnosed with a terminal illness
✅ No terminal cancer (Stage 3 or Stage 4) diagnosis
✅ Not diagnosed with a condition requiring ongoing treatment for terminal illness in the past 3 months
✅ Does not require daily assistance for medical reasons
✅ Purpose of visit is not medical treatment
Allianz Visitors to Canada plans also offer flexible trip break and return home benefits. Visitors can return to their home country briefly during the coverage period. The policy remains active but medical expenses during that home country visit are not covered. This is ideal for parents who maintain ties and commitments in their home country while spending the majority of their year in Canada with family.
Waiting Periods
| When Purchased | Waiting Period |
|---|---|
| Before arriving in Canada | No waiting period |
| After arrival (within 30 days, no coverage gap) | 48-hour waiting period for sickness |
| More than 30 days after arrival | 8-day waiting period for sickness |
As with all providers, buying before your parents leave their home country is the smartest move. No waiting period, no coverage gap, same premium. If you are renewing an Allianz policy with no coverage gap, the waiting period is waived.
Allianz Super Visa Insurance Exclusions
- Pre-existing conditions that did not meet the stability period requirement
- Terminal illness or terminal cancer (Stage 3 or Stage 4)
- Elective, non-emergency, and cosmetic treatments
- Pregnancy, childbirth, and fertility treatments
- Alcohol and drug-related injuries or illness
- Self-inflicted injuries
- High-risk sports and extreme activities
- Travel to conflict zones or areas with government travel advisories
- Medical expenses in home country (during return visits)
- Conditions requiring daily medical assistance
How to Buy Allianz Super Visa Insurance
The simplest way is to call or WhatsApp Bahadur Singh at 4372388119. I will review your parents’ health history, recommend the right Allianz plan, and handle the purchase at zero extra cost. Or apply directly through the broker link below:
Get Your Allianz Super Visa Insurance Quote →
- Enter traveller name, date of birth, and contact information.
- Select your effective date — align with your parent’s planned Canadian arrival date.
- Choose your plan — with or without pre-existing condition coverage.
- Complete the health questionnaire if applicable.
- Select your coverage amount ($100,000, $150,000, or $300,000).
- Choose your deductible.
- Complete payment and receive policy documents immediately by email.
Documents you will receive:
- Policy confirmation — upload this to your IRCC super visa application
- Full policy wording document
- Allianz emergency assistance contact card
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 |
| Become eligible for provincial health coverage | Partial refund for unused days |
| Claim pending or paid | No refund |
How to File an Allianz Super Visa Insurance Claim
In a medical emergency, contact Allianz Global Assistance immediately:
- Toll-free Canada and USA: 1-800-869-6747
- Call collect worldwide: 416-340-8809
- Available 24 hours a day, 7 days a week
Claims must be reported within 30 days of occurrence. Written proof of claim must be submitted within 90 days. When submitting your hospital claim, include:
- Fully completed and signed Allianz claim form
- All original bills and receipts from the medical facility
- Emergency room report and physician’s diagnosis
- Medical certificate completed by the treating physician
Mail completed claims to: Allianz Global Assistance Claims Department, P.O. Box 277, Waterloo, Ontario, Canada N2J 4A4
Allianz Super Visa Insurance Reviews
- Global brand with 30+ years in Canadian travel insurance — trust comes naturally.
- Multilingual 24/7 emergency assistance across 44 countries — a genuine differentiator for internationally mobile families.
- Coverage up to $300,000 — more headroom than most Canadian-only providers who cap at $150,000 to $200,000.
- Wide age eligibility up to 89 years — suitable for elderly grandparents.
- Efficient global claims coordination — Allianz’s infrastructure means claims are handled with professional rigor.
Frequently Asked Questions
Q: Is Allianz Global Assistance super visa insurance IRCC approved?
A: Yes. Allianz Visitors to Canada plans are IRCC-compliant, meeting the $100,000 minimum, 365-day validity, and emergency medical, hospitalization, and repatriation requirements. Policies are administered by AZGA Service Canada Inc. and underwritten by CUMIS General Insurance Company — both Canadian entities.
Q: What is the maximum age for Allianz super visa insurance?
A: Allianz covers super visa applicants up to 89 years of age, making it suitable for elderly grandparents and parents.
Q: Does Allianz cover pre-existing conditions for super visa?
A: Yes. The pre-existing condition plan covers stable conditions meeting the required stability period. Conditions must have had no changes in medication, treatment, or symptoms for the required stability period before the effective date.
Q: How much coverage does Allianz offer for super visa?
A: Allianz offers $100,000, $150,000, and $300,000 coverage options for super visa applicants — one of the higher maximum limits available among mainstream providers.
Q: What is Allianz’s emergency contact number?
A: For medical emergencies, call Allianz Global Assistance at 1-800-869-6747 (toll-free Canada and USA) or 416-340-8809 (collect worldwide), available 24 hours a day, 7 days a week.
Q: When must I report an Allianz claim?
A: Claims must be reported within 30 days of occurrence. Written proof of claim with all supporting documentation must be submitted within 90 days of occurrence.
We are an authorized Allianz Global Assistance broker and there is no extra cost to buying through us. I, Bahadur Singh, am here to help you every step of the way — from choosing the right plan to handling date changes and claim support.
Get a Free Allianz Super Visa Insurance Quote →
Or contact Bahadur Singh directly at 4372388119 (Call or WhatsApp) for a no-cost, personalized comparison of Allianz vs other top super visa insurance providers.