Super Visa Insurance: Best Plans, Providers & Tips for 2026
✅ IRCC-approved | 💬 Get a Free Quote on WhatsApp | 📄 Instant Policy
Looking for affordable, reliable Super Visa insurance for your parents or grandparents visiting Canada? You’ve come to the right place. We compare top Canadian providers like Manulife, Travel Shield, RIMI, Ingle (Trustone), Travelance, GMS, and more — all approved by Immigration, Refugees and Citizenship Canada (IRCC).
What Is Super Visa Insurance?
Super Visa insurance is a mandatory emergency medical travel insurance policy required for parents and grandparents applying for a Canadian Super Visa. It must be issued by a Canadian insurer and meet strict IRCC criteria to ensure your loved ones are protected from unexpected medical costs during their stay in Canada.
IRCC Requirements for Super Visa Insurance
- ✅ Minimum coverage of $100,000 CAD
- ✅ Coverage for hospitalization, healthcare, and repatriation
- ✅ Valid for at least 1 year from the date of entry into Canada
- ✅ Issued by a Canadian insurance company approved by IRCC
Failure to meet any of these conditions may result in Super Visa refusal. Always verify your policy meets IRCC standards before submitting your application.
Top 9 Super Visa Insurance Providers in Canada (2025)
We’ve compared pricing, age limits, refund policies, and coverage options to help you choose the best plan for your family.
| Provider | From/Month | Max Age | Key Features |
|---|---|---|---|
| Trustone / Ingle Get Quote | $60 | 85 | Cheapest rates, Punjabi support, monthly payments, high approval |
| RIMI / Secure Travel Get Quote | $80 | 89 | Up to $1M coverage, includes AD&D, covers pre-existing conditions |
| Travel Shield Get Quote | $80 | 85 | 4.9★ Google rating, 3 plan tiers, walk-in clinic access, fast refunds |
| Travelance Get Quote | $120 | 89 | Family discounts, easy installments, ClaimAssist support |
| GMS Get Quote | $130 | 79 | Simple claims, one-page application, good for pre-existing conditions |
| Destination Travel Get Quote | $130 | 80 | Underwritten by Manulife, monthly payments, transparent pricing |
| Manulife Get Quote | $150 | 85 | Trusted brand, 130+ years, flexible top-ups, global support |
| Allianz Global Get Quote | $180 | 80 | Worldwide assistance, includes pre-existing coverage |
| TuGo Get Quote | Varies | 85 | Only 7-day stability for pre-existing conditions, underwritten by IA |
What Does Super Visa Insurance Cover?
All IRCC-compliant plans include emergency medical benefits such as:
- 🏥 Emergency hospitalization & doctor visits
- 🚑 Ambulance & medical evacuation
- 💊 Prescription medications (related to emergency)
- 🦷 Emergency dental care (e.g., due to accident)
- ✈️ Repatriation of remains (in worst-case scenarios)
- 🦠 COVID-19 hospitalization (covered by most providers)
Pre-Existing vs. Non Pre-Existing Condition Plans
Non Pre-Existing Plans (Standard/Plan A): Lower premiums, cover new illnesses or injuries only.
Pre-Existing Condition Plans (Enhanced/Plan B): Higher cost but cover stable chronic conditions (e.g., diabetes, hypertension) if stable for 3–180 days before travel (varies by insurer).
How to Buy Super Visa Insurance – 3 Easy Steps
Step 1: 📞 Contact us with your parent’s age, travel dates, and health status.
Step 2: 💬 Receive instant, no-obligation quotes from top IRCC-approved insurers.
Step 3: 🧾 Get your official insurance certificate via email within minutes—ready for your Super Visa application.
Refundable Super Visa Insurance – Only Pay for What You Use
All major providers offer partial refunds if:
- Your Super Visa is refused
- Your parents return early
- Travel dates change (start date can often be adjusted for free)
💡 Example: If your parents stay 6 months instead of 12, you may get a 50% refund on unused coverage—subject to provider terms.
How to Save on Super Visa Insurance Premiums
1. Add a Deductible
Choosing a deductible lowers your monthly cost significantly:
- $250 deductible → Save 10%
- $500 deductible → Save 15%
- $1,000 deductible → Save 20%
- $3,000 deductible → Save 30%
- $10,000 deductible → Save up to 45%
2. Choose Non Pre-Existing Coverage (If Eligible)
If your parents are in good health with no chronic conditions, opt for a standard plan to reduce costs by 20–40%.
3. Compare Multiple Quotes
Premiums can vary by over 50% between insurers for the same profile. Always compare before buying!
Frequently Asked Questions (FAQ)
How much does Super Visa insurance cost?
Average cost: $100–$200/month, depending on age, health, deductible, and coverage amount. Couples often get discounted joint rates.
When should I buy Super Visa insurance?
Before submitting your Super Visa application. IRCC requires proof of paid, valid insurance at the time of application.
Does it cover visits to a family doctor?
Generally, **no**—Super Visa insurance covers emergency medical expenses only. Routine check-ups or non-urgent care are excluded. Travel Shield is one of the few offering limited GP access under certain plans.
Can I buy it from outside Canada?
Yes! Canadian children or grandchildren can purchase the policy from anywhere in the world on behalf of their visiting parents.
Is Super Visa insurance refundable?
Yes—most providers offer pro-rated refunds for unused coverage if the visa is denied or the trip is canceled early.
Why Choose Us?
At Bhflights, we specialize in helping Indian and Punjabi families in Brampton, Mississauga, Toronto, Calgary, and Edmonton secure the best Super Visa insurance at the lowest cost—with:
- ✅ Instant IRCC-compliant quotes
- ✅ Punjabi & Hindi language support
- ✅ Transparent refund & cancellation policies
- ✅ Expert guidance from licensed advisors (LLQP & TICO certified)
“Our goal is simple — to make Super Visa Insurance affordable, refundable, and stress-free.”
— Bahadur Singh, LLQP, TICO
📞 Need help choosing a plan? Chat with us on WhatsApp for a free, no-obligation quote today!
🔗 Learn more about Super Visa application requirements, processing times, and income thresholds.
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Super Visa Insurance is such a crucial aspect of the Super Visa process, and this article does a great job explaining why it’s necessary and how to navigate the options. For families wanting to bring their parents or grandparents to Canada for an extended stay, getting the right insurance coverage isn’t just a formality—it’s a requirement. The breakdown of coverage details, including emergency medical expenses, hospital stays, and repatriation, makes it clear why this insurance is so important.
What stands out is the emphasis on choosing the right plan. With so many providers offering different levels of coverage, applicants need to ensure they’re meeting government requirements while also securing a plan that offers the best protection. It’s also great that the article highlights the cost factors—age, coverage amount, and pre-existing conditions can all influence the final price.
I also appreciate the tips on comparing different plans and looking beyond just the cost. After all, peace of mind is priceless when it comes to ensuring the health and safety of visiting loved ones. This guide is definitely a must-read for anyone applying for a Super Visa!