By Bahadur Singh, LLQP Licensed Insurance Broker | Mississauga
Selling TruStone (formerly Ingle Assurance) super visa policies. Questions? Call or WhatsApp: 437-238-8119

TruStone Health (Formerly Ingle Assurance) Super Visa Insurance: 2025 Complete Review

If you’ve been searching for Ingle Assurance super visa insurance and landing on pages that seem outdated — you’re not alone. In 2025, Ingle International’s visitor insurance division was acquired by TruStone Financial Inc. and rebranded as TruStone Health. Same excellent coverage, same competitive pricing, new name. This review covers everything you need to know about TruStone Health super visa insurance, written by me — Bahadur Singh, a licensed broker in Mississauga who has helped hundreds of South Asian families get their parents and grandparents covered under Canada’s Super Visa program.

What Happened to Ingle Assurance? (The 2025 Rebrand Explained)

Many families who purchased Ingle Assurance policies in the past are now asking: “Is Ingle Assurance still available? Did my coverage change?” Here’s what happened:

TruStone Financial Inc., a subsidiary of Empire Life Insurance Company, acquired the Ingle Assurance visitor insurance business. The product is now called TruStone Health — and it is administered by TruStone Health (a tradename of TruStone Financial Inc.) and underwritten by Empire Life. Emergency assistance is still handled by Trident Global Assistance, available 24/7/365.

The short version: if you loved Ingle Assurance, you’ll be happy with TruStone. The pricing, flexibility, and benefits are competitive with — or better than — what you were getting before.

What Is Super Visa Insurance and Why Does It Matter?

The Canadian Super Visa lets parents and grandparents of Canadian citizens or permanent residents stay in Canada for up to 5 years at a time — without having to leave and reapply every 6 months. But before IRCC approves the visa, your parent’s insurance policy has to be in hand. Here’s what the government requires:

Every TruStone Health plan fully satisfies these requirements. If a visa officer rejects the policy, you get a full refund — no questions asked.

TruStone Health Super Visa Insurance Plans

TruStone offers two core plans for the super visa. The right one for your parent depends entirely on their health history.

Plan A: No Pre-Existing Condition Coverage

This is the plan for parents in generally good health who have no ongoing medical conditions. It’s the most affordable entry point — and it still fully meets all IRCC super visa requirements. Coverage includes emergency medical treatment, hospitalization, ambulance services, prescription drugs (30-day supply), private duty nursing (up to $10,000), and repatriation.

Best for: Parents under 65 with no significant medical history, or families prioritizing the lowest possible premium.

Plan B: With Pre-Existing Condition Coverage (Medical Underwriting)

This is where TruStone stands out. Most insurers either exclude pre-existing conditions entirely or apply blanket rules. TruStone uses individual medical underwriting — meaning your parent’s specific conditions are reviewed and, if approved, actually covered with a written endorsement on the policy. That written confirmation is what gives families real peace of mind when a parent with controlled diabetes or hypertension travels to Canada.

The stability period requirement ranges from 90 to 365 days depending on the specific condition. TruStone also offers an optional premium top-up to reduce the stability period for certain conditions — a feature that’s genuinely rare in this market. If your parent had a medication change 4 months ago and you can’t wait for a 6-month stability window, this option may still get them covered.

Important — the Diabetes Clause: If your parent has been diagnosed with diabetes, treatment for cardiovascular or cerebrovascular conditions will only be covered if the full medical history was disclosed, submitted for underwriting, and endorsed by TruStone in writing. Don’t skip this step. Full transparency protects your claim.

Best for: Parents with hypertension, diabetes, heart history, arthritis, thyroid conditions, or other stable pre-existing conditions who need genuine coverage — not just a policy that excludes the conditions they’re most likely to need it for.

Coverage Amounts Available

TruStone offers coverage from $25,000 to $500,000. For the super visa, you need a minimum of $100,000. For parents over 70, I typically recommend $150,000–$200,000 — a single hospitalization in Canada can easily run $150,000+, and the extra premium for higher coverage is modest compared to the protection it provides.

TruStone Super Visa Insurance Cost (2025 Estimates)

TruStone Health is one of the most competitively priced visitor insurance products in Canada — especially for healthy applicants. The estimates below are for $100,000 coverage with no deductible. Your actual premium depends on age, health history, deductible choice, and coverage amount.

All figures in Canadian dollars. Entry-level plans for age 40, no pre-existing conditions, with a $10,000 deductible start from as low as $20/month — one of the lowest starting points available in Canada.

For an exact quote based on your parent’s age and health, call or WhatsApp me at 437-238-8119. There’s no extra cost to buying through a licensed broker — we get paid by the insurer, not by you.

TruStone’s Per-Policy Deductible: The Feature Most Brokers Forget to Mention

Most super visa insurance policies apply the deductible per claim. That means if your parent sees a doctor three times during their stay and each visit becomes a claim, they pay the deductible three times. TruStone’s deductible works on a per-policy basis — it’s paid once, no matter how many claims occur during the full policy period. This changes the math significantly for anyone considering a higher deductible to save on premiums.

Broker Tip from Bahadur Singh: For a parent who’s otherwise healthy and just wants emergency coverage for a major event, a $1,000 or $2,500 deductible is often the sweet spot. Because TruStone only makes you pay it once, you’re protected for the entire year even if you have multiple doctor visits — and you’ll save 15–20% on your annual premium.

Pre-Existing Conditions: What TruStone Covers and What It Doesn’t

A pre-existing condition is any medical condition — diagnosed or not — that existed before the policy’s effective date. The most common ones I see in my practice with South Asian families include:

• Hypertension (high blood pressure) — very common, often manageable with a 90–180 day stability window
• Type 1 or Type 2 diabetes — coverable, but the Diabetes Clause applies (see above)
• Heart disease or history of cardiac events — requires full medical underwriting
• Arthritis and joint conditions
• Asthma or chronic respiratory conditions
• Thyroid conditions
• Past surgeries or ongoing follow-up treatments

TruStone’s stability period runs from 90 to 365 days depending on the condition. One important nuance: if any pre-existing condition was not stable at any point in the 12 months before the policy’s effective date, it won’t be covered unless you disclosed it, paid the additional premium, and received written endorsement from TruStone. Verbal assurances mean nothing at claim time — get it in writing.

The good news: TruStone’s option to pay an additional premium and reduce the stability period for certain conditions is genuinely rare among Canadian insurers. If your parent had a medication adjustment recently, reach out to me and I’ll tell you whether TruStone’s reduced-stability option makes sense for your situation.

Who Qualifies for TruStone Super Visa Insurance?

TruStone is one of the most inclusive super visa insurers on the market. Here’s who qualifies:

• Age 15 days to 89 years old — among the highest age limits available in Canada
• Not eligible for any Canadian provincial health insurance plan
• Not travelling against physician’s advice
• Not diagnosed with a terminal illness
• Not visiting Canada primarily for medical treatment
• Able to perform normal daily activities independently
• Visiting as a tourist, super visa applicant, or new immigrant

Trip-Break Feature: One of the most practical features TruStone offers. If your parents need to briefly return to their home country — for a family event, a follow-up doctor’s appointment at home, or any other reason — the TruStone policy stays active during that trip. Medical expenses incurred outside Canada during the break are not covered, but the policy doesn’t terminate. When they return to Canada, coverage continues seamlessly. For parents planning an extended 2–3 year Canadian stay, this is enormously useful.

Waiting Periods — Buy Before They Board

My strongest advice: buy the policy before your parent gets on the plane. The premium is identical whether you buy it today or the day before they fly. Buying early eliminates any window of uninsured exposure, avoids the 5-day sickness waiting period, and gives you one less thing to do while managing the visa application. If you later need to change the policy start date, TruStone charges $50 per request and cannot make changes more than 2 months after coverage begins.

What TruStone Super Visa Insurance Does NOT Cover

Every insurance policy has exclusions. TruStone’s are standard for the Canadian super visa market:

• Pre-existing conditions not approved through underwriting (if Plan B wasn’t purchased and endorsed)
• Elective, non-emergency, and cosmetic procedures
• Pregnancy, childbirth, and fertility treatments
• Alcohol or drug-related illness or injury
• Self-inflicted injuries
• High-risk activities and extreme sports
• Travel to conflict zones or areas under Canadian government travel advisory
• Terminal illness
• Medical expenses during trip breaks (in the home country)
• Cardiovascular conditions linked to undisclosed diabetes (Diabetes Clause)

Cancellation and Refund Policy

One thing families sometimes miss: TruStone processes refunds based on the date they receive your proof — they do not backdate refunds. If your parent returns home on March 1st but you send the documents on March 20th, the refund period starts March 20th, not March 1st. Submit documentation promptly.

How to File a TruStone Claim in Canada

For any medical emergency, the first call should always be to Trident Global Assistance — available 24 hours a day, 7 days a week, 365 days a year. They will direct your parent to the nearest appropriate facility and coordinate direct billing where possible. Save their number in your phone and your parent’s phone before the travel date.

If direct billing isn’t available at the facility, keep every document: itemized receipts, doctor’s notes, hospital admission and discharge records, prescription receipts, and ambulance records. Submit the claim within 90 days of the date of loss. Missing this window can result in a denied claim even for a legitimate emergency.

TruStone Health vs Other Super Visa Insurers

How does TruStone stack up? Here’s an honest comparison based on my experience placing policies across multiple insurers:

Note: This comparison reflects my experience as a broker and publicly available information as of 2025. Plan details change — always confirm current policy wording before purchasing.

Frequently Asked Questions

Is Ingle Assurance still available for super visa?

Ingle Assurance as a standalone brand no longer exists — it was acquired by TruStone Financial Inc. in 2025 and rebranded as TruStone Health. The coverage, underwriting approach, and emergency assistance (Trident Global Assistance) remain excellent. If you had an existing Ingle Assurance policy, it has been transitioned to TruStone Health.

Is TruStone Health approved for the super visa?

Yes. TruStone Health plans satisfy all IRCC requirements: minimum $100,000 coverage, 365-day validity, and coverage for emergency medical care, hospitalization, and repatriation. IRCC accepts TruStone policies for super visa applications.

What is the maximum age for TruStone super visa insurance?

TruStone covers applicants up to 89 years old — one of the highest maximum ages in Canada for super visa insurance.

How does TruStone’s per-policy deductible work?

You pay the deductible amount only once during the entire policy year — regardless of how many claims your parent files. Most competing insurers apply the deductible to each claim separately. This makes TruStone’s deductible structure significantly more favorable for families who expect multiple medical visits during an extended stay.

What stability period does TruStone require for pre-existing conditions?

Stability periods range from 90 to 365 days depending on the specific condition. TruStone also offers the option to pay an additional premium to reduce the stability period for certain conditions — a feature not available with most other insurers.

Can my parents leave Canada briefly without losing their coverage?

Yes. The Trip-Break feature allows short trips back to the home country without cancelling the policy. The policy stays active in Canada — medical costs incurred in the home country during the break are not covered, but your parents don’t need to repurchase coverage when they return.

How much does TruStone super visa insurance cost per month?

For a parent aged 60–69 with no pre-existing conditions and $100,000 coverage (no deductible), expect approximately $150–$200 per month. Adding a $1,000 deductible reduces this by roughly 15–18%. For parents with pre-existing conditions, estimates are higher and depend on the specific conditions disclosed. Call me at 437-238-8119 for a personalized quote in minutes.

Bahadur Singh is a licensed insurance broker (LLQP) at OM Financial, Mississauga. He specializes in super visa insurance, visitor insurance, and life insurance for South Asian and immigrant families in the Greater Toronto Area. He is an authorized TruStone Health / Ingle broker. There is no additional cost to purchasing through a licensed broker.

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