By Bahadur Singh, Licensed Insurance Broker | OM Financial, Mississauga
When Indian and South Asian families in Canada search for dependable super visa insurance for their parents and grandparents, TruStone Health frequently comes up as one of the most competitive options on the market. Backed by Ingle International’s decades of experience in travel insurance for visitors to Canada, TruStone delivers a solid combination of flexible coverage, competitive premiums, and one of the most generous age limits available. I, Bahadur Singh, licensed insurance broker at OM Financial, sell TruStone policies regularly and can help you find the right plan at the right price.
What Is TruStone Super Visa Insurance?
TruStone Health is a Canadian travel insurance product distributed through Ingle International, one of Canada’s most established names in visitor and travel insurance. The emergency assistance is handled by Trident Global Assistance, a 24/7/365 support service, ensuring your parents get help whenever they need it. All TruStone plans fully 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 monthly |
| Plan type | Must be a policy, not a quote |
TruStone Super Visa Insurance Plans
TruStone offers two core plan options:
Plan Without Pre-Existing Condition Coverage
Designed for healthy visitors with no significant ongoing medical conditions. This is the most affordable entry point and meets all IRCC requirements for the super visa. Covers emergency medical treatment, hospitalization, ambulance services, repatriation, and more.
Plan With Pre-Existing Condition Coverage
This plan includes coverage for eligible stable pre-existing medical conditions. It requires a medical underwriting application and approval from TruStone before the policy is issued. The stability period requirement ranges from 90 to 365 days depending on the specific condition — making TruStone one of the more flexible options on the market for older applicants with complex health histories. Once approved, your parents have genuine peace of mind for the conditions disclosed.
Important: TruStone applies a special diabetes clause. If the insured has been diagnosed with diabetes, treatment for cardiovascular or cerebrovascular conditions is not covered unless the complete medical history was disclosed, submitted for underwriting, and endorsed by TruStone. Full transparency protects your claim.
Available Coverage Amounts
TruStone offers coverage from $25,000 up to $500,000. For super visa, minimum $100,000 is required. Higher coverage amounts are available for families who want extra protection — a good choice if your parents are over 70 and you anticipate potential hospitalization costs.
TruStone Super Visa Insurance Cost
TruStone is known for very competitive pricing, especially for healthy applicants. Entry-level plans for age 40 with no pre-existing conditions, $100,000 coverage, and a $10,000 deductible start from as low as $20 per month — one of the most affordable options in Canada. Realistic monthly estimates at $100,000 coverage with no deductible:
| Age | No Pre-Ex (approx.) | With Pre-Ex (approx.) |
|---|---|---|
| Under 40 | $60 – $85 | $85 – $110 |
| 40–49 | $85 – $110 | $110 – $145 |
| 50–59 | $110 – $150 | $145 – $195 |
| 60–69 | $150 – $200 | $195 – $260 |
| 70–74 | $200 – $270 | $260 – $350 |
| 75–79 | $270 – $360 | $350 – $460 |
| 80–89 | $360 – $480+ | Contact for quote |
All prices in Canadian dollars. For an exact quote based on your parent’s age and health history, call Bahadur Singh at 4372388119.
How to Reduce TruStone Super Visa Insurance Cost
Per-Policy Deductible — A Smart Feature
TruStone’s deductible works on a per-policy basis, not a per-claim basis. This means no matter how many claims your parent files during their stay, the deductible is only paid once per policy period. That is a significant advantage over competitors who apply the deductible to each individual claim.
| Deductible | Premium Reduction (approx.) |
|---|---|
| $0 | Base price |
| $250 | ~5–8% lower |
| $500 | ~10–12% lower |
| $1,000 | ~15–18% lower |
| $3,000 | ~25–30% lower |
| $5,000 | ~35% lower |
| $10,000 | ~45% lower |
Broker Tip: TruStone’s per-policy deductible structure is one of the best in the market. If your parent is otherwise healthy but wants to save on premiums, a $1,000 deductible is a very smart choice — you only pay it once even if multiple doctor visits or claims occur during the year.
Pre-Existing Conditions — What TruStone Covers
A pre-existing condition is any medical condition, diagnosed or undiagnosed, that existed before the policy’s effective date. Common ones include:
- Hypertension (high blood pressure)
- Type 1 or Type 2 diabetes
- Heart disease or history of cardiac events
- Arthritis and joint conditions
- Asthma or chronic respiratory conditions
- Thyroid conditions
- Past surgeries or ongoing treatments
The stability period for TruStone pre-existing coverage is 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 valuable feature for families who cannot wait 180 days for coverage.
Any condition that was not stable at any time within the 12 months immediately before the effective date will not be covered unless you have disclosed it, paid the additional premium, and received written endorsement from TruStone.
Who Is Eligible for TruStone Super Visa Insurance?
✅ Age 15 days old to 89 years old — one of the highest maximum age limits available in Canada
✅ Not eligible for any Canadian provincial health insurance plan
✅ Not travelling against physician’s advice
✅ Not diagnosed with terminal illness
✅ Purpose of visit is not medical treatment
✅ Capable of independent daily living activities
✅ Visiting as a tourist, super visa applicant, or new immigrant
TruStone also includes a Trip-Break feature. This allows the insured to take short trips back to their home country without terminating coverage. Medical expenses incurred outside Canada are not covered, but the policy stays active. This is very useful for parents who may need to return briefly during a long stay.
Waiting Periods
| When Purchased | Waiting Period |
|---|---|
| Before or on arrival date in Canada | No waiting period |
| After expiry of existing TruStone coverage (renewed with no gap) | No waiting period |
| Purchased after leaving country of residence | 5-day waiting period for sickness |
Once more, the advice is the same: buy before your parents board their flight. The premium does not change, and buying early means zero exposure to an uninsured window. If you are requesting a policy start date change after coverage begins, TruStone charges $50 per request, and they cannot change the date more than 2 months after coverage starts.
TruStone Super Visa Insurance Exclusions
- Pre-existing conditions not approved through underwriting (if the with pre-ex plan was not purchased)
- Elective, non-emergency, and cosmetic treatments
- Pregnancy, childbirth, fertility treatments
- Alcohol and drug-related injuries or illness
- Self-inflicted injuries
- High-risk activities and extreme sports
- Travel to conflict zones or areas under travel advisory
- Terminal illness
- Medical expenses incurred in home country during trip breaks
- Cardiovascular conditions related to undisclosed diabetes (Diabetes Clause)
How to Buy TruStone Super Visa Insurance
Call or WhatsApp Bahadur Singh at 4372388119 for a personalized review and zero-cost assistance. Or apply directly using the link below:
Get Your TruStone Super Visa Insurance Quote →
Cancellation and Refund Policy
Refund requests for TruStone are processed based on the date the proof is received — TruStone does not backdate refunds. No refund is available once a claim is pending or paid.
| Situation | Refund |
|---|---|
| Cancel within 10 days of purchase (before effective date) | Full refund |
| Visa refused | Full refund (proof required) |
| Early return to home country | Partial refund for unused days (no claim made) |
| Become eligible for provincial health plan | Partial refund for unused days |
| Claim pending or paid | No refund |
How to File a TruStone Super Visa Insurance Claim
For medical emergencies, contact Trident Global Assistance immediately:
- Available 24 hours a day, 7 days a week, 365 days a year
- They will direct you to the nearest appropriate medical facility
- They coordinate direct billing where available
If direct billing is not possible, retain all original itemized receipts, doctor notes, hospital admission and discharge records, prescription records, and ambulance records. Submit your claim within 90 days of the date of loss.
TruStone Super Visa Insurance Reviews
- Maximum age of 89 years — one of the highest available, ideal for elderly parents and grandparents.
- Per-policy deductible is a standout feature — pay your deductible once, not per claim.
- Medical underwriting for pre-existing conditions gives peace of mind through written endorsement.
- Flexible stability period reduction through additional premium — a unique feature not offered by all providers.
- Trip-Break feature is popular with families whose parents may need to return home briefly during their Canadian stay.
Frequently Asked Questions
Q: Is TruStone approved for the Super Visa?
A: Yes. TruStone plans meet all IRCC requirements including $100,000 minimum coverage, 365-day validity, and coverage for emergency medical care, hospitalization, and repatriation.
Q: What is the maximum age for TruStone super visa insurance?
A: TruStone covers applicants up to 89 years old — one of the highest limits among Canadian super visa insurers, equals with RIMI.
Q: How does TruStone’s per-policy deductible work?
A: The deductible amount is paid only once during the entire policy period, regardless of how many claims are made. This is unlike most insurers who apply the deductible to each claim separately.
Q: What stability period does TruStone require for pre-existing conditions?
A: TruStone’s stability period ranges from 90 to 365 days depending on the specific medical condition. An additional premium option is available to reduce the stability period for certain conditions.
Q: Can my parents leave Canada briefly without losing coverage?
A: Yes. The Trip-Break feature allows short visits to the home country without terminating the policy. Medical expenses in the home country during that period are not covered.
We are an authorized TruStone/Ingle broker and there is no extra cost to buying through us. We are here to help before, during, and after your purchase.
Get a Free TruStone Super Visa Insurance Quote →
Or contact Bahadur Singh directly at 4372388119 (Call or WhatsApp) for personalized guidance.