Super Visa insurance that meets the rules, first time.

What the government actually requires

To support a Super Visa application, an applicant needs proof of Canadian-accepted medical insurance that:

• provides at least $100,000 in emergency medical coverage;
• is valid for at least one year from the date of entry;
• covers healthcare, hospitalisation and repatriation; and
• is paid for in full, or paid by instalments with proof of a valid full-year policy.

Since 28 January 2025, policies from foreign insurers authorised by OSFI are also accepted. Verified against IRCC guidance on 2026-08-24.

The clause that decides your claim

Almost every Super Visa policy covers pre-existing conditions only if they have been stable for a defined period before the effective date — commonly 90 or 180 days, depending on age and plan.

“Stable” is a contractual term, and it is stricter than it sounds. In most wordings it means:

• no new diagnosis and no worsening of symptoms;
• no new medication and no change in dosage — including a reduction;
• no new treatment and no referral to a specialist;
• no hospitalisation for the condition.

A blood pressure medication adjusted from 5mg to 10mg two months before departure is, under most contracts, an unstable condition — and a related cardiac claim in Edmonton could then be reduced or declined, depending on the wording and on whether the condition is connected to the event. It is the clause I see catch families most often, and it is entirely avoidable by choosing a stability period the medical history actually fits.

Declare every condition and every medication. A non-disclosure found at claim time can void the entire policy, not just the claim.

Deductible, and why the cheapest quote is rarely the cheapest policy

Super Visa policies are usually offered with deductibles from $0 up to $10,000 or more. A higher deductible drops the premium noticeably. It also means a family paying the first $5,000 of an emergency out of pocket, in a currency they may not hold.

Compare four things, not one:

1. The stability period, against the actual medical history.
2. The deductible, against what the family could genuinely pay in a week.
3. Whether the coverage amount is per policy year or per incident.
4. Refund terms on visa refusal, and on early departure.

Practical sequence

1. Confirm the medical history first — every condition, every medication, every dosage change in the last year.
2. Pick the stability period that fits it, not the cheapest premium.
3. Set the effective date on or before the planned entry date.
4. Get the certificate in the format IRCC expects, showing coverage amount, validity dates and the insurer.
5. Keep the refund terms with the application file, in case the visa is refused.

I place this business through Travelance, and I am happy to have the whole conversation in Gujarati or Hindi — including with your parents directly, which is often the conversation that actually needs to happen.