What Is Super Visa Insurance in Canada? A Verified Guide for 2025

Super Visa insurance is a mandatory emergency medical insurance policy required by the Canadian government for parents and grandparents of Canadian citizens or permanent residents applying under the Super Visa program. The insurance is designed to cover unexpected medical costs during extended visits up to five years in Canada.

Why Super Visa Insurance Is Required

Since Canada does not provide public healthcare coverage to visitors, medical expenses such as emergency room visits, surgeries, and hospitalizations can result in thousands of dollars in out-of-pocket costs. Super Visa insurance ensures that these expenses are covered, keeping both visitors and their Canadian families protected.

What Are the Minimum Super Visa Insurance Requirements?

According to the policy documents of approved insurers, including Manulife, GMS, 21st Century,and Destination Canada, the following are standard IRCC-compliant requirements:

• Minimum coverage of $100,000 per person

• Valid for at least one year from the date of entry

• Coverage for emergency medical care, hospitalization, diagnostics, and ambulance

• Repatriation coverage (return to home country in case of death or critical illness)

• Option to include pre-existing conditions, provided they are stable for a specific period (typically 90 to 180 days, varies by insurer)

• The plan must be purchased before arrival in Canada

• Proof of purchase must be submitted with the visa application

Which Companies Offer Super Visa Insurance?

The following insurers are among the top options based on your provided documents and are IRCC-compliant:

1. Manulife

• Offers optional pre-existing condition coverage

• Flexible deductibles to reduce premiums

• Emergency medical and repatriation coverage

2. GMS (Group Medical Services)

• Offers affordable single-entry and annual multi-entry plans

• Includes 24/7 emergency assistance

• Suitable for visitors with fewer medical risks

3. 21st Century Travel Insurance

• Specializes in plans for healthy travelers

• Optional monthly payment plans with full premium commitment

• Covers hospitalization, diagnostics, and physician services

4. Destination Canada (by Zurich Insurance)

• Covers hospital stays, physician visits, and lab tests

• Offers return-of-remains or cremation benefits

• Competitive for long-term stays and multiple entries

All these insurers meet IRCC Super Visa requirements and offer plans valid for parents and grandparents visiting Canada under the Super Visa program .

Final Thoughts

Super Visa insurance is more than a legal requirement it is a critical safeguard for families bringing loved ones to Canada. Whether you're concerned about pre-existing conditions, age-related risks, or just want the most cost-effective protection, companies like Manulife, GMS, 21st Century, and Destination Canada offer verified and tailored coverage options to meet your needs.

At DaddySafe, we help you compare these trusted providers to find the best Super Visa insurance efficiently, affordably, and with peace of mind.