Super Visa Insurance for Parents and Grandparents
Medical insurance required for parents and grandparents applying for a Canadian Super Visa — helping cover unexpected medical expenses during their stay in Canada.
minutes. Excellent service."
What Is Super Visa Insurance?
Super Visa Insurance is a medical insurance plan required for parents and grandparents who are applying for a Canadian Super Visa. It helps cover unexpected medical expenses during their stay in Canada, including emergency medical treatment, hospitalization and other eligible healthcare services.
The Canadian government requires Super Visa applicants to have valid medical insurance from an approved provider that meets specific coverage requirements. It is designed for longer stays and provides financial protection if a medical emergency occurs while parents or grandparents are away from their home country.
Who Needs It?
Super Visa Insurance is for:
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✓ Parents
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✓ Grandparents
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✓ Sponsors (Canadian citizens and permanent residents purchasing for eligible family members)
Requirements
To apply for a Canadian Super Visa, parents and grandparents must provide proof of valid medical insurance that meets the requirements set by Immigration, Refugees and Citizenship Canada (IRCC).
$100,000 Minimum Coverage
Super Visa Insurance policies must provide a minimum of $100,000 in emergency medical coverage.
One-Year Validity
The policy must be valid for at least one year after entry into Canada.
Emergency Medical
Coverage for unexpected medical emergencies that occur while visiting Canada.
Hospitalization
Coverage for eligible hospital-related expenses.
Repatriation
Benefits for eligible return transportation or related situations.
Eligible Insurance Provider
Plans underwritten by trusted providers, including Starr Insurance & Reinsurance Limited (Canada Branch) and Berkley Canada.
This information is general and is not immigration or legal advice.
Coverage
Coverage may include eligible emergency medical services, hospitalization, ambulance services and repatriation benefits, depending on the policy selected.
Coverage for eligible unexpected illnesses, injuries and medical emergencies during the stay in Canada.
Regular medical examinations, preventive care or non-emergency healthcare services.
Eligible emergency ambulance transportation when medically required.
Procedures performed primarily for cosmetic or appearance-related reasons.
Eligible hospital expenses, emergency treatment and medically necessary services during hospitalization.
Treatments considered experimental or not medically recognized under the policy terms.
Eligible transportation expenses for returning the insured person to their home country in certain medical situations.
Planned medical procedures not required due to an unexpected medical emergency.
Important note. Coverage, exclusions, limits and eligibility requirements may vary depending on the plan selected. Please review the policy wording and benefit details before purchasing coverage.
Deductibles
A deductible is the amount you agree to pay out of your own pocket before your insurance begins paying for eligible medical expenses. For example, with a $1,000 deductible and an eligible $5,000 claim, you pay the first $1,000 and the plan covers the remaining eligible amount according to the policy terms.
Lower Deductible
You pay less when you make an eligible claim, but the insurance premium may be higher.
Higher Deductible
You may pay more toward eligible medical expenses before coverage applies, but the premium may be lower.
No Deductible (if available)
The policy may cover eligible expenses from the first dollar, subject to policy limits and conditions.
Get a Quote
Ready to compare Super Visa Insurance options? Request a quote and a licensed advisor will follow up — or call us directly.
Monthly Payment Plans
Pay for your Super Visa Insurance monthly instead of the full premium upfront. Start by paying two months of premium in advance plus a one-time $50 setup fee. Your policy stays pending until your parent or grandparent arrives in Canada; once activated, monthly payments begin and the advance is applied to the final two months.
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1
Set up your payment plan
Pay the first two months of premium in advance, plus a one-time $50 processing fee to set up the plan.
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2
Policy remains pending
The policy remains pending until your parent or grandparent arrives in Canada. Coverage does not begin until it is activated.
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3
Confirm arrival before travel
Before the insured person arrives in Canada, contact Travel Shield to request policy activation.
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4
Policy activation
Once activated, the first monthly payment is processed and the two-month advance is applied as the final two monthly payments.
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5
Monthly payments begin
After activation, regular monthly payments continue according to the selected payment schedule.
Refunds
Depending on the situation and policy terms, customers may be eligible for a full or partial refund. Refund eligibility depends on the reason for cancellation, the policy effective date, any claims made and the terms outlined in the insurance policy.
Visa Refusal (before policy effective date)
If your Super Visa application is refused before the policy effective date, you may receive a 100% refund as per the policy wording. Proof of visa refusal may be requested.
Early Return to Home Country
If your parents return home before the policy expiry date, a prorated refund may be available for unused coverage, provided no claims were made. A copy of the boarding pass is required. An early-return fee of $50 applies.
Unused Coverage
If no claims have been made, refunds may be available for unused months of coverage, subject to policy terms and a $50 administration fee. Calculations are based on months used, not exact days.
Cancellation for Personal Reasons
A $250 cancellation fee applies. The remaining eligible amount is refunded according to policy terms. The $50 plan setup fee is non-refundable.
Refund calculation example. Refunds for early returns are based on months used, not individual days. For example, 5 months and 1 day — or 5 months and 29 days — is each counted as 6 months used. Refunds are subject to policy wording and provider approval.
Pre-existing Conditions
Depending on the plan selected, coverage for pre-existing conditions may be available if the condition meets the policy's eligibility requirements. A pre-existing condition may be considered stable when there have been no significant changes in the condition, treatment or health status before the policy effective date. A condition is generally considered stable when all of the following are met:
No new treatment prescribed or recommended, and no changes to existing treatment, including stopping a treatment.
No change in medication, including increasing or decreasing dosage, starting a new prescription, or any recommendation for new medication.
The medical condition has not become worse.
No new, more frequent, or more severe signs or symptoms related to the condition.
No hospitalization and no referral to a specialist related to the condition.
No medical tests, investigations, treatments or outstanding results that are incomplete or awaiting completion.
No scheduled, planned or pending medical treatment related to the condition.
Eligibility and coverage depend on the selected policy. This is general information, not medical advice.
Claims Process
If medical treatment is required during the stay in Canada, the claim process helps the insurer review the medical expenses and determine coverage according to the policy terms, conditions, benefits and exclusions.
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Medical Emergency
If you experience an illness, injury or medical emergency during your stay in Canada, seek medical attention when required.
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Contact the Claims Department
Contact the claims department before receiving treatment whenever possible. In a life-threatening emergency, notify them within 24 hours.
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3
Medical Treatment & Billing
For hospitalization or bills of $1,000 or more, direct billing may apply. For bills under $1,000, pay the provider first, then submit for reimbursement.
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4
Submit Claim Documents
Submit the required documents, including the claim form, medical bills and receipts, medical reports (if required) and any supporting documents requested by the insurer.
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5
Claim Review
The insurance provider reviews your claim based on the policy coverage, terms, conditions and eligibility.
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6
Claim Decision
Approved claims are processed according to the benefits and limits of your Super Visa Insurance policy.
Possible claim documents
- ✓ Claim form
- ✓ Medical bills and receipts
- ✓ Medical reports (if required)
- ✓ Supporting documents requested by the insurer
Why Travel Shield?
Travel Shield operates as a licensed insurance broker company under Mars Empire Group Inc. Our licensed representatives are authorized to assist customers with their insurance needs across Canadian provinces. Our products are underwritten by established insurance providers, including Starr Insurance & Reinsurance Limited (Canada Branch) and Berkley Canada.
Two plans to choose from
Super Visa Insurance offers plans with and without coverage of pre-existing conditions, so families can match coverage to their needs.
Pre-existing conditions
Travel Shield Super Visa Insurance Plans cover stable pre-existing health conditions, subject to policy terms and exclusions.
24/7 claims service
Claims service availability around the clock during your coverage period.
Early return refund
Early return refund available if no claim has been made on the policy, subject to a low admin fee.
Customer Stories
"I recently had a fantastic experience with Vanshikha at Travel Shield. She helped me navigate the different travel insurance options and provided personalized advice — prompt, knowledgeable and friendly. She made the entire process easy."
"Travel Shield offered very competitive prices, which made it an easy choice. Vanshikha provided excellent customer service — helpful and patient — and made the process smooth and stress-free."
Frequently Asked Questions
What is Super Visa Insurance?
Super Visa Insurance is medical insurance designed for parents and grandparents visiting Canada on a Super Visa. It helps cover eligible emergency medical expenses during their stay.
Why is Super Visa Insurance mandatory?
The Canadian government requires Super Visa applicants to have medical insurance that meets IRCC requirements. This helps protect visitors from unexpected healthcare costs while in Canada.
Who needs Super Visa Insurance?
Parents and grandparents applying for a Canadian Super Visa need Super Visa Insurance. It is required before their visa application can be approved.
Can I apply for a Super Visa without insurance?
No. Proof of eligible medical insurance is required as part of the Super Visa application process.
Is Super Visa Insurance different from Visitor Insurance?
Yes. Super Visa Insurance is specifically designed to meet IRCC's Super Visa requirements, while Visitor Insurance may have different eligibility and coverage options.
What are IRCC's insurance requirements for a Super Visa?
The policy must provide at least $100,000 in emergency medical coverage, be valid for one year, and meet IRCC eligibility requirements.
How long should Super Visa Insurance be valid?
The policy must be valid for at least one year from the date of entry into Canada to meet IRCC requirements.
Does IRCC accept monthly payment plans?
Yes, provided the insurance policy meets all IRCC requirements and remains valid according to the policy terms.
Can I buy Super Visa Insurance after arriving in Canada?
Super Visa Insurance should generally be purchased before travel so you can provide proof of coverage for your visa application.
What does Super Visa Insurance cover?
Coverage may include eligible emergency medical treatment, hospitalization, ambulance services and repatriation, depending on the policy.
Does it cover emergency hospitalization?
Yes. Eligible hospitalization expenses are typically covered according to the policy benefits.
Are ambulance services covered?
Emergency ambulance transportation may be covered when medically necessary.
Does coverage begin immediately after activation?
Coverage begins on the policy effective date once the policy has been activated.
What is not covered under Super Visa Insurance?
Routine checkups, cosmetic procedures, elective treatments and other excluded services are generally not covered.
Does it cover cosmetic surgery?
No. Cosmetic procedures performed for appearance-related reasons are generally not covered.
Can claims be denied?
Yes. Claims may be denied if they fall outside the policy coverage, exclusions or eligibility requirements.
Does Super Visa Insurance cover pre-existing conditions?
Some plans may cover pre-existing medical conditions if they meet the policy's stability and eligibility requirements. Coverage varies by insurer and policy.
What is considered a stable medical condition?
A stable condition generally means there have been no significant changes in symptoms, treatment, medication or overall health during the required stability period.
How long must my condition remain stable?
The required stability period depends on the insurance plan you choose. Always review the policy wording for specific requirements.
What is a deductible?
A deductible is the amount you pay before your insurance covers eligible medical expenses.
Does a higher deductible reduce my premium?
In many cases, yes. Choosing a higher deductible can result in a lower insurance premium.
Can I choose a zero deductible?
Some insurance plans may offer a zero-deductible option, subject to availability.
How does the monthly payment plan work?
You pay two months of premium in advance plus a one-time setup fee. Once the policy is activated, regular monthly payments begin.
Why do I pay two months in advance?
The advance payment is applied toward the final two months of your policy after activation.
Do I need to notify Travel Shield before arrival?
Yes. You must contact Travel Shield before arrival to activate the policy.
Will I receive a refund if my visa is refused?
You may be eligible for a refund if your visa is refused before the policy effective date, subject to policy terms. A 100% refund may be available when the required documentation is submitted.
Can I get a refund if my parents return home early?
A prorated refund may be available for unused coverage if no claims have been made and policy conditions are met.
Are setup fees refundable?
No. The monthly payment plan setup fee is non-refundable.
Do I need a boarding pass for an early return refund?
Yes. A copy of the boarding pass is generally required as proof of departure.
When should I contact the claims department?
Contact the claims department before receiving medical treatment whenever possible. In a life-threatening emergency where prior contact is not possible, notify them within 24 hours.
How does billing work?
For hospitalization or eligible bills of $1,000 or more, direct billing may apply. For eligible expenses below $1,000, you may need to pay the provider first and then submit documents for reimbursement.