Canadian Super Visa Medical Insurance: Complete Policy Requirements
If you are planning to bring your parents or grandparents to Canada under the Super Visa program, proving adequate medical coverage is a mandatory step for approval. Immigration, Refugees and Citizenship Canada (IRCC / formerly CIC) enforces strict guidelines to ensure visitors are fully protected against unexpected healthcare costs.
Key Mandatory Features of a Super Visa Insurance Policy
To satisfy immigration requirements, your purchased private medical insurance policy must meet the following exact criteria:
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Minimum Coverage Limit ($100,000+): The policy must provide a minimum of $100,000 in emergency medical coverage. Given how high Canadian healthcare costs can be, this ensures financial security for unexpected medical events.
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1-Year Minimum Validity: The insurance must remain valid for at least 1 year starting precisely from the date of the applicant’s entry (landing) in Canada.
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Canadian Insurance Issuer: The policy must be issued by a Canadian insurance company (foreign policies from international providers are generally not accepted by IRCC).
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Comprehensive Scope of Care: The plan must explicitly cover health care, hospitalization, and repatriation (including coverage for medical evacuation or the return of mortal remains back to the home country).
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Guaranteed 100% Return of Premium: The policy must include a clause guaranteeing a full, 100% refund of the premium in the event that the Super Visa application is officially denied by immigration authorities.
