Super visa medical insurance: the compliance rules, plainly

To sponsor a parent or grandparent on Canada's super visa, they need private medical insurance that meets IRCC's rules. Get these wrong and the visa is refused.

The requirements (2026)

• Minimum coverage: CAD $100,000 in emergency medical coverage.
• Valid for at least one year from the date of entry.
• Must cover healthcare, hospitalization, and repatriation — all three.
• Insurer: a Canadian insurance company, or — since a 2022 change that made the super visa more accessible — a foreign insurer authorized by Canada's Office of the Superintendent of Financial Institutions (OSFI) to provide accident and sickness insurance.
• Proof: a policy or certificate showing the insured's name (matching the passport), policy number, coverage amount, coverage period, provider, and confirmation it meets the above.

Practical tips

Buy from a provider experienced with super visa policies; confirm the policy explicitly names the $100,000 minimum, the one-year term, and repatriation; and keep the certificate handy for the application. Coverage can often be paid monthly, and some policies refund the balance if the visa is refused — ask.

Verified July 2026 against IRCC guidance. Immigration rules change — confirm current requirements on canada.ca before applying.