Super Visa insurance
Bring your parents home. We'll handle the insurance.
Every Super Visa needs private medical insurance before it's approved. Compare plans that meet IRCC's rules, see real prices by age, and get a full refund if the visa is refused.
Which plan fits your parents?
Start with their health and age.
The right Super Visa plan depends mostly on two things: whether your parent has any medical history, and how old they are.
No ongoing medical conditions
- A plan without pre-existing condition cover costs the least
- TuGo Basic and GMS were the lowest prices we found
- Check the health questions carefully before you choose
Blood pressure, diabetes, heart
- Choose a plan that covers stable pre-existing conditions
- GMS: stable 180 days, any age. TuGo Comprehensive: 120 to 365 days by age
- Any change in medication during that time means not stable
Older parents and grandparents
- Prices rise quickly after 70, so compare before you buy
- GMS sells to age 79; ask us about parents 80 and over
- Health questions start at 55 (GMS) or 60 (TuGo)
Mom and dad together
- Each parent needs their own coverage on the policy
- Ages and health can differ, so each is priced on their own
- Buy both on one quote so the dates match
Compare, then quote
Compare Super Visa insurance, then quote.
Real prices for one year of $100,000 coverage with a $0 deductible, the IRCC minimum. Pick an age to see how our insurers compare.
Real quotes, side by side. Prices checked November 6–11, 2026
Parent or grandparent visiting BC on a Super Visa, age 65, 1 year, $100K emergency medical (the Super Visa minimum), $0 deductible.
TuGo BasicVisitors to Canada, Super Visa · No cover for pre-existing conditions$2,149.85Get my price- TuGo ComprehensiveVisitors to Canada, Super Visa · Covers stable pre-existing conditions$3,147.03Get my price
Allianz Global AssistanceSuper Visa Essentials · No cover for pre-existing conditions$3,244.85Get my price
Illustrative prices from each insurer's public quote tool, checked November 6–11, 2026, for one healthy non-smoking traveller on the trip described above. Plans differ in what they cover, so check the plan details before you buy. Travellers 60 and over answer health questions, which can change the price. Rates change often and are not an offer of insurance. We are paid by the insurers you can buy through us: GMS, TuGo and Allianz.
Who to quote with, and why
TuGo
- Basic: the lowest price we found at ages 65 and 75
- Comprehensive: covers stable pre-existing conditions
- Up to $300,000 if you want more than the minimum
GMS
- Lowest price at age 55
- Covers stable pre-existing conditions (stable 180 days)
- Super Visa setting fills in the IRCC minimums for you
Allianz
- Super Visa Essentials meets the IRCC rules
- Covers no pre-existing conditions at all
- Cost more than TuGo Basic and GMS at every age we checked
Prices from each insurer's public quote page on November 11, 2026, for a healthy non-smoker coming from India to BC. Your price depends on age, health answers and options.
What's included
What Super Visa insurance covers.
Emergency medical care in Canada, the three things IRCC asks for (health care, hospitalization and repatriation), and help 24/7.
- Hospital stays and emergency treatment
- Doctors, tests, x-rays and lab work
- Prescription drugs for an emergency
- Ambulance, including air ambulance when approved
- Repatriation: getting home for care, or return of remains
- Emergency dental after an accident
- Side trips outside Canada on comprehensive plans
- Stable pre-existing conditions on the right plan
Worth adding when you quote
Choices you'll make on the quote.
These decide your price and what's covered. Here's how to choose each one for a Super Visa.
Coverage amount
$100,000 is the minimum IRCC accepts. Hospital care for visitors is costly, so many families choose $150,000 or more for older parents.
Pre-existing conditions
If your parent takes any medication or sees a doctor for an ongoing condition, choose a plan that covers stable pre-existing conditions.
Deductible
A deductible lowers the price. Keep it to an amount your family could pay at the hospital without stress.
Start date
Set coverage to start the day your parent arrives in Canada, and cover at least 365 days from that date.
Monthly payments
IRCC accepts monthly instalments with a deposit, if the insurer offers them. Ask us which plans do before you apply.
Renew every year
A Super Visa lets parents stay up to 5 years at a time. Their insurance must stay in force, so renew it before it ends.
Before you buy
IRCC's insurance rules.
Immigration, Refugees and Citizenship Canada checks your parent's insurance before it approves a Super Visa. The policy must:
- Give at least $100,000 in emergency medical coverage.
- Be valid for at least one year from the date your parent enters Canada.
- Cover health care, hospitalization and repatriation.
- Come from a Canadian insurer, or a foreign insurer authorized by Canada's financial regulator (OSFI).
- Be paid in full, or in instalments with a deposit paid.
- Show your parent's name and the insurer on the certificate you send with the application.
Your quote, step by step
Every screen you'll see, in order.
The Super Visa quote at GMS and TuGo asks much the same things. Here's what to choose.
- 1
Say it's for a Super Visa
GMS asks this first and sets $100,000 and a full year for you. At TuGo, pick your parent's home country, the province they'll stay in and 365 days.
- 2
Arrival date and birthdate
Coverage starts the day your parent lands. Add both parents on one quote if they're travelling together.
- 3
Health questions
From age 55 at GMS and 60 at TuGo, a few health questions set the price. Answer them with your parent, carefully.
Tip: A wrong answer can mean a claim isn't paid. At TuGo it adds a US$15,000 deductible to every claim.
- 4
Pick your plan
Basic or a plan without pre-existing cover costs less. Choose one with stable pre-existing condition cover if your parent has any medical history.
- 5
Pay and download the certificate
Your policy arrives by email in minutes. Send the certificate with the Super Visa application.
What happens after you buy
One email. Everything you need.
Minutes after you pay, your insurer emails your policy. Here's what you'll get, and what to do with it.
Policy confirmation
Your policy number, dates, who's covered, the plan and options you chose, and what you paid. Keep it; it's also your receipt.
Wallet card
Your insurer's 24/7 emergency number and policy number. Save it to your phone before you leave.
Policy Wording
The full contract. Read it before you travel — especially the exclusions and the pre-existing condition rules.
Included free
- An online account to change, extend or claim
- 24/7 emergency assistance
- Extras vary by insurer: TuGo adds an eSIM and flight-delay perks
Short free-look period. Change your mind? Most insurers refund in full if you cancel soon after buying (often 10 days), as long as you haven't travelled or claimed.
Save the emergency number now. It's on your wallet card. Call before you're treated whenever you can.
Check every detail. Names, birthdates and dates must be right. Call your insurer (numbers in our footer) if anything needs fixing.
Good to know
Common questions
What if the Super Visa is refused?
When should I buy Super Visa insurance?
Are pre-existing conditions covered?
Can I pay for Super Visa insurance monthly?
How long can my parents stay?
Is Super Visa insurance the same as visitor insurance?
Researched. Proven. Trusted.
Let's get your parents here.
Compare GMS, TuGo and Allianz above and get your price in minutes. Questions about IRCC's rules? Ask us, in English or French.