Super Visa and visitor medical insurance, compared in seconds.
Bringing your parents to Canada? Compare emergency medical insurance from more than a dozen Canadian insurers, then let a licensed advisor explain the fine print in plain words — before you pay.
- ✓ IRCC-compliant Super Visa plans
- ✓ Pre-existing condition options
- ✓ Monthly payment plans
- ✓ Refund if the visa is refused*
*Subject to each insurer's refund rules and proof of refusal.
Get an instant quote
Enter the traveller's age, coverage amount and dates — prices from multiple insurers appear in seconds.
Quotes are estimates based on each insurer's current rates. The insurer's policy wording and final rate always apply.
Medical and life protection for the whole family
Most families come to us for one thing — insurance for visiting parents — and stay because the same advisor can help with everything else.
Super Visa Insurance
The mandatory $100,000+ policy for parents and grandparents on a Super Visa, valid for at least a year.
Learn more →Visitors to Canada Insurance
Short or long stays for tourists, relatives, new immigrants waiting for provincial cover and returning Canadians.
Learn more →International Student Insurance
Fill the gaps school plans and provincial waiting periods leave — and cover a spouse or children too.
Learn more →Term Life Insurance
Affordable protection for the years your family depends on your income and your mortgage is biggest.
Learn more →Whole Life Insurance
Lifelong coverage with cash value — for estate planning, final expenses and leaving a legacy.
Learn more →Critical Illness Insurance
A tax-free lump sum if you're diagnosed with cancer, a heart attack, stroke or another covered illness.
Learn more →Covered in three simple steps
Compare
See prices from several insurers side by side for your parents' ages, coverage amount and deductible.
Confirm
Pankaj checks the medical questions, stability periods, deductible and refund rules with you, so the policy pays when it matters.
Get covered
Your policy and visa confirmation letter arrive by email — usually the same day — ready for the IRCC application.
What does a Super Visa insurance plan cover?
Quick answer
IRCC requires at least $100,000 of emergency medical coverage, valid for at least one year from entry, covering health care, hospitalization and repatriation, from a Canadian insurer or an OSFI-authorized foreign insurer. It can be paid in full or in monthly instalments with a deposit.
- Emergency hospital stays
- Doctor and walk-in clinic visits
- Lab tests, X-rays and diagnostics
- Prescription drugs (emergency)
- Ground and air ambulance
- Emergency dental for accidents and pain relief
- Return of remains (repatriation)
- Side trips outside Canada (plan-dependent)
- 24/7 multilingual assistance line
- Stable pre-existing conditions (optional)
Benefits, limits and stability rules vary by plan and age. The policy wording always decides what's paid — Pankaj walks you through it before you buy.
Good to know: the two choices that move the price most are the deductible and whether you include pre-existing conditions. Our Super Visa insurance cost guide shows how each choice changes what you pay.
Plans from Canadian travel-medical insurers
Instead of calling a dozen companies, you see their prices in one table — and get an honest view of how each one handles claims.
- Secure Travel (RIMI)
- Manulife
- TuGo
- Allianz Global Assistance
- GMS
- 21st Century
- Destination Travel
- Travelance
- JF Insurance
- TravCare
- AwayCare
- MSH Discover Canada
- Trustone Health
- 2 Visit Canada
Secure Travel by RIMI — underwritten by Lloyd's
Super Visa and visitor plans with monthly payment options and a 10-day cooling-off period. Ask Pankaj whether it suits your parents' ages and health history.
Plan availability depends on the traveller's age, health questions and province. Names are trademarks of their owners.
Changes families are asking about
New Super Visa income rules
Since March 31, 2026: a two-year lookback, and your parent's pension can count once you reach 75%.
Read more →PGP paused on July 15
New Parents and Grandparents Program applications are on hold. Here's what that means for your family.
Read more →What a hospital visit costs visitors
Real 2026 Ontario rates: ward beds from about $2,800 to $4,100 a day for non-residents.
Read more →
Pankaj Bhatia, PFA, CHS
- PFA — Professional Financial Advisor
- CHS — Certified Health Insurance Specialist
- 11 years in financial services
- Licensed in 7 provinces
For more than a decade, Pankaj has helped families bring parents and grandparents to Canada without surprises. He reads the fine print so you don't have to — stability periods, deductibles, side-trip rules, refund conditions — and tells you plainly which plan fits your family and why.
He also advises on term life, whole life and critical illness insurance, so the same person who protects your visiting parents can help protect your own household.
Families trust Pankaj Bhatia
Frequently asked questions
What is emergency medical insurance for visitors to Canada?
It's private insurance that pays for unexpected medical care while someone is in Canada without provincial health coverage — hospital stays, doctor visits, tests, prescriptions and ambulance. Provincial plans like OHIP don't cover visitors, and one night in a Canadian hospital can cost several thousand dollars.
Is Super Visa insurance mandatory?
Yes. IRCC requires proof of private medical insurance with at least $100,000 of emergency coverage, valid for at least one year from the date of entry, covering health care, hospitalization and repatriation. It must come from a Canadian insurer or an OSFI-authorized foreign insurer. See the full Super Visa insurance requirements.
How fast can I get a quote?
Instantly. Enter the traveller's age, coverage amount and dates in the quote tool and you'll see prices from several insurers side by side. Most families have their policy and visa confirmation letter the same day.
Can my parents get coverage for pre-existing conditions?
Often, yes — if the condition has been stable for the period the plan requires, usually 90, 180 or 365 days depending on the insurer and age. Plans with pre-existing cover cost more, so it's worth getting the medical questions right. Read how stability periods work.
What happens if the visa is refused?
Most insurers refund the full premium when you send the refusal letter before the policy starts. If your parents come home early, you can usually get a partial refund for unused months as long as there were no claims, less an admin fee. Details in our refund guide.
Do you charge a fee for advice?
No. You pay the insurer's premium — the same price as buying direct. Pankaj is paid by the insurer, so the advice, comparison and claim help cost you nothing extra.
Not sure which plan fits?
Talk it through with a licensed advisor. No pressure, no obligation — just clear answers.