Allianz Super Visa Insurance: Compare & Buy Online
Thinking about Allianz for your parents' or grandparents' Super Visa? Here's a plain-English look at what the plan covers, who qualifies, and where it fits next to other Canadian insurers. When you're ready, you can compare live prices and buy online on this page.
Live quotes · Buy online
Compare Allianz with other insurers and buy online
Your quote shows Allianz next to other Canadian insurers, all for the same age, deductible and coverage, so you can see the difference straight away. Pick the plan you like and pay online. The insurer emails your IRCC confirmation letter within minutes.
- Enter traveller date of birth
- Choose arrival date & deductible
- Compare Allianz & others
- Buy online, get your IRCC letter
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Prefer to talk it through? Call 289-643-6300 or WhatsApp 647-640-2222.
Quoted prices are estimates. The insurer's final premium and the policy wording apply.
The basics
What is Allianz Super Visa insurance?
"Allianz Super Visa insurance" means the Allianz Visitors to Canada plan, bought with the $100,000 emergency medical option for a full year. That's the minimum Immigration, Refugees and Citizenship Canada (IRCC) asks for when parents or grandparents apply for a Super Visa.
Your parents aren't covered by OHIP or any other provincial health plan while they visit. One night in a Canadian hospital can cost thousands of dollars, and a heart or stroke emergency can quickly run into six figures. This policy pays those emergency costs. It doesn't cover routine check-ups.
Allianz Global Assistance has served Canadian travellers for more than 30 years, and its claims and assistance centre is in Cambridge, Ontario. Most families choose Allianz because they know the name and like the clear refund rules. The price may still not be the lowest for your parent's age, which is why the quote tool above shows other insurers next to it.
Does Allianz meet IRCC's Super Visa rules?
| IRCC requirement | Allianz Visitors to Canada |
|---|---|
| Canadian insurance company | ✓ Underwritten by CUMIS General (The Co-operators group) |
| At least $100,000 emergency coverage | ✓ $100,000 option |
| Valid at least 1 year from entry | ✓ 365-day policy |
| Health care, hospitalization & repatriation | ✓ Included |
| Proof of payment | ✓ Confirmation letter emailed after purchase |
Benefits
What Allianz Super Visa insurance covers
Emergency costs are covered up to the $100,000 you choose. These are the main benefits families end up using. Exact limits are in the policy wording, and I'm happy to go through them with you.
Covered in an emergency
- Hospital stays, in a semi-private room
- Doctors, surgeons and anesthetists
- Lab tests, X-rays and other diagnostics a doctor orders
- Ground and air ambulance to the nearest suitable hospital
- Prescription drugs from an emergency, with a limited supply
- Emergency dental pain relief and dental work after an accident
- Emergency air transport home when medically needed
- A bedside companion's travel when the patient is hospitalized
- Return of remains, or burial or cremation in Canada
- Follow-up visits connected to the original emergency
- 24/7 multilingual assistance centre
Not covered (common exclusions)
- Pre-existing conditions that weren't stable for the required period
- Routine check-ups, ongoing treatment or elective procedures
- Travel to Canada to get medical treatment
- Pregnancy-related care
- Injury from high-risk or professional sports
- Alcohol or drug misuse, including misuse of medication
- Medical costs incurred in the home country
- Travel against a doctor's advice, or to places under a government "avoid all travel" warning
This is a summary only. The Allianz Visitors to Canada policy wording decides what is and isn't covered. Ask me for a copy before you buy.
Most asked question
Pre-existing conditions and Allianz's stability rule
Most parents applying for a Super Visa have something on file: blood pressure, diabetes, cholesterol, thyroid. Allianz can still cover these conditions, but only if they've been stable for a set time before the policy starts:
| Age on effective date | Stability period |
|---|---|
| 59 and under | 90 days |
| 60 to 89 | 180 days |
"Stable" means that during that window there was no new medication and no change in dose, no new symptoms or diagnosis, no hospital stay, no referral to a specialist, and no test results still pending. Switching from a brand-name drug to a generic at the same dose usually doesn't count as a change.
The most common reason a claim gets denied is a medication change three or four months before the trip that nobody mentioned. Use the checker to see where your parent stands. If it's close, call me before you buy. Another insurer may have a shorter stability period that fits better.
Stability period checker
For Allianz's Visitors to Canada plan. A guide only, not a guarantee of coverage.
Super Visa coverage date planner
Find out which dates your policy needs to cover and whether a waiting period applies.
Timing matters
Waiting periods and when to buy
For a Super Visa application, the policy has to cover at least one full year from the day your parent enters Canada. Most families buy it before the application goes in, set the start date to the expected arrival date, and change the date later if travel plans move.
If your parent is still overseas
Buy before they leave home and there's no waiting period. Coverage starts the moment they arrive.
If your parent is already in Canada
Allianz applies a 48-hour waiting period for sickness when the policy is bought after the traveller has left their home country. Accidental injuries are covered right away. In practice, buy as early as you can. Don't wait until someone feels unwell.
Side trips and visits home
Your parents can travel outside Canada during the policy as long as most of the coverage period is spent in Canada. A trip back to their home country won't cancel the policy, but medical costs incurred there aren't covered.
Before you pay
Refunds, cancellations and payment options
Visa refused?
If IRCC refuses the Super Visa, send the refusal letter to the insurer before the policy starts. You normally get a full refund. Keep a copy of the letter. You'll need it.
Going home early
Allianz refunds the unused days when the traveller returns home early, provided no claim has been made. Proof of return, such as a boarding pass or passport stamp, is usually required.
Monthly payments
IRCC needs proof the coverage is paid. Some insurers offer monthly plans that work for Super Visa applications, and each one has its own setup and cancellation fees. If spreading the cost matters to you, the quote tool shows which plans allow it.
Don't buy blind
Is Allianz the best Super Visa insurance for your parents?
For many families, Allianz is a solid pick. But no single insurer is cheapest for every age. At 62, one company can be hundreds of dollars cheaper. At 78, it can be another one. A parent with diabetes may be better off with an insurer whose stability rules suit them. One quote shows all of these side by side, and you can buy from any of them online.
Plan features change. The quote and the policy wording show the current details for each insurer.
Step by step
How to buy Allianz Super Visa insurance online
- Get a quote. Enter each traveller's date of birth, the arrival date and a deductible in the quote tool above.
- Choose your coverage. Pick $100,000 for 365 days, and decide whether you need cover for stable pre-existing conditions.
- Compare. Look at Allianz next to the other insurers for the same coverage. Check the deductible and the stability rules, not just the price.
- Buy online. Answer the eligibility questions honestly and pay by credit card.
- Download your IRCC letter. The confirmation, showing the coverage amount, dates and traveller names, arrives by email. Upload it with the Super Visa application.
Single or couple?
If both parents are coming, you can quote them together. Each person needs their own $100,000 of coverage, and each has their own premium based on age and health. Some insurers give a small discount on couple policies.
Choosing a deductible
The deductible is what you pay first on each claim. A $0 deductible means nothing out of pocket. A higher deductible lowers the premium, often by a fair amount for travellers over 70. Pick an amount you could comfortably pay in an emergency.
Need a hand?
Buying online takes about five minutes. If anything feels unclear, especially the medical questions, call or WhatsApp me first. A two-minute conversation can save you from a denied claim later.
Your advisor
Talk to a real person before you buy
I'm Pankaj Bhatia, a licensed financial advisor and insurance broker (PFA, CHS) with offices in Mississauga and Cambridge, Ontario. For 11 years I've helped families bring parents and grandparents to Canada. I compare Allianz with the other major insurers and explain the medical questions in plain language. I'm also here if you ever need to make a claim.
📞 289-643-6300 · 📱 647-640-2222 · ✉ Email me
FAQs
Allianz Super Visa insurance: frequently asked questions
Does Allianz offer Super Visa insurance?
Yes. Allianz Global Assistance offers Super Visa coverage through its Visitors to Canada plan. Super Visa applicants choose the $100,000 emergency medical option for a full year, which meets the IRCC minimum. The plan is administered by Allianz Global Assistance and underwritten by CUMIS General Insurance Company, a member of The Co-operators group.
Is Allianz Super Visa insurance accepted by IRCC?
Allianz's Visitors to Canada plan is issued by a Canadian insurer and can be bought with $100,000 of coverage for 365 days, which is what IRCC asks for. You also need proof the premium has been paid. Always submit the confirmation letter that shows the coverage amount, dates and traveller names.
What is the maximum age for Allianz Super Visa insurance?
Allianz issues Visitors to Canada coverage up to age 89 on the effective date. Older applicants usually face longer stability periods for pre-existing conditions, and some insurers may ask for a medical questionnaire, so it is worth comparing before you buy.
Does Allianz Super Visa insurance cover pre-existing conditions?
Yes, if the condition has been stable before the policy starts. Allianz generally requires 90 days of stability for travellers aged 59 and under and 180 days for travellers aged 60 to 89. Stable means no new treatment, no change in medication or dosage, no new symptoms or diagnosis, no hospital stay and no pending tests or specialist referrals during that window.
Is there a waiting period if my parents are already in Canada?
If the policy is bought before your parent leaves their home country, there is no waiting period. If it is bought after arrival, Allianz applies a 48-hour waiting period for sickness. Injuries from accidents are covered from the start.
Can I get a refund on Allianz Super Visa insurance?
If your parent returns home early, Allianz refunds the unused days, provided no claim has been made. If the Super Visa is refused, a full refund is normally available when you send the refusal letter. Refund rules and any admin fees are set out in the policy wording.
Can my parents travel outside Canada on Allianz Super Visa insurance?
Allianz allows side trips outside Canada as long as most of the coverage period is spent in Canada. Trips back to the home country do not end the policy, but medical costs incurred in the home country are not covered.
How much does Allianz Super Visa insurance cost?
The price depends on age, the deductible you pick, and whether you choose coverage that includes stable pre-existing conditions. Use the live quote tool on this page to see today's Allianz premium side by side with other Canadian insurers and buy online. For typical price ranges by age, see our Super Visa insurance cost guide.
Is Allianz the cheapest Super Visa insurance?
Not always. Allianz is a strong, well-known option, but premiums vary a lot by age and deductible, and a different insurer is often cheaper for the same coverage. Comparing several insurers for the same age, deductible and pre-existing condition option is the fastest way to find the best value.
Can I buy Allianz Super Visa insurance online?
Yes. Enter the traveller's date of birth, arrival date and deductible in the quote tool, choose Allianz or any other listed insurer, and complete the purchase online. The confirmation letter for IRCC is emailed to you right after payment.
More questions? See the full Super Visa & visitor insurance FAQ or read our complete Super Visa insurance guide.
Ready to bring your parents home?
Compare Allianz with Canada's leading Super Visa insurers, buy online and have your IRCC letter in your inbox today.
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