Super Visa Insurance for Parents and Grandparents
Medical insurance required for parents and grandparents applying for a Canadian Super Visa — helping cover unexpected medical expenses during their stay in Canada.
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Super Visa Insurance With Monthly Payments
Protect Your Parents or Grandparents Without Paying the Entire Premium UpfrontSuper Visa Insurance with monthly payments allows eligible families to arrange the required emergency medical insurance through an installment payment plan.
Your parent or grandparent still receives a policy designed to provide at least $100,000 in emergency medical coverage for a minimum of one year. The word "monthly" refers to how the premium is paid, not how long the insurance lasts.
Choose from emergency medical coverage without pre-existing-condition protection, coverage for certain stable pre-existing conditions, or Comprehensive coverage with additional health benefits.
Request a Monthly Super Visa Insurance Quote →What Is Monthly Super Visa Insurance?
Monthly Super Visa Insurance is a qualifying Super Visa medical insurance policy paid through an approved installment arrangement.
Instead of paying the entire annual premium at once, eligible customers can make a required initial deposit followed by scheduled payments according to the insurance payment agreement.
A monthly payment plan does not provide insurance one month at a time. The issued policy must still satisfy the applicable Super Visa requirements and remain valid for the required coverage period.
The exact deposit, number of installments, payment amounts, payment dates and applicable fees will be provided with the personalized quote and payment agreement.
Does IRCC Accept Super Visa Insurance Paid Monthly?
Immigration, Refugees and Citizenship Canada currently states that a qualifying Super Visa health insurance policy may be paid:
A quote by itself is not accepted. The applicant must have proof of an issued health insurance policy.
According to IRCC, the policy should:
Be valid for at least one year from the date of entry into Canada.
Provide at least $100,000 in emergency medical coverage.
Cover healthcare, hospitalization and repatriation.
Be paid in full or through installments with a deposit.
Be valid for every entry into Canada.
Include the name of the issuing insurance company.
Be available for review by a border services officer.
The insurance must be issued by a Canadian insurance company or a qualifying insurer outside Canada that meets IRCC's current requirements.
IRCC Super Visa health insurance requirementsWho Is Monthly Super Visa Insurance For?
Monthly Super Visa Insurance is intended for eligible parents and grandparents applying for or entering Canada under the Super Visa program.
It may be suitable for:
Insurance is only one part of the Super Visa application. The parent, grandparent and Canadian host must still meet all applicable IRCC requirements.
IRCC requirementsHow Does the Monthly Payment Plan Work?
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1
Request a Personalized Quote
Provide information about the parent or grandparent, including:
- Date of birth
- Expected date of entry or policy start date
- Contact information
- Canadian postal code
- Medical history
- Pre-existing medical conditions
- Preferred level of coverage
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2
Select the Appropriate Coverage Option
Choose from:
- No Pre-Existing-Condition Coverage
- Stable Pre-Existing-Condition Coverage
- Comprehensive Coverage
The right option depends on the applicant's age, medical history, stability of existing conditions and desired benefits.
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3
Review the Payment Agreement
Before purchasing, review:
- Required initial deposit
- installment amount
- Number of payments
- Scheduled payment dates
- Accepted payment methods
- Applicable processing or administration charges
- Rules for changing a payment method
- Consequences of a late or missed payment
- Cancellation and refund conditions
These details should come directly from the current quote or payment agreement. They should not be estimated from older website information.
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4
Purchase the Insurance Policy
The required deposit must be paid and the insurance policy must be issued. A preliminary quote does not satisfy IRCC's proof-of-insurance requirement.
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5
Submit Proof of Insurance
The issued insurance confirmation can be included with the Super Visa application. The parent or grandparent should also keep accessible proof of insurance when travelling to and entering Canada.
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6
Maintain the Payment Arrangement
Scheduled payments must be made according to the insurance agreement. The customer should understand how a missed payment could affect the policy before completing the purchase.
Compare the Coverage Options
All benefits are subject to eligibility, policy definitions, deductibles, exclusions, individual maximums, medical stability requirements and prior-approval provisions.
Monthly Super Visa Insurance Coverage
Emergency Hospital Accommodation
Eligible coverage may include:
- A semi-private hospital room
- Intensive care when medically necessary
- Emergency room charges
- Emergency outpatient services
The medical emergency must qualify under the policy.
Physicians and Medical Professionals
Eligible services may include emergency treatment provided by:
- A licensed physician
- A surgeon
- An anaesthetist
- A registered graduate nurse
Diagnostic Services
Eligible diagnostic services may include:
- Laboratory testing
- X-rays
- MRI scans
- CT or CAT scans
- Cardiac catheterization
- Sonograms and ultrasounds
- Biopsies
Certain diagnostic tests require approval before they are performed.
Emergency Prescription Medication
Prescription medication must be related to an eligible covered emergency.
For the No Pre-Existing-Condition option, the original Monthly page states that prescription coverage is limited to a 30-day supply and an overall maximum of $5,000 during the policy period.
For the Stable Pre-Existing and Comprehensive options, coverage is also limited to a 30-day supply, but separate per-prescription and per-claim limits apply. These limits should be confirmed in the current policy wording before purchase.
Medication taken regularly for the ongoing management of a medical condition should not automatically be assumed to be covered.
Follow-Up Medical Care
Travel Shield's original page states that a follow-up checkup may be covered after a medical emergency has ended. The circumstances, timing and maximum payable amount must be confirmed in the policy wording.
Private-Duty Nursing
All three coverage options provide up to $5,000 for a registered private-duty nurse when medically necessary because of a covered emergency.
The nursing care may be provided during hospitalization or instead of hospitalization, subject to the policy conditions.
Paramedical Services
Eligible treatment may be provided by a licensed:
- Chiropractor
- Physiotherapist
- Podiatrist
- Osteopath
- Acupuncturist
Maximums are applied separately to each listed profession:
- No Pre-Existing Coverage: up to $300 per insured person, per profession
- Stable Pre-Existing Coverage: up to $500 per insured person, per profession
- Comprehensive: up to $500 per insured person, per profession
Emergency Dental Treatment
Two different dental benefits may apply.
Accidental Dental Treatment
This benefit may help repair or replace sound natural teeth or permanently attached artificial teeth damaged by an accidental blow to the face.
- No Pre-Existing Coverage: up to $3,000
- Stable Pre-Existing Coverage: up to $3,000
- Comprehensive: up to $4,000
Emergency Dental Pain
This benefit is for emergency treatment to relieve dental pain not caused by an accidental blow to the face.
- No Pre-Existing Coverage: up to $300
- Stable Pre-Existing Coverage: up to $500
- Comprehensive: up to $500
These are separate benefit limits. The website should not advertise a general $5,500 dental maximum for the Monthly product unless that amount is confirmed in the current policy.
Medical Appliances
Eligible coverage may include minor medical appliances required because of a covered emergency, such as:
- Crutches
- Casts
- Splints
- Canes
- Slings
- Trusses
- Braces
- Walkers
- Temporary wheelchair rental
Temporary wheelchair rental cannot exceed the purchase price.
Ground Ambulance and Medical Transportation
Eligible transportation may include:
- Licensed ground ambulance
- Taxi transportation when covered
- Economy airfare to Canada or the country of origin
- A medical attendant on a commercial flight
- Additional airline seats when medically required
- Air ambulance transportation
Airfare, medical attendants, additional seats and air ambulance services require prior approval.
Emergency Air Transportation
Air ambulance transportation to the nearest appropriate medical facility may be covered when medically necessary and approved under the policy.
Transportation to the Bedside
This benefit may help an eligible family member travel to the insured parent's or grandparent's bedside during a qualifying medical emergency.
It may include eligible economy airfare plus daily expenses for meals and commercial accommodation.
- No Pre-Existing Coverage: up to $150 per day, maximum $1,500
- Stable Pre-Existing Coverage: up to $150 per day, maximum $2,500
- Comprehensive: up to $150 per day, maximum $5,000
Repatriation Benefits
If the insured person dies during the covered period, benefits may help with the preparation of remains or cremation and burial at the place of death.
Preparation of Remains
- No Pre-Existing Coverage: up to $10,000
- Stable Pre-Existing Coverage: up to $10,000
- Comprehensive: up to $15,000
Cremation or Burial at the Place of Death
- No Pre-Existing Coverage: up to $3,000
- Stable Pre-Existing Coverage: up to $5,000
- Comprehensive: up to $5,000
Meals and Accommodation
Following a qualifying covered emergency, eligible expenses may include:
- Commercial accommodation
- Meals
- Essential telephone calls
- Internet charges
- Bus or taxi fare
- Rental vehicle costs
Maximums are:
- No Pre-Existing Coverage: up to $150 per day, maximum $1,000
- Stable Pre-Existing Coverage: up to $150 per day, maximum $2,000
- Comprehensive: up to $150 per day, maximum $3,000
Hospital Allowance
This benefit can help with incidental expenses charged by the hospital, such as telephone, television or internet services.
- No Pre-Existing Coverage: up to $50 per day, maximum $250
- Stable Pre-Existing Coverage: up to $50 per day, maximum $500
- Comprehensive: up to $50 per day, maximum $500
Return and Escort of Dependent Children
Eligible economy airfare may be covered to return accompanying dependent children to their departure point if the insured person is returned to Canada or their country of origin.
Excess Baggage Return
All three options provide up to $500 toward eligible costs for returning the insured person's excess baggage.
Find the Right Monthly Super Visa Insurance Option
Protect your parent or grandparent with emergency medical insurance designed for their health needs and your family's budget.
Compare:
No Pre-Existing-Condition Coverage
Stable Pre-Existing-Condition Coverage
Comprehensive Coverage with exclusive additional benefits
Request a Monthly Super Visa Insurance Quote
Compare your coverage options and payment arrangement with a personalized quote.
Benefits Exclusive to Comprehensive Coverage
The following five benefits are only available under the Comprehensive option. They are not included under No Pre-Existing Coverage or Stable Pre-Existing Coverage.
Maternity Benefit
Comprehensive provides up to $5,000 for eligible expenses incurred in Canada relating to:
- Prenatal care
- Childbirth
- Miscarriage
- Postnatal care
- Associated complications
- Routine newborn nursing care for up to 14 days following birth
Maternity coverage remains subject to the policy's eligibility requirements, exclusions and benefit conditions.
Psychiatric and Psychological Care
Comprehensive provides up to $1,000 per insured person for eligible visits to a licensed:
- Psychiatrist
- Psychologist
- Social worker
The treatment must be for relief of acute symptoms and considered essential by the attending physician.
Vaccinations
Comprehensive provides up to $100 per insured person for eligible vaccinations during any 12-month period.
Routine Physical Examination
Comprehensive provides up to $250 per insured person for one routine examination by a physician during any 12-month period.
Eye Examination
Comprehensive provides up to $100 per insured person for one visit to a licensed optometrist during any 12-month period.
These benefits make Comprehensive different from the two emergency-focused coverage options. However, each benefit still has its own conditions and maximum.
Accident-Related Benefits
Accidental Death and Dismemberment
This benefit may apply to a qualifying loss of life, limb or sight resulting directly from an accidental injury.
- No Pre-Existing Coverage: up to $10,000
- Stable Pre-Existing Coverage: up to $50,000
- Comprehensive: up to $50,000
Exposure and Disappearance
The Stable Pre-Existing and Comprehensive options include provisions relating to qualifying losses caused by exposure following an accident or when the insured person's body has not been found within 52 weeks of the accident.
The applicable payment depends on the Accidental Death and Dismemberment provisions in the policy.
Flight Accident
The Stable Pre-Existing and Comprehensive options provide up to $50,000 for a qualifying accidental death resulting from an injury sustained while travelling as a fare-paying passenger during the coverage period.
This benefit is not available under the No Pre-Existing Coverage option.
Coverage for Pre-Existing Medical Conditions
A pre-existing medical condition is an illness, injury or medical condition that existed before the insurance effective date.
Coverage depends on:
No Pre-Existing-Condition Coverage
This option does not cover pre-existing illnesses, injuries or medical conditions, except where the policy provides otherwise for a qualifying minor ailment.
Stable Pre-Existing-Condition Coverage
For applicants up to age 70, an eligible pre-existing condition must have been stable for the 180 days before the effective date.
For applicants aged 71 to 80, the original page also states a 180-day stability period.
However, additional exclusions may apply to certain heart, brain and lung conditions, including conditions such as:
- Heart attack
- Angina
- Arrhythmia
- Cardiac surgery
- Stroke
- TIA or mini-stroke
- Aneurysm
- Seizure
- COPD
- Asthma
- Chronic bronchitis
- Emphysema
Applicants aged 71 to 80 should review the current policy wording carefully before relying on this option for one of these conditions.
Comprehensive Coverage
For applicants up to age 70, an eligible pre-existing condition must have been stable for the 120 days before the effective date.
For applicants aged 71 to 80, the condition must have been stable for the 180 days before the effective date.
The original page does not clearly explain pre-existing-condition coverage for applicants over age 80. Eligibility and coverage for those applicants must be confirmed during the quotation process.
What Does "Stable" Mean?
The policy's exact definition of "stable" must be reviewed before purchasing coverage.
A condition should not be assumed to be stable simply because the parent or grandparent feels well. Depending on the policy, stability can be affected by:
The definition contained in the issued policy always governs.
Medical Eligibility Questions
The monthly insurance application may ask about:
All questions must be answered completely and accurately. Incorrect or incomplete information could affect eligibility and whether a future claim is covered.
What Does $100,000 of Coverage Mean?
The required $100,000 represents the maximum amount available for eligible covered medical expenses. It does not mean that every expense will automatically be paid or that the insured person will receive $100,000.
Before an expense can be covered:
Customers should compare the benefits, deductibles, exclusions and pre-existing-condition provisions, not only the premium.
Start-Date Changes and Refunds
Changing the Effective Date
Travel Shield allows customers to choose the policy start date and change it before the coverage begins.
This can be helpful if the visa decision or travel date changes.
Visa Refusal Refund
Travel Shield states that a 100% refund is available if the visa is not granted before the policy effective date.
Required documentation and payment-plan conditions should be confirmed before cancellation.
Early Return Refund
A prorated refund may be available if the parent or grandparent returns home earlier than expected, provided no claim has been made under the policy.
For insurance paid through installments, the customer should confirm:
- How the refund will be calculated
- Whether any fees are refundable
- Whether future payments will be cancelled
- What proof of early return is required
Frequently Asked Questions
IRCC permits qualifying Super Visa insurance to be paid through installments with a deposit. The applicant must have an issued policy. A quote alone is not accepted.
No. The insurance must still be valid for at least one year from the date of entry. Monthly refers only to the payment arrangement.
The required deposit is not clearly published on the original page. It must be provided with the current personalized quote.
The payment schedule depends on the arrangement offered with the policy. The customer should review the number and amount of payments before purchasing.
The current customer-facing page does not clearly confirm the applicable fees. Any fee must be disclosed in the current quote or payment agreement before the policy is purchased.
The consequences of a missed payment depend on the insurance and payment agreement. Customers should confirm the grace period, payment-retry process and possible effect on coverage in writing.
Certain stable pre-existing conditions may be covered under the Stable Pre-Existing or Comprehensive option. Stability periods, age limits and exclusions apply.
No. Maternity, psychiatric or psychological care, vaccinations, routine physical examinations and eye examinations are available only under Comprehensive, subject to the stated limits and policy conditions.
Yes. Travel Shield states that the effective date can be changed before coverage begins.
Travel Shield states that a full refund is available when the visa is not granted before the policy effective date.
A prorated refund may be available if the parent or grandparent returns early and no claim has been made. Payment-plan conditions may apply.
No. Comprehensive describes the level of benefits. Monthly describes the payment arrangement. Comprehensive coverage may be purchased through an available installment arrangement when offered and when the applicant qualifies.