Coverage requirements
| Requirement | Detail |
|---|---|
| Minimum coverage | The minimum emergency medical coverage amount set by the program. The current amount is published on the IRCC website. |
| Validity | Valid for at least one year from the date of entry. |
| Continuity | Coverage must be continuous for the duration of the stay. |
| Reason | Provincial health plans such as OHIP do not cover visitors. |
What affects the cost
The premium depends on the visitor's age and health, the coverage amount chosen, and the deductible.
Choosing a higher deductible generally lowers the premium, in exchange for paying more out of pocket if a claim is made.
Many policies can be paid monthly rather than as a single annual payment.
Refunds and pre-existing conditions
Many policies refund the premium, sometimes minus an administration fee, if the visa application is refused and no claim has been made. Refund terms vary by insurer.
Coverage of pre-existing conditions varies by policy, age, and health. Some plans cover stable pre-existing conditions; others exclude them or charge a higher premium.
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Book my free review →Frequently asked questions
Is Super Visa insurance mandatory?
Yes. Proof of medical insurance meeting the program's minimum coverage amount, valid for at least one year and continuous, is a condition of the Super Visa. Visitors are not covered by OHIP.
Can Super Visa insurance be paid monthly?
Many insurers offer monthly payment plans in addition to a single annual premium.
What happens if the Super Visa is refused?
Many policies refund the premium, sometimes minus an administration fee, if the application is refused and no claim has been made. Terms vary by insurer.
Are pre-existing conditions covered?
It depends on the policy, the applicant's age and health. Some plans cover stable pre-existing conditions; others exclude them or charge more.
Related pages
This page is for general educational purposes only and does not constitute personalized financial, tax, legal or accounting advice. Figures, limits and coverage ranges are illustrative and change over time - verify current terms before acting. Insurance and registered-account eligibility is subject to underwriting and government rules. Compensation is disclosed in writing before any application is signed. Neelesh Kumar is a Licensed Life & Health Insurance Agent regulated by FSRA - verify at fsrao.ca. © 2026 Wealthready · FinanceWithNeelesh · Kitchener, Ontario.