What it must cover
| 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 | Continuous for the duration of the stay. |
Why it is required
Foreign visitors are not covered by provincial health plans such as OHIP. The insurance requirement ensures a visiting parent or grandparent can pay for emergency medical care without relying on the public system.
What affects the cost
The premium depends on the visitor's age and health, the coverage amount chosen, and the deductible. A higher deductible generally lowers the premium.
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Book my free review →Frequently asked questions
How much Super Visa insurance is required?
The minimum emergency medical coverage amount set by the program, valid for at least one year from entry and continuous for the stay. The current amount is published on the IRCC website.
Why is insurance required for a Super Visa?
Visitors are not covered by provincial health plans such as OHIP, so private medical insurance is required to cover emergency care.
Can the policy be paid monthly?
Many insurers offer monthly payment plans in addition to a single annual premium.
Does it cover pre-existing conditions?
Coverage of pre-existing conditions varies by policy, age and health. Some plans cover stable 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.