Insurance for Parents & Grandparents Visiting Canada.

Yes. Every applicant must provide proof of a qualifying private health insurance policy. A quote alone isn't enough — the policy must be issued and paid in full or through an approved instalment arrangement with the required deposit.

The policy must provide at least $100,000 in emergency medical coverage, stay valid for at least one year from the date of entry, cover healthcare, hospitalization, and repatriation, be paid in full or through instalments with a deposit, and be available for review by a border services officer.

Cost depends on the applicant's age, coverage amount, deductible, medical history and pre-existing conditions, required stability period, travel dates, payment method, chosen insurer, and whether it's single or couple coverage. Contact us for a personalized comparison.

Yes. We work with insurers that offer monthly payment options. The initial payment normally includes about two months of premium plus a one-time setup fee, typically $50–$120, with the remaining premium collected through scheduled monthly payments.

Yes, we work with insurers that offer coverage for qualifying stable pre-existing conditions. Eligibility depends on the condition, the applicant's age, treatment and medication history, the required stability period, and the medical questionnaire answers.

The exact definition varies by insurer, but a condition generally must stay unchanged through the required stability period — with no new diagnosis, new or worsening symptoms, hospitalization, treatment or medication changes, pending tests, or specialist referrals during that time.

Coverage can include emergency hospitalization, physician and surgeon services, diagnostic testing, ambulance transportation, emergency prescriptions, emergency and accidental dental treatment, follow-up visits tied to a covered emergency, repatriation, and emergency-assistance services — always subject to the policy's limits and conditions.

Common exclusions include routine or preventive care, planned or non-emergency treatment, unstable pre-existing conditions, treatment that can reasonably wait until the person returns home, certain high-risk activities, alcohol- or drug-related incidents, pregnancy or childbirth outside limited benefits, and expenses incurred during a waiting period or after the policy expires.

The policy should normally begin on the visitor's expected date of entry into Canada, and it must stay valid for at least one year from that entry date to meet IRCC requirements.

Yes, we can help request a change to the policy's effective date before the original start date and before the applicant arrives in Canada. The premium may change based on the visitor's age, medical condition, and new travel dates, and the change only applies once the insurer approves it.

Many insurers offer a refund when the Super Visa application is refused, provided written proof of refusal is submitted, the policy hasn't been used or claimed against, and the cancellation request is submitted within the required period. Setup or administrative fees may still be non-refundable.

We typically need the applicant's personal details, travel dates and length of stay, desired coverage amount and deductible, payment preference, and medical history including any conditions, medications, or pending tests. The exact list depends on age, health, and the chosen insurer.

No. Purchasing insurance satisfies one requirement of the application but doesn't guarantee approval or entry into Canada. IRCC makes the final decision, and the applicant must meet all immigration, income, relationship, medical, and admissibility requirements.