Compare live quotes for Super Visa Insurance from Canadian insurers
I'm Pankaj Bhatia. Use the form on this page to price Super Visa, visitors, travel, student, life or critical illness insurance, buy online when you're ready, and call me when a medical question or the fine print gets in the way.
- The insurer's own price, the same as buying direct, and no fee for my advice
- Proof of insurance for IRCC by email, usually minutes after you pay
- Help at claim time from me, not a call centre script
Who I help, and how I get paid
I'm Pankaj Bhatia, PFA, CHS, an independent insurance broker with Insure In Canada Inc. In 11 years in Canadian financial services I have arranged more than 5,000 Super Visa and visitors policies and more than 1,250 life insurance policies. Most of the people I work with are families bringing a parent or grandparent to Canada, and later the same families protecting their own income and mortgage. You buy at the insurer's regular price and I don't charge for advice. The insurer issues the policy and decides any claim. My part is helping you pick the right plan and standing next to you when you need to use it.
Page updated November 11, 2026.
Bringing your parents on a Super Visa? Start with what IRCC checks
The policy has to pass four tests
A Super Visa lets a parent or grandparent stay in Canada for up to five years at a time, which is why IRCC asks for private medical insurance before it issues one. The officer looks for at least $100,000 of emergency medical coverage for each person, valid for 365 days from the day your parent enters Canada, from a Canadian insurer (or a foreign one IRCC has approved), and paid either in full or monthly with a deposit. A quote does not count. The officer wants the policy itself. The Super Visa insurance requirements page goes through each test with a checker you can run on a policy you already have.
Insurance is only half the file. As the host you also need income at or above the minimum for your family size, and the parents you invite count in that size. On the 2026 table, a host living alone who invites one parent is a household of two and needs $38,002. A couple with two children inviting both parents is a household of six and needs $72,560. Since March 31, 2026 there are two ways to qualify: meet the full amount yourself in either of the last two tax years, or reach at least 75% of it and let your parents' own foreign income cover the rest. The income requirements guide has the whole table. For everything else, from city pages to insurer reviews, start at the Super Visa insurance hub.
Most calls I get at this stage come down to three questions. Will Dad's diabetes or blood pressure pills be covered? Can we pay the year monthly? What happens to the money if the visa is refused? Each one has its own page: pre-existing conditions, monthly payment plans and refunds after a refusal.
From quote to policy in three steps
Price it yourself
Enter the age, travel dates and coverage once. Prices from several Canadian insurers show up side by side, and you don't need to give an email address to see them.
Ask me before you pay
If a medical question, the deductible or the stability period isn't clear, call or WhatsApp me at 647-640-2222. Ten minutes on the phone now is better than a refused claim later.
Buy, then keep my number
Pay in full or monthly and the policy arrives by email the same day. When you need a date change, a renewal, a refund or a claim, I help you deal with the insurer.
What a year of Super Visa insurance costs by age
Age moves the price more than anything else, then health, the deductible and the amount of coverage. The ranges in the table come from published Canadian quotes for one person with $100,000 of coverage, a $0 deductible and no pre-existing condition cover.
- A $1,000 deductible typically lowers the price by about 18–22%.
- Covering stable pre-existing conditions typically adds 20–50%.
- Starting before a birthday at 65, 70, 75 or 80 can keep the lower age band.
Parents are priced one at a time, because the $100,000 minimum applies to each person. If your mother is 67 and your father is 72, add their two bands together: roughly $4,191 to $6,701 for the year, before any pre-existing condition cover. Paying that monthly spreads it out, though some insurers add a setup fee, so compare the total and not only the monthly figure.
| Age of parent | 12-month premium | About per month |
|---|---|---|
| Under 50 | $1,015 – $1,595 | $85 – $133 |
| 50–59 | $1,156 – $1,602 | $96 – $134 |
| 60–64 | $1,156 – $1,799 | $96 – $150 |
| 65–69 | $1,621 – $2,405 | $135 – $200 |
| 70–74 | $2,570 – $4,296 | $214 – $358 |
| 75–79 | $2,920 – $5,533 | $243 – $461 |
| 80–84 | $4,349 – $6,667 | $362 – $556 |
Published Canadian market quotes, October 11, 2026. Estimates, not quotes; final prices depend on the insurer and the medical questions.
Six Super Visa insurance mistakes I would rather you avoid
These are the problems I run into most often when families call me with a policy that has already gone wrong. Every one of them is avoidable before you pay.
- Starting the policy on the wrong day. IRCC counts the 365 days from your parent's entry into Canada, so the start date should match the planned arrival. If the flight moves, many insurers let you change the start date before the policy begins. Ask before you buy, not after.
- Answering the medical questions from memory. A new pill, a changed dose or a test the doctor ordered during the stability period can matter. Sit down with your parent's prescriptions and recent reports before you fill in the form, because a wrong answer can give the insurer a reason to deny a claim.
- Buying the cheapest plan without reading the pre-existing condition wording. The lowest price often excludes pre-existing conditions entirely. For a parent with diabetes or heart trouble, that can leave the most likely emergency uncovered.
- Taking a large deductible to save money without knowing how it applies. Some plans charge it once per sickness or injury, others per claim. The saving is real, but so is the cheque you write at the hospital.
- Assuming the refund after a refusal is automatic. You need the official refusal letter, the policy must not have started, and there can be no claims. Some insurers also keep an administration fee. The refund guide shows each insurer's rules.
- Letting the cover end while your parent is still here. If they stay past the first year, renew or extend before the policy runs out. A gap can mean new medical questions, and a problem that started in the first year can count as pre-existing in the second.
If you do need to claim, call the insurer's assistance line first, before treatment if you can, then send the bills and reports. The Super Visa claim process page lists what each insurer asks for. Visiting for a few weeks or months rather than on a Super Visa? The visitors insurance hub covers shorter trips, where insurance is optional but a hospital bill is not.
Life and critical illness insurance for the family doing the hosting
The other half of my work is for the people who sign the invitation letter. Many of them are paying a mortgage, raising children and sending money home at the same time. If one income stopped, none of those bills would.
Term life insurance covers you for a set number of years, usually the years of the mortgage and the children at home, and gives the most coverage for each premium dollar. Most term plans can be converted to permanent coverage later without a new medical, which matters if your health changes. Whole life insurance, including participating (par) whole life, lasts for life with level premiums and builds cash value. Families use it for final expenses, to leave money to children, or to pay the tax on an estate. Universal life insurance also lasts for life, but you decide how much to deposit and how the savings inside the policy are invested. After par whole life it is the plan I like most, and I often show clients the two side by side. Whichever you choose, the death benefit is paid tax-free to a named beneficiary.
Critical illness insurance pays a tax-free lump sum if you are diagnosed with a covered illness such as cancer, a heart attack or a stroke and survive the waiting period. Life insurance helps the family if you die. Critical illness insurance helps if you live but can't work for a while, and you can spend it on anything.
How much coverage? Add up the income your family would need for the years they depend on you, the mortgage and other debts, education goals and final expenses, then take off savings and any coverage you already have. Coverage through work usually ends when the job does, so I don't count on it alone. The how much life insurance do I need guide explains each line, and the needs calculator gives you a number in a few minutes.
For life, critical illness and health coverage I compare iA Financial Group, Empire Life, Foresters, Co-operators, Wawanesa, BMO Insurance, Equitable Life, Assumption Life, Manulife, RBC Insurance, Canada Life, Sun Life, Canada Protection Plan, Desjardins, Beneva, Humania Assurance, UV Insurance and Blue Cross. One application, several prices, and I tell you why I'd pick one over another. Start a life insurance quote.
Where I work and who I can help
My offices are at 205-5250 Solar Drive in Mississauga and 206-460 Hespeler Rd in Cambridge. Most clients never need to visit: we go through the quote by phone, WhatsApp or video call, and the policy arrives by email. I'm licensed in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia. I'm not licensed in Quebec, but if you live in Quebec you can still call me and I will arrange the policy for you. You can learn more about me and my designations, or contact me for an appointment.
For visitors and newcomers I arrange Super Visa insurance, visitors medical insurance, international student insurance and new immigrant coverage for the wait before a provincial health card starts. Canadians heading abroad can compare travel insurance, since a provincial plan pays only a small part of a hospital bill outside Canada.
For your own family there is term life, whole life, critical illness and disability insurance, along with mortgage protection and estate planning. On the savings side I help with the RESP, RRSP, spousal RRSP, TFSA and RDSP, and with ways to save on taxes in 2026.
Every insurer I compare is listed at the bottom of this page. If you'd rather see them ranked, there is a top 12 Super Visa insurers list, or you can compare the plans side by side. Families from Brampton, Toronto, Hamilton and the rest of the GTA call 647-640-2222 or 289-643-6300.
Travel Insurance
Emergency medical cover for Canadians travelling outside their province or abroad.
Learn More
Critical Illness Insurance
A tax-free lump sum if you are diagnosed with a covered illness.
Learn More
Guides and calculators you can use without calling me
Buy Super Visa and visitors insurance online
Each Buy online button opens the insurer's own secure site with Pankaj Bhatia as your advisor, at the same price as buying direct. Plan details opens our guide to that insurer.
What clients have written about working with me
Reviews as clients wrote them, without edits. More are on my Google reviews page further down.
Questions people ask me before they buy
Who is Pankaj Bhatia?
I'm a licensed insurance and financial advisor, Pankaj Bhatia, PFA, CHS, and the founder of Insure In Canada Inc., with offices in Mississauga and Cambridge, Ontario. I have 11 years in Canadian financial services and have arranged more than 5,000 Super Visa and visitors policies and more than 1,250 life insurance policies.
Does it cost more to buy through you than directly from the insurer?
No. The Buy online buttons on this page open each insurer's own site at its regular price, and I don't charge a fee for advice. You get the same policy, plus someone to call when you need to change dates, renew or make a claim.
Who decides my claim, you or the insurer?
The insurer. I'm an independent broker, so the insurer issues the policy, decides what is covered and pays the claim. I help you gather the documents, file the claim and follow up if it stalls.
What does a Super Visa policy need for IRCC to accept it?
At least $100,000 of emergency medical coverage for each person, valid for 365 days from the day your parent or grandparent enters Canada, from a Canadian insurer, and paid in full or monthly with a deposit. IRCC needs the policy itself. A quote is not accepted.
Can my parent get coverage with diabetes, high blood pressure or a heart condition?
Often, yes, if the condition has been stable for the plan's stability period and you choose a plan that covers stable pre-existing conditions. Stability periods are often 90 to 365 days, and a change in medication usually counts as a change. Unstable conditions are excluded.
Which provinces are you licensed in, and can you help families in Quebec?
I'm licensed in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia. I'm not licensed in Quebec, but Quebec residents can call me at 647-640-2222 and I will arrange the policy.
Do you sell life and critical illness insurance too?
Yes. I place term life, whole life, universal life and critical illness coverage with insurers including iA Financial Group, Manulife, Canada Life, Sun Life, RBC Insurance, BMO Insurance, Desjardins, Beneva, Equitable Life, Empire Life and Canada Protection Plan, and I can compare several of them in one quote.
