21st Century
Visitors to Canada and Super Visa plans
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Plan details & claims
Buying guide · Updated October 2026
Buy Super Visa insurance online: step by step, and what to check before you pay
Buying online takes about 15 minutes. Checking the documents properly takes another five, and it is the part most families skip.
You can buy a Super Visa policy for your parents from home, before they apply, and have the documents in your inbox the same day. The risk is not the website. It is buying a plan that doesn't meet IRCC's rules, answering a medical question wrongly, or uploading a quote instead of a policy.
In short
To buy Super Visa insurance online, compare plans for each parent, read the plan details, answer the insurer's medical questions on its own secure page, and pay in full or by instalments with a deposit. You should receive a policy confirmation that names the insurer, the insured person, at least $100,000 of emergency coverage and dates covering at least one year from the day your parent enters Canada, plus proof of payment. A quote or an unpaid application is not accepted by IRCC.
How to buy Super Visa insurance online in 6 steps
The same steps work whether you are in Canada buying for parents abroad, or your parents are buying from home.
1
Have the details ready
Each parent's date of birth as it appears in the passport, the planned arrival date, and a list of medicines with any dose changes in the last year.
2
Compare in one quote
Choose $100,000 or more per person, a deductible, and "Yes" for pre-existing conditions if your parent takes regular medicine. Prices from several insurers appear side by side.
3
Open the plan details
Before you pick the cheapest line, read the stability period, the waiting period if your parent is already in Canada, and the refund rules if the visa is refused.
4
Answer the medical questions
You do this on the insurer's own application page. Answer for your parent, with their prescriptions in front of you. A wrong answer can void a claim later.
5
Pay in full or monthly
Pay the full premium, or a deposit plus monthly instalments. Use a card that won't expire during the policy year.
6
Save and check the documents
The policy arrives by email. Check names, date of birth, dates and coverage before you upload anything to IRCC.
How to make sure you are buying a real, qualifying policy
Buy on the insurer's own page. The Buy online buttons on this site open each insurer's secure application. The policy is issued by that insurer, and payment goes to it, not to a person.
Check who the insurer is. IRCC accepts a policy from a Canadian insurance company, or from a foreign insurer authorized by the Office of the Superintendent of Financial Institutions (OSFI) for accident and sickness insurance, issued while doing business in Canada. IRCC points out that brokers and claims administrators are not insurance companies. If your confirmation shows only a broker or administrator, ask for a document that names the insurer.
A policy from your parents' home country is usually not accepted. Unless the company is on OSFI's list and the policy says it was issued in Canada, IRCC will not count it.
Never send card details by email or WhatsApp. You pay on the insurer's secure page, so nobody needs your card number in a message.
Not every Visitors to Canada plan qualifies. Insurer portals sell short visitor plans and Super Visa plans side by side. A $50,000 limit or a six-month policy will not meet the rules. See the full list of Super Visa insurance requirements.
Stop and ask if you see
- "Quote" or "Application"
- on the document you plan to upload
- No insurer name
- only a broker or administrator
- One limit for two people
- each parent needs $100,000
- Short dates
- less than 365 days from arrival
- Wrong spelling
- of the name or date of birth
What documents you receive after buying online
Most insurers email the documents within minutes of payment. Timing varies, and some medical applications are reviewed first.
| Document | What it shows | What to do with it |
|---|---|---|
| Policy confirmation (also called the certificate or confirmation of coverage) | Insured person's name and date of birth, policy number, start and end dates, coverage amount, deductible and the insurer's name | Upload with the visa application; your parent carries a copy on every entry |
| Proof of payment or payment schedule | Paid in full, or the deposit paid and the instalment dates | IRCC wants to see the policy is paid, not just quoted |
| Policy wording | The full contract: what is covered, exclusions, the definition of "stable", claim and refund rules | Keep it. Read the pre-existing and exclusions sections once |
| Emergency assistance card or number | The insurer's 24-hour assistance line and the policy number | Your parent's phone and wallet, before they fly |
| Copy of the medical answers, where the plan asks them | What was declared about your parent's health on the purchase date | Keep it with the policy; it matters at claim time |
Check your documents before you upload them
Tick what your policy confirmation shows, and enter the dates. Nothing is sent anywhere.
A planning aid, not a ruling. IRCC decides each application.
Paying monthly or in full
IRCC accepts a Super Visa policy paid in full or in instalments with a deposit. The coverage is the same either way.
| Pay in full | Pay monthly | |
|---|---|---|
| Paid on the day you buy | The whole year | A deposit (usually one or two months of premium) plus a one-time setup fee |
| Setup fee | None | $50 to $120, depending on the insurer |
| Monthly charge | None | The annual premium divided by 12, for the remaining months |
| Accepted by IRCC | Yes | Yes, with proof of the deposit |
| Best if | You can pay comfortably and want no failed-payment risk | You would rather keep cash for flights and the first months, or you are insuring both parents |
Terms from the insurers in Pankaj's quote engine, October 2026. Deposits and fees for each insurer, and a calculator, are on the Super Visa monthly payment plans page. Ask what happens if a monthly payment fails, because a cancelled policy leaves your parent without cover.
After you buy: changes, refusals and arrival
Travel date moved? Many insurers let you change the start date before the policy begins, but rules and deadlines differ. Ask before the original start date, and make sure the new dates still give one full year from arrival.
Visa refused? Send the refusal letter to the insurer before the policy's start date. Premiums are generally refunded in that case; setup fee rules differ by insurer. See Super Visa insurance refunds.
Buying after your parent has arrived? It is possible with many insurers, but a waiting period for sickness applies, from 48 hours to 15 days depending on the plan and age. Buying before arrival avoids it.
On the day they fly. Your parent should carry a printed copy of the policy confirmation in hand luggage, with the assistance number saved in their phone. A border officer can ask to see it on every entry.
Staying longer than a year? The Super Visa allows stays of up to 5 years at a time, but a one-year policy covers one year. Renew before it ends, and buy a new year of cover before each new entry.
Buy Super Visa insurance online from leading insurers
Press Buy online to go to the insurer's own secure page, or compare them all in one quote first.
GMS
Visitors to Canada plans with Super Visa options
Buy online Plan details & claims
Secure Travel (RIMI)
Visitor and Super Visa medical plans
Buy online Plan details & claims
Destination Canada
Visitors to Canada emergency medical plans
Buy online Plan details & claims
TruStone Health
Association plan for visitors and Super Visa
Buy online Plan details & claims
Travelance
Essential and Premier Visitors to Canada plans
Buy online Plan details & claims
Manulife Travel
Visitors to Canada plans from Manulife
Buy online Plan details & claims
MSH Discover Canada
Visitors to Canada emergency medical plans
Buy online Plan details & claims
Allianz Global Assistance
Visitors to Canada and Super Visa plans
Buy online Plan details & claims
TuGo
Visitors to Canada and Super Visa plans
Buy online Plan details & claims
2 Visit Canada
Visitor and Super Visa medical plans
Buy online Plan details & claims
JF Visitor to Canada
Visitors to Canada and Super Visa plans
Buy online Plan details & claimsQuestions about buying Super Visa insurance online
Can I buy Super Visa insurance online in Canada?
Yes. You compare plans, answer the insurer's medical questions on its secure page, and pay online; the policy is usually emailed the same day.
You can buy for a parent who is still abroad. You are the purchaser; your parent is the insured person.
Should I buy the insurance before the visa is approved?
Yes. IRCC needs proof of a purchased policy with the application, so you buy first and set the start date to the planned arrival date.
Check the plan's refund rules for a refused visa before you pay.
Do I need one policy per parent?
Each parent needs their own $100,000 of coverage. A couple can be on one application, but the limit must be $100,000 for each person, not shared.
Each parent also answers their own medical questions, so the price for each can differ.
Can my parents buy a policy in India or another home country?
Usually no. IRCC accepts only Canadian insurers, or foreign insurers authorized by OSFI whose policy was issued while doing business in Canada.
Brokers and claims administrators abroad do not count as insurers.
Is a quote or payment receipt enough for IRCC?
No. IRCC does not accept quotes. Upload the policy confirmation that names the insurer, with proof it is paid in full or that the deposit is paid.
If you pay monthly, the payment schedule or deposit receipt shows the instalment plan.
Can I pay monthly when I buy online?
Yes, with insurers that offer it. You pay a deposit and a one-time setup fee of $50 to $120 on the day, then monthly instalments.
See monthly payment plans for each insurer's deposit.
Does every Visitors to Canada policy qualify for a Super Visa?
No. The policy needs at least $100,000 per person, cover for health care, hospitalization and repatriation, and at least one year from each entry.
Check the issued policy against the IRCC requirements.
Can someone check the plan before I pay?
Yes. Pankaj can go through the quote, the medical questions and the documents with you by phone or WhatsApp, at no charge.
The premium is the same whether you buy through him or directly from the insurer.
Written by Pankaj Bhatia, CHS, PFA
Insure In Canada Inc. · 11 years in financial services · Licensed in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia
Pankaj checks policy confirmations for families before they upload them to IRCC, and goes through the medical questions with them when a parent takes regular medicine. Send the documents on WhatsApp and he will tell you if anything is missing.
Call 647-640-2222 · WhatsApp · info@pankajbhatia.ca · About Pankaj
Sources and related pages
General information, not immigration advice. The policy wording and the insurer's application govern coverage. Buying insurance does not guarantee a visa or the payment of a claim.