The Canadian government requires valid medical insurance with a minimum coverage of $100,000 for health care, hospitalization, and repatriation.
Yes. For the initial Super Visa application, you must purchase and pay for an insurance policy covering at least one year (365 days) before submitting the application.
Absolutely. If the visa application is denied by Immigration, Refugees and Citizenship Canada (IRCC), the premium is fully refunded upon presentation of the refusal letter.
Some companies now offer monthly payment options, although the policy must legally cover a one-year period. Conditions apply.
No. Super Visa insurance has specific requirements set by IRCC (minimum $100,000, one-year validity, Canadian insurer). Standard travel insurance will not be accepted.
Visitor insurance covers tourists, parents, or friends visiting Canada temporarily.
Super Visa insurance is mandatory for parents and grandparents applying for a Canadian Super Visa and must meet the Government of Canada’s requirements.
Yes. To obtain a Super Visa, the government requires valid medical coverage of at least $100,000 for a minimum period of one year.
No. Visitors must pay for medical expenses themselves if they do not have insurance.
Costs can be very high:
It depends on the plan chosen. Some policies do not cover pre-existing conditions. Others cover them if they are considered “stable.”
A condition is generally considered stable when there has been no:
for a specified period (often 90 to 180 days depending on the insurer).
Yes, in many cases. If the condition is stable according to the insurer’s criteria, coverage may include these health issues.
Not always. A dosage change can make the condition “not stable” according to some insurers.
Yes. If a test or medical investigation is pending before departure, the insurer may deny a claim related to that condition.
Yes, for sudden and unforeseen medical emergencies covered by the policy.
Yes, prescription medications resulting from a covered medical emergency are often included.
Yes, in most cases if the illness is sudden and not related to a policy exclusion.
Yes. Many insurers accept these conditions if they have been stable for the required period.
Many insurers offer COVID-19 coverage for medical emergencies related to the virus. Protections vary by policy.
No. Many people think that diabetes, high cholesterol, or hypertension prevent them from being insured. This is not true if the condition is stable and properly declared.
The insurer may deny the claim and cancel the coverage. It is very important to answer medical questions honestly.
Yes, in many cases:
Conditions vary by insurer.
Yes. Several insurers offer monthly payments with an initial deposit.
Yes. The older the age or the higher the medical risk, the higher the premium may be.
Each insurer has:
Comparing several companies often saves hundreds of dollars while securing better protection.
Any illness, injury, or medical condition for which you consulted a doctor, received treatment, or took medication before your insurance effective date.
For your pre-existing condition to be covered in case of an emergency, it must be stable (no medication changes, no new treatment, and no new symptoms) for a period of 90 to 180 days prior to departure.
Generally, no. Any adjustment (increase or decrease) to medication, or stopping a medication, is considered a change in health status and resets the required stability period.
A routine medical exam with normal results does not affect your stability. However, if the doctor orders an investigative test, stability is compromised.
Yes, as long as the condition has been stable (same medication dosage, no new symptoms) for the period required by your policy (commonly 120 or 180 days).
No. Travel insurance covers only dental emergencies, such as relief of acute pain or a dental fracture resulting from an accident (up to a specified limit).
Only if it is for an emergency or a new illness that arose in Canada. General follow-ups, annual exams, and preventive care are excluded.
No. Insurance covers prescription medications only to treat a new medical emergency (usually limited to a 30-day supply).
Your coverage is suspended while you are in your country of origin, but the policy remains active for your return to Canada, provided there has been no interruption of the contract.
Yes, but it must be pre-approved and arranged by your insurer’s assistance center. Never arrange repatriation on your own without prior agreement.
ER registration fees for non-residents often start around $800 to $1,200, before seeing a doctor or running tests.
A standard room (without intensive care) typically costs between $3,000 and $5,000 for a foreign visitor. Intensive care can exceed $10,000 per day.
Extremely. An emergency surgery (such as an appendectomy) can cost between $15,000 and $25,000 including hospitalization and anesthesia.
An ambulance transport in Canada for a non-resident can cost between $250 and $800 depending on the province and distance traveled.
SecurVisit arranges direct billing with most hospitals for large amounts. Without insurance, the hospital will require a credit card deposit before admission.