Super Visa Insurance

A Super Visa application requires proof of private medical insurance satisfying every one of these conditions simultaneously. A policy meeting three of the four does not qualify, and this is a common reason applications are delayed or refused.

The Super Visa allows stays of several years per entry, and coverage must remain continuous for the entire time your parent or grandparent is in Canada. A one-year policy satisfies the application, but it needs renewing before it lapses if the stay continues.

Proof of payment is generally required at the application stage — a quote alone is not sufficient. Many insurers offer monthly payment plans and will refund the unused portion if the visa is refused, which is worth confirming before purchase.

This is where most claim disputes originate. Coverage for pre-existing conditions usually depends on the condition being stable for a defined period before the policy takes effect — often 180 days, though some plans use 120.

Stability generally means no new symptoms, no change in medication or dosage, and no new treatment during that window. Declaring conditions accurately at application is essential; a claim can be denied on the basis of an undeclared condition even when the claim itself is unrelated.