How long can my parents stay in Canada on a Super Visa?

If you applied on or after June 22, 2023, you are eligible to stay for 5 years at a time. The visa itself provides multiple entries for a period of up to 10 years.

Are pre-existing medical conditions like diabetes or heart issues covered?

Yes, we secure specialized policies that cover stable pre-existing medical conditions. A condition is typically 'stable' if there have been no changes in treatment for 90 to 180 days prior to the effective date.

Can I change the start date of the insurance if flights are delayed?

Yes, TopInsure.ca offers adaptable start dates. If flight dates change, notify us before the original effective date, and we will adjust the policy start date at no extra cost.

Can I switch insurance providers after the first year?

Yes. When you renew the policy for the second year or subsequent visits, you are free to switch to a different Canadian insurance provider to find a better rate.

What if the super visa application is denied?

If the visa application is denied, you are eligible for a 100% full refund on your insurance premium. You just need to provide the official denial letter before the policy's effective date.

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Q: Can a spouse co-sign the letter of invitation?

Yes, your child or grandchild's spouse or common-law partner can co-sign the letter if they are a Canadian citizen, permanent resident, or registered Indian.

Q: What exactly does the medical insurance cover?

Comprehensive Super Visa Insurance covers health care, hospitalization, and repatriation, alongside nursing care, ambulance services, prescription drugs, and emergency dental repair.

Secure 100% IRCC-compliant visitor insurance for your parents. We offer adaptable start dates, pro-rata refunds, and coverage for pre-existing conditions.

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Bhupinder Saini

White-Glove Service • 4.9/5 Rating

We Compare Top Canadian Providers: Manulife RIMMI And More

Why Families Choose TopInsure.ca

We don't just sell insurance; we provide peace of mind. By comparing multiple providers based on deductibles, age, and policy length, we ensure you get the perfect coverage.

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100% IRCC Compliant

Meets exact Government of Canada requirements: guaranteed minimum $100,000 emergency medical coverage valid for 365 days.

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Compare & Save 45%

Don't overpay. We compare quotes from Manulife, RIMMI, and more to find the best rates based on your preferred deductibles.

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Pre-Existing Conditions

We secure specialized policies that cover stable pre-existing medical conditions, including diabetes, blood pressure, and heart issues.

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Adaptable Start Dates

Flight delayed? No problem. We offer completely adaptable start dates so your policy begins exactly when your parents land in Canada.

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Pro-Rata Refunds

If your parents or grandparents return to their home country early, enjoy a hassle-free, pro-rata refund for the unused days of coverage.

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Exhaustive Coverage

Beyond basic hospitalization, our top-tier plans include essential coverage for nursing care, ambulance services, and emergency dental repair.

Official IRCC & LICO Requirements

Before applying for a Canadian Super Visa, the IRCC dictates that sponsors must prove they meet income thresholds and that their parents have secured proper health insurance. Your application must meet these exact criteria:

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Low Income Cut-Off (LICO): The Canadian host must provide proof (like NOA or T4s) that their household income meets or exceeds the minimum necessary LICO requirement for their family size.
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Minimum $100,000 Coverage: The insurance policy must provide a minimum emergency coverage of $100,000 to cover health care, hospitalization, and repatriation.
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Valid for 365 Days: The health insurance must be valid for a minimum of 1 year from the date of entry and issued by a Canadian provider.
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Proof of Purchase: The policy must be paid in full or in instalments with a deposit. Quotes aren't accepted.

Criteria	Super Visa	Visitor Visa
Length of Stay	Up to 5 years per visit	Up to 6 months per visit
Insurance Coverage	Mandatory ($100K+)	Recommended (Flexible)
Duration	Mandatory 365 Days	Match trip length
Provider	Canadian / Approved Only	Any Accepted

Meet Bhupinder Saini

Licensed Insurance Broker | Serving Brampton & Ontario

Bringing your parents or grandparents to Canada is a major family milestone. Navigating the rigid IRCC guidelines shouldn't add to your stress.

I believe in providing white-glove, personalized service. As an independent licensed broker, I don't work for a single insurance company—I work for you. I aggressively compare policies across Canada's top providers to secure the lowest premiums, the best coverage for complex pre-existing conditions, and flexible monthly payment plans.

Expert in IRCC & LICO Guidelines

Fluent in English, Hindi & Punjabi

100% Free VIP Consultation

Hundreds of Satisfied Families

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Frequently Asked Questions

Clear, factual answers about Super Visas, LICO, and Medical Coverage.

What is the LICO requirement for a Super Visa?

The Low Income Cut-Off (LICO) is the minimum income the Canadian host (the child or grandchild) must prove they earn to support their visiting family members. The required amount depends on your total family size, including the visiting parents.

What is a letter of invitation and who can co-sign it?

The letter of invitation is a mandatory document written and signed by the host child or grandchild. Your child or grandchild's spouse or common-law partner can co-sign the letter if they are a Canadian citizen, permanent resident of Canada or registered Indian. Other family members, such as siblings, cannot co-sign.

Does the insurance have to be from a Canadian company?

Yes, the policy must be from a Canadian insurance company, or an insurance company outside Canada that is approved by the minister and authorized by OSFI.

Can I use a quote as proof of insurance for the application?

No. The policy must be paid in full or in instalments with a deposit. Quotes aren't accepted.

How long can they stay in Canada on a Super Visa?

A super visa provides multiple entries for a period of up to 10 years. If you applied on or after June 22, 2023, you are eligible to stay for 5 years at a time.

What if my parents return to their home country early?

If your parents or grandparents return to their home country before their 365-day policy expires, you are eligible for a pro-rata refund for the unused days, provided no claims have been filed on the policy during their stay.

Are pre-existing medical conditions covered?

Yes, we compare multiple providers to find specialized policies that cover stable pre-existing medical conditions, including diabetes, high blood pressure, and heart conditions. A condition is typically considered "stable" if there have been no changes in medication or treatment for 90 to 180 days prior to the effective date.

What exactly does the medical insurance cover?

The policy must cover the applicant's health care, hospitalization and repatriation. Beyond standard hospital stays and physician visits, comprehensive Super Visa Insurance covers necessary nursing care, ambulance transportation services, prescription drugs, and emergency dental repair.

Can I change the start date if their flight is delayed?

Absolutely. We offer completely adaptable start dates. If flight dates change, simply notify us before the original effective date of the policy, and we will adjust the start date of your coverage at no additional administrative cost.

Do my parents need a medical exam to get this insurance?

You must provide proof that you had a medical exam with an approved panel physician. However, for the insurance policy itself, a physical exam is usually not required—only a medical questionnaire.

Do I need to hire a representative to apply?

No, you're not required to hire a representative. The IRCC treats everyone equally, whether they use the service of a representative or not.

Can I apply for a Super Visa from inside Canada?

No, you must be outside Canada when you submit your application.

Can I include dependants on the Super Visa application?

No, you can't include dependants in this application.

What are the government fees for the Super Visa?

The Super visa fee is $100 CAD per person. If you need to give biometrics, the fee is an additional $85 CAD.

What if the visa application is denied?

If your parent or grandparent's Super Visa application is unfortunately denied by the IRCC, you are eligible for a 100% full refund on your insurance premium. You simply need to provide us with the denial letter from the government before the policy's effective date.

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Fill out the form below or Call/Text (289) 989-2201.

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