Super Visa Insurance | Ethgrity

Super Visa Insurance: Compliance Made Simple.

Bringing your parents to Canada is a big step. We ensure your insurance meets every government requirement so you can focus on the reunion, not the paperwork.

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The IRCC Non-Negotiables

To qualify for the Super Visa, your policy MUST meet these three critical criteria:

💰 $100,000 Minimum

Coverage must be at least $100k per person. Lower amounts lead to automatic rejection.

📅 365 Days

Policy must be valid for one full year from entry. We ensure your dates align perfectly.

🇨🇦 Canadian Insurer

Must be issued by a private Canadian insurance company. We only work with approved carriers.

⚠️ The Risks of “Wrong” Insurance

Buying the cheapest or incorrect policy isn’t just a waste of money—it endangers the entire visa application.

1. Immediate Visa Rejection

If your Proof of Insurance doesn’t explicitly state “$100,000 CAD” and “365 Days,” the visa officer will reject the application. You lose application fees and months of waiting time.

2. Border Denial

Even with a visa, a Border Officer (CBSA) can deny entry. If your policy has lapsed or dates don’t match your arrival, entry can be denied.

3. Claim Rejection

Cheap policies often exclude “unstable” pre-existing conditions. If your parent has a medical emergency related to an excluded condition (like high blood pressure), the claim will be denied.

4. Ineligible Products

Some “Travel” plans are not “Super Visa” plans. Using the wrong product type will result in an immediate decline from IRCC.

We Guide You End-to-End

Finding the Right Product

We filter through 15+ carriers to find the one that covers your parent’s specific health history (Stability Check).

Getting the Proof

You receive the official “Confirmation of Coverage” document needed for the visa application immediately after purchase.

Claims Advocacy

If you need to use the insurance, we help you prepare the paperwork to ensure your claim is processed smoothly.

Opportunity: Monthly Payments

Affordable & Compliant: Did you know IRCC now accepts monthly payment plans for Super Visa insurance? This is a great opportunity to manage your cash flow without paying the full $1,500+ upfront.

How it works: You pay a deposit (usually 2 months) + a policy fee. The rest is deducted monthly. We can help you find carriers that offer this flexible option.

Refund Policy: Your Safety Net

We understand plans change. Here is how our policies protect your wallet:

100% Refund on Visa Denial: If the Super Visa is rejected, you get a full refund (Proof of rejection required).
Early Return Refund: If your parents return home before the year is up, you can get a partial refund for the unused days (Provided NO claims were made).
Date Changes: Arrival delayed? We shift the policy start date at no cost.

Frequently Asked Questions

How much does Super Visa insurance cost?

Rates vary significantly based on the applicant’s age, pre-existing medical conditions, and the deductible chosen. A “generic” quote can be misleading. Please contact our advisor for a precise calculation based on your parent’s specific health history to ensure they are fully covered at the best price.

Is it necessary to maintain coverage if my parents stay longer than 1 year?

Yes. You must maintain $100,000 in medical emergency coverage at all times while in Canada. If they leave and re-enter, border officers may ask for proof of active insurance.

Are pre-existing medical conditions covered?

Yes, but only if the policy specifically includes them and the condition has been “stable” for a set period (usually 90 to 180 days) before arrival. We help you find policies that cover stable conditions like controlled hypertension or diabetes.

What if the Super Visa application is rejected?

If the visa is denied, you are eligible for a 100% refund of the premium paid. You simply need to provide the refusal letter from IRCC to process the cancellation.

Is Super Visa insurance tax deductible?

Generally, no. The cost of medical coverage for a Super Visa is typically not considered a tax-deductible medical expense by the CRA for the child or grandchild, unlike personal health/dental plans. However, tax laws change; please consult a tax professional.

Can I pay monthly instead of annually?

Yes! Monthly payment plans are officially accepted by IRCC. This helps with cash flow, as you only pay a deposit upfront. However, maintaining payments is critical to avoid policy cancellation and visa issues.

Disclaimer: The information provided on this page is for educational purposes regarding Super Visa insurance requirements. Government regulations (IRCC) are subject to change without notice. While we strive to ensure our policies meet current standards, the final decision on visa issuance and entry into Canada rests solely with Immigration, Refugees and Citizenship Canada (IRCC) and the Canada Border Services Agency (CBSA). Insurance products vary by carrier; please refer to the specific policy wording for full terms, conditions, and exclusions.