Super Visa insurance in London

London, midway between Toronto and Windsor in southwestern Ontario, is home to many families and students who host visiting relatives from abroad. If you are sponsoring a parent or grandparent, medical insurance is a firm condition of the Super Visa, and getting it right keeps the application moving.

What IRCC requires

For a Super Visa, the insurance has to meet four conditions. The policy must provide at least $100,000 in emergency medical coverage. It must be valid for a minimum of 365 days from the date of entry to Canada. It must come from a Canadian insurance company. And it must cover healthcare, hospitalization and repatriation. A policy that misses any one of these can delay or sink the application, so confirm all four before you submit.

Why the coverage runs a full year

Unlike a short visitor policy, Super Visa coverage spans a full year because the visa is designed for long stays. That full year of emergency medical protection is the main reason Super Visa premiums are larger than ordinary visitor insurance — you are buying 365 days of coverage, not a few weeks.

What drives the cost

There is no flat price. The premium depends mainly on the visitor’s age, the coverage amount you choose ($100,000 or higher), the length of coverage, and the visitor’s health. There is no age limit, and no medical questions under 60; at 60 and over the visitor completes a medical questionnaire that sets the premium rather than eligibility. Answering it accurately matters, because an incorrect answer can undermine a future claim.

Proof of coverage for the application

You submit proof with the application — typically a confirmation letter or policy document from the Canadian insurer showing the coverage amount, the effective dates spanning at least 365 days, and the insured person’s name. Make sure the document clearly states the $100,000 minimum and the one-year validity so a visa officer can verify it at a glance.

Monthly payments and refunds

Many London families spread the cost with a monthly-payment plan; IRCC accepts instalment policies as long as coverage stays valid for the full 365 days. Our underwriting partner, a Canadian insurer operating since 1964, offers Super Visa coverage within its Visitors to Canada shelf, with 24/7 assistance in multiple languages and claims handled directly. If the Super Visa is refused and no claim has been made, most insurers refund the premium less an administration fee — confirm the terms before you buy.

Getting the timing right

Buy the policy before the application is submitted so you have proof ready, and set the start date to the planned entry date. If entry is delayed, many insurers let you adjust the effective date. The key is that valid coverage exists for the full year the visa covers, without a gap at either end.

Common mistakes to avoid

A few errors recur with Super Visa coverage. Buying less than $100,000, or a policy that runs short of 365 days, is the most common and the most costly, because it can lead straight to a refusal. Guessing on the medical questionnaire for a visitor 60 or over is another — accuracy there protects the claim, not just the application. And leaving the purchase until after submission means no proof is ready to attach. Match the policy to the four IRCC conditions exactly, and keep the confirmation document on hand.

Pre-existing conditions and stability

Super Visa plans cover sudden, unexpected emergencies, so check how yours handles pre-existing conditions. Many require a condition to be stable for a defined period before coverage begins — no new symptoms, treatment changes or medication adjustments in that window. For a visiting parent or grandparent managing an ongoing condition, confirm the stability rule and the coverage amount before you buy, so there are no surprises if a claim arises during the year.

Sponsoring a parent or grandparent in London? Get a Super Visa quote and compare your options before you apply.