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🇨🇦 Current Canada Super Visa Insurance Comparison Framework 2026

Best Super Visa Insurance Comparison Guide 2026

Compare major Super Visa insurance options using the features that actually matter: coverage limits, deductibles, pre-existing-condition rules, instalment plans, refunds and policy exclusions.

1. How to Compare Super Visa Insurance in 2026

The right comparison starts with IRCC compliance and then looks at the policy features that affect real-world protection and cost. A low premium is not necessarily the best value if important pre-existing conditions are excluded or the deductible and refund rules are less favourable.

Ircc Baseline

  • Minimum emergency medical coverage: $100,000 CAD.
  • Policy validity: at least 1 year from the date of entry.
  • Coverage must include health care, hospitalization and repatriation.
  • The policy must be valid for each entry to Canada.
  • Payment can be made in full or in instalments with a deposit.
  • A quote alone is not accepted as proof of insurance.
  • The insurer must be a Canadian insurance company or a qualifying foreign insurer meeting the current IRCC/OSFI requirements.

Comparison Factors

  • Total premium, not just the advertised monthly payment.
  • Deductible amount and whether it applies per person, per claim or under another policy definition.
  • Pre-existing-condition eligibility, stability period and exclusions.
  • Coverage limit such as $100,000 or higher.
  • Monthly instalment eligibility and deposit.
  • Early-return and Super Visa-refusal refund rules.
  • Waiting periods and coverage start date.
  • Age limits and medical questionnaire requirements.
  • Hospital/direct-payment arrangements and emergency-assistance services.

2. Major Super Visa Insurance Options

These are current providers/products that can be considered when comparing Visitors-to-Canada or Super Visa coverage. The list is not a ranking and product availability or wording can change.

Provider / ProductSuper Visa AvailabilityDocumented Current FeaturesImportant Comparison Point
Manulife CoverMe — Visitors to CanadaYesVisitors-to-Canada plans meet Parent and Grandparent Super Visa requirements; plans can provide up to $200,000 emergency medical benefits and offer options for pre-existing conditions.Compare plan type, age eligibility, deductible and pre-existing-condition wording.
Allianz Global Assistance — Visitors to CanadaYesCurrent Visitors-to-Canada products meet Super Visa requirements; $100,000 coverage is available, with deductible options and product options up to age 89.Check the actual underwriter, deductible, age rules and exclusions for the selected plan.
TuGo — Visitors to CanadaYesCurrent policy wording covers Visitors to Canada and includes specific Super Visa refund provisions for qualifying policies.Read the current refund section and pre-existing-condition exclusions before purchase.
GMS — Visitors to CanadaYesCurrent plans include $100,000 and $150,000 Super Visa coverage, deductible choices and a 180-day pre-existing-condition option.Check the medical-questionnaire, age and stability requirements applicable to the selected plan.
21st Century Visitors to CanadaYesCurrent product materials show $100,000+ options and monthly-payment availability; the product is underwritten by The Manufacturers Life Insurance Company (Manulife).Treat 21st Century as a product/brand option rather than automatically as a separate underwriting company.
Sources NoteProduct details should be rechecked against the insurer's current policy wording and quote before publication or purchase.

3. Pre-Existing Conditions and Deductibles

Medical history can have a larger impact on both price and coverage than the headline premium. Pre-existing-condition rules are insurer- and product-specific.

Stability Examples

  • Manulife currently publishes visitor plans with different treatment of pre-existing conditions, including plan options using a 180-day stability rule.
  • GMS currently advertises coverage for pre-existing conditions that have been stable for 180 days on its Visitors to Canada product.
  • Other products can use different stability requirements or exclude particular conditions entirely.

Deductible Rules

  • A deductible means the insured is responsible for the specified eligible amount under the policy before the insurer pays the remaining eligible claim.
  • The exact deductible definition can differ between policies; check whether it is per person, per claim, per policy or otherwise defined.
  • Higher deductibles can reduce premiums, but there is no universal percentage saving.
  • Compare the actual quoted premium at the selected deductible instead of relying on a generic 10%, 15% or 25% estimate.

Medical Checklist

  • Disclose medical history accurately.
  • Read the stability clause word-for-word.
  • Check medication-change rules.
  • Check exclusions for chronic or recurrent conditions.
  • Check whether a medical questionnaire is required.
  • Compare the deductible and the maximum payable benefit.

4. Monthly Payments, Refunds and Direct Claims

Payment and cancellation features are commercial policy terms. They should be compared from the actual insurer or policy wording rather than treated as universal Super Visa rules.

Current Examples

  • Travelance currently advertises a monthly-payment option for Visitors-to-Canada coverage with two months of premium collected at application and a billing fee; this is a product-specific feature, not an IRCC rule.
  • TuGo's current policy wording contains specific Super Visa refund provisions, including conditions and cancellation fees; these terms differ from other insurers.
  • The existence of a monthly plan or refund clause therefore should never be generalized across the entire market.

5. Practical Insurance Selection Roadmap

Mandatory Action Checklist

✓First verify that the policy meets all IRCC insurance requirements.
✓Get comparable quotes for the same coverage amount and policy duration.
✓Compare the total premium rather than only the monthly instalment.
✓Compare deductibles using the exact policy definition.
✓Review pre-existing-condition wording against the applicant's actual medical history.
✓Check age limits and whether a medical questionnaire is required.
✓Check the payment schedule and initial deposit if using instalments.
✓Read visa-refusal and early-return refund provisions.
✓Check waiting periods, exclusions and maximum benefit limits.
✓Confirm the insurer/underwriter shown on the policy is compliant with IRCC's insurer requirements.
✓Keep the official policy certificate and proof of payment for the immigration application and travel.

Frequently Asked Questions (FAQs)

Current options include Manulife CoverMe, Allianz Global Assistance, TuGo, GMS and 21st Century products. Availability and product terms can change, so verify the current policy wording before purchasing. 21st Century materials identify The Manufacturers Life Insurance Company (Manulife) as the underwriter of its Visitors to Canada product.

The policy must provide at least $100,000 CAD in emergency coverage, be valid for at least 1 year from the date of entry, cover health care, hospitalization and repatriation, be valid for each entry, and meet IRCC's insurer and payment requirements.

There is no single stability period across all insurers. Current products can use different rules; for example, Manulife and GMS publish 180-day stability provisions for particular visitor-insurance plans. Always check the exact policy wording for the applicant's condition and plan.

Yes. IRCC allows qualifying insurance to be paid in full or in instalments with a deposit. The deposit, billing fee and number of instalments are insurer-specific; for example, Travelance currently advertises a monthly option with two months of premium collected at application.

Possibly. Refunds are controlled by the specific policy. Some current products provide Super Visa-specific refund provisions, while others have different cancellation rules, deadlines and fees. Never assume a universal 100% refund.

No. A higher deductible may reduce the premium, but the saving depends on the insurer, applicant, product and coverage. Compare actual quotes at each deductible rather than relying on a fixed percentage.

Official Government Sources & Authorities

2026 Insurance Comparison

IRCC Minimum Coverage$100,000 CAD emergency medical
Minimum Policy PeriodAt least 1 year from entry
Payment StructureFull payment or instalments with a deposit
PriceQuote-specific; no reliable universal price range

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