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🇨🇦 IRCC Super Visa Parents & Grandparents Visitor Framework

Super Visa Insurance & Income Calculator 2026

Master calculator for the Canada Super Visa: Calculate your host Minimum Necessary Income (MNI / LICO), $100,000 CAD emergency medical insurance, and 5-year stay rules.

1. Overview of Canada Super Visa Requirements

The Super Visa is a multi-entry visitor visa that allows parents and grandparents of Canadian citizens and Permanent Residents to visit Canada for up to 5 consecutive years per entry without needing to renew their status.

Key Policy Highlights & Benchmarks

  • 5-Year Stay Per Entry: Allows parents to remain continuously in Canada for up to 5 years per visit (extendable for 2 additional years while inside Canada)
  • 10-Year Multiple-Entry Visa: Issued for up to 10 years or until passport expiration
  • Host Minimum Necessary Income (MNI): Host child/grandchild in Canada MUST prove household income meets or exceeds LICO for their family size. As of March 31, 2026, IRCC introduced flexibility: income from either of the two most recent tax years may be used, and the visiting parent/grandparent income may be partially combined if the host meets a minimum percentage threshold.
  • Mandatory $100,000 CAD Health Insurance: Must hold $100,000+ CAD emergency medical insurance from a Canadian insurer (or designated foreign insurer)

Mandatory Action Checklist

Check host child/grandchild Notice of Assessment income against MNI chart
Purchase $100,000 CAD emergency medical insurance policy (annual or monthly plan)
Complete upfront medical exam and submit Super Visa application online

2. Super Visa Host Income (MNI / LICO) Grid Matrix

Minimum income requirements by family size.

Total Family Size (Host + Visiting Parents)Minimum Necessary Income (MNI / LICO)Required Income Proof DocumentCo-Signer Option
2 Persons (Host + 1 Parent)$38,002 CADCRA Notice of Assessment (Line 15000)Host Spouse can co-sign
3 Persons (Host + Spouse + 1 Parent)$46,720 CADCRA Notice of Assessment (Line 15000)Host Spouse can co-sign
4 Persons (Host + Spouse + 2 Parents)$56,724 CADCRA Notice of Assessment (Line 15000)Host Spouse can co-sign
5 Persons (Host + Spouse + 1 Child + 2 Parents)$64,336 CADCRA Notice of Assessment (Line 15000)Host Spouse can co-sign

3. Insurance Monthly Payments & Upfront Medical Exam

Insurance payment options and medical requirements.

Key Policy Highlights & Benchmarks

  • Monthly Payment Insurance Plans: IRCC permits Super Visa medical insurance to be paid in monthly installments rather than 100% upfront lump sums.
  • Refund Upon Visa Refusal: Many Canadian Super Visa insurers offer full or substantial refunds (typically minus a small administrative fee) if the Super Visa application is refused. Terms vary by insurer; verify refund policy with your specific provider before purchasing.
  • Upfront Panel Physician Medical Exam: Parents MUST undergo an upfront medical examination with an IRCC panel physician before visa approval.
  • Invitation Letter & Financial Support Guarantee: Host must provide a signed invitation letter promising financial support for the duration of the visit.

4. Step-by-Step Super Visa Roadmap

Applying for a Super Visa.

Mandatory Action Checklist

Verify host income meets MNI threshold
Purchase $100,000 Super Visa insurance
Submit application with panel physician medicals
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Frequently Asked Questions (FAQs)

Up to 5 consecutive years per entry.

$100,000 CAD emergency medical insurance coverage.

Yes! IRCC permits monthly installment payment plans for Super Visa insurance.

Super Visa host income is based on 100% LICO (Minimum Necessary Income), whereas PGP sponsorship requires LICO + 30%.

A Canadian citizen or Permanent Resident child or grandchild.

Yes. Parents MUST complete an upfront medical exam with an IRCC panel physician.
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Super Visa Metrics

Max Stay Per Entry
Up to 5 Consecutive Years
Visa Validity
Up to 10 Years Multiple-Entry
Insurance Minimum
$100,000 CAD Emergency Coverage
Host Income Benchmark
Must Meet MNI (LICO 100%)
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