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🇨🇦 Current 2026 IRCC Super Visa Framework

Canada Super Visa Income & Insurance Calculator 2026

Check the current host-income threshold, new 2026 income options, required medical insurance and the main Super Visa eligibility rules for parents and grandparents.

1. Who Can Use the Super Visa?

The Super Visa is a multiple-entry temporary resident visa for a parent or grandparent of a Canadian citizen, permanent resident or registered Indian. The applicant must apply from outside Canada and the host must meet the current host requirements.

Requirements

  • The applicant must be the parent or grandparent of the host child or grandchild.
  • The host must be at least 18 years old and live in Canada.
  • The host must be a Canadian citizen, permanent resident or registered Indian.
  • The host must meet the applicable Minimum Necessary Income requirement and sign the invitation letter.
  • The applicant must be outside Canada when the application is submitted.
  • The applicant must complete an immigration medical exam.
  • The applicant must provide qualifying private health insurance.
  • The applicant must satisfy the general temporary-resident requirements, including admissibility and convincing the officer that they are a genuine visitor.

Stay Rules

  • For Super Visa applications made on or after June 22, 2023, the holder can stay in Canada for up to 5 years at a time after entry.
  • A holder can apply to extend the stay for up to 2 additional years while in Canada, before current status expires.
  • The Super Visa can provide multiple entries for up to 10 years, subject to passport and other validity limits.
  • A Super Visa does not itself authorize employment or study in Canada.
  • Dependants cannot be included in the Super Visa application as dependants; they need their own appropriate travel document or application.

2. 2026 Host Income Requirements

IRCC calls the financial test the Minimum Necessary Income (MNI). The current published income table was updated July 29, 2025 and remains the operative table used for 2026 applications unless IRCC publishes a newer amount.

Family SizeMinimum Necessary IncomeExample
1$30,526 CADHost only
2$38,002 CADHost + 1 invited parent/grandparent
3$46,720 CADHost + spouse + 1 invited parent, or host + 2 invited parents
4$56,724 CADHost + spouse + 2 invited parents, or another equivalent family composition
5$64,336 CADHost + spouse + dependent child + 2 invited parents, for example
6$72,560 CADApplicable family-size calculation
7$80,784 CADApplicable family-size calculation
Each additional person above 7+$8,224 CADAdd for each additional person
Family Size RuleFamily size can include the host, host spouse/common-law partner, dependent children, invited Super Visa applicants, previously approved Super Visa applicants covered by an applicable invitation, and certain people for whom the host or co-signer still has a valid sponsorship undertaking.
Important CorrectionDo not use the old formula 'most recent tax year only.' From March 31, 2026, IRCC allows two alternative income methods.

3. New 2026 Income-Test Calculator

For applications submitted on or after March 31, 2026, IRCC provides two ways to satisfy the income requirement.

Worked Examples

scenario: Family size 2, host earns $40,000 in 2025
result: Passes Option 1
calculation: $40,000 >= $38,002
scenario: Family size 2, host earns $30,000 in 2025 and parent earns $10,000
result: Passes Option 2 if the income is adequately documented and otherwise eligible
calculation: 75% of $38,002 = $28,501.50; $30,000 satisfies the 75% host threshold; $30,000 + $10,000 = $40,000, which exceeds $38,002
scenario: Family size 2, host earns $25,000 in 2025 and parent earns $20,000
result: Does not pass Option 2
calculation: $25,000 is below 75% of $38,002

4. Super Visa Medical Insurance

Each Super Visa applicant must provide proof of qualifying private health insurance. The policy must meet IRCC's current coverage, insurer, payment and validity conditions.

Insurance Rules

  • Minimum emergency medical coverage: $100,000 CAD.
  • The policy must be valid for at least 1 year from the date of entry.
  • The policy must cover health care, hospitalization and repatriation.
  • The policy must be valid for each entry to Canada.
  • The insurance can be paid in full or in instalments with a deposit; a quote alone is not accepted.
  • The insurer can be a Canadian insurance company.
  • A foreign insurance company can qualify if it meets IRCC's current OSFI and Canadian-insurance-business requirements.
  • Keep proof of paid insurance available because it can be requested by the border services officer on entry.
  • If the policy expires before the holder leaves Canada, the insurance should be renewed to maintain coverage.

5. Medical Exam, Documents and Application

The Super Visa application requires more than income and insurance. The applicant must establish the qualifying family relationship, prove the host's status and include the required invitation and financial-support evidence.

Documents

  • Signed invitation letter from the host child or grandchild promising financial support for the authorized stay.
  • Proof that the host is a Canadian citizen, permanent resident or registered Indian.
  • Proof of the parent/grandparent relationship, such as the host's birth certificate or another official document naming the applicant as parent/grandparent.
  • Proof that the host meets MNI, using the income method being relied upon.
  • Proof of qualifying private health insurance.
  • Proof of completing the immigration medical exam with an approved panel physician.
  • Any additional documents required by the applicant's local visa-office instructions.
  • Biometrics where required.

Income Proof

  • CRA Notice of Assessment is the preferred income document.
  • If an NOA is unavailable, IRCC also identifies T4/T1 documents, recent 12-month pay stubs, employer letters, bank statements showing relevant investment or employment/pension deposits, and other income evidence.
  • If the visiting parent/grandparent's income is being used under Option 2, documentation must establish the income and demonstrate continuing income while in Canada.
Co SignerThe host's spouse or common-law partner can co-sign and contribute income when they meet the applicable Canadian status requirements. Other family members, such as siblings, cannot simply be substituted as co-signers.
Application Fee$100 CAD per person for the Super Visa/temporary resident visa unless the applicant is visa-exempt. Biometrics may be an additional fee where required.
Application RuleThe Super Visa application must be submitted from outside Canada, normally through the IRCC Portal or other current IRCC process specified for the applicant.

6. Simple 2026 Super Visa Roadmap

Quick Warnings

  • Do not use the PGP sponsorship income formula for Super Visa eligibility.
  • Do not count only the host and invited parent when the host has a spouse, children, previous Super Visa invitations or active sponsorship undertakings that must also be included.
  • Do not assume any foreign insurer is automatically accepted.
  • Do not treat an insurance quote as proof of purchased coverage.
  • Do not assume the maximum 5-year stay is an automatic guarantee of entry; the border services officer determines the authorized stay.

Mandatory Action Checklist

✓Confirm the applicant is the parent or grandparent of a qualifying host.
✓Calculate the complete Super Visa family size before selecting the MNI threshold.
✓Test the host income under either current 2026 income method.
✓If using the 75% method, document the visiting parent's or grandparent's qualifying income and the continuing-income requirement.
✓Obtain a compliant private medical insurance policy with at least $100,000 emergency coverage for at least 1 year.
✓Complete the required immigration medical exam with an approved panel physician.
✓Prepare the invitation letter, relationship proof, host-status proof and income evidence.
✓Check local visa-office instructions and complete biometrics if required.
✓Apply from outside Canada.
✓Carry proof of paid insurance and relevant Super Visa documents when travelling to Canada.
✓Remember that a Super Visa does not authorize the holder to work or study.
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Frequently Asked Questions (FAQs)

For Super Visa applications made on or after June 22, 2023, the holder can stay for up to 5 years at a time. The holder can also apply from inside Canada for an extension of up to 2 additional years before their current status expires.

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, and satisfy IRCC's insurer and payment requirements.

Yes. IRCC allows the qualifying insurance policy to be paid in full or in instalments with a deposit. The actual instalment schedule and deposit amount are determined by the insurer, and a quote alone is not sufficient proof of coverage.

For applications from March 31, 2026, the host/co-signer can qualify using income at or above the applicable MNI in either of the two taxation years immediately preceding the application. Alternatively, the host/co-signer can have at least 75% of the applicable MNI in the year immediately before application and the visiting parent or grandparent can contribute income to bring the combined amount to the full MNI.

The host must be the applicant's child or grandchild, be at least 18, live in Canada and be a Canadian citizen, permanent resident or registered Indian. The host's spouse or common-law partner may co-sign and contribute income if they meet the applicable status requirements. Other relatives, such as siblings, cannot simply act as the co-signer.

No. A Super Visa is a temporary resident visitor document and does not itself authorize work or study. A separate work or study permit would generally be required where the person is otherwise eligible.

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2026 Super Visa Metrics

Maximum Stay Per EntryUp to 5 years
Multiple-Entry VisaUp to 10 years
Health InsuranceMinimum $100,000 emergency coverage
Application Fee$100 CAD per applicant unless visa-exempt

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