Best Super Visa Insurance Plans For Parents & Grandparents In Canada – 2025 Compare & Save

Many families forget to verify pre-existing condition stability requirements. Insurance may look affordable at first, but if your parents’ medical conditions haven’t been stable for the required period (typically 90 to 180 days), claims can be denied. At Canadian LIC, we’ve helped many clients avoid this mistake by reviewing their medical history upfront.

Yes—but be careful. Not all policies offer full refunds. Some charge cancellation fees, or only refund unused days. We always walk our clients through flexible refund options before they finalize their policy, especially if visa approval is still pending.

Deductibles affect your premium. A higher deductible means lower premiums but more unexpected medical expenses during emergencies. We’ve helped clients use deductible calculators to compare savings versus risk, which is especially useful when ensuring both parents are under the same plan.

Not always. Some providers allow a partial policy upfront and extensions later. But beware—extending coverage after arrival may come with higher rates or re-approval of medical stability. We help families map this out before arrival to keep everything compliant and cost-effective.

Some insurers allow it; others require individual policies, especially if one parent has a medical condition and the other doesn’t. We often recommend separate plans to tailor coverage better and reduce denial risk.

You’ll need multi-trip or top-up coverage, depending on the insurer. Not all policies allow multiple entries under one premium. We guide families to the plans that support re-entry without extra paperwork or unexpected fees.

Start with a Super Visa Insurance Cost Calculator, then have a broker at Canadian LIC compare Super Visa Insurance Quotes across providers. We’ve saved some clients up to $300+ per year just by adjusting deductibles or selecting the right health questionnaire upfront.

Yes. Once over 75, many insurance providers increase scrutiny. A detailed medical questionnaire may be required, and fewer insurers offer coverage. We’ve had success placing even high-risk clients using niche plans that most families don’t know about. Age is just a number—but paperwork isn’t.

Yes, and in fact, you should. Visa officers want to see proof of coverage valid for 365 days. We help families secure refundable policies that let them apply confidently while reducing financial risk if the visa is denied.