Visitor insurance and Super Visa insurance are two similar products with one important difference: Super Visa insurance must meet the specific requirements of the Canadian government for the Super Visa.
Quick comparison
| Visitor Insurance | Super Visa Insurance | |
|---|---|---|
| Who purchases it? | Any temporary visitor to Canada | Parents/grandparents applying for a Super Visa |
| Minimum amount | Recommended: $100,000 | Mandatory: $100,000 |
| Minimum duration | Based on the stay | Mandatory: 1 year from entry |
| Issued by | Canadian or foreign insurer | Canadian insurer or OSFI-authorized foreign insurer |
| Refund if refused | Varies | Depends on the contract (with IRCC refusal letter) |
| Government requirement | No | Yes, required by IRCC |
Since January 28, 2025, IRCC also accepts policies issued by foreign insurers authorized by OSFI to provide accident and sickness insurance in Canada. In practice, most policies bought abroad do not qualify: the insurer must appear on OSFI’s list and the policy must be issued in the course of its insurance business in Canada.
What is identical
Both products essentially cover the same risks: emergency medical care, hospitalization, ambulance, repatriation. The difference is in the formal conditions, not in the nature of the coverage.
Is standard visitor insurance sufficient for the Super Visa?
No, unless it meets every IRCC requirement: at least $100,000 for health care, hospitalization and repatriation, valid for at least one year from the date of entry, paid in full or in instalments with a deposit, valid for each entry, and issued by an eligible insurer (Canadian, or foreign and OSFI-authorized). If it does, the policy can be used for the Super Visa.
What to choose?
If you are applying for a Super Visa: Choose a policy sold specifically as Super Visa insurance. These products are designed to meet IRCC requirements, and depending on the contract, the premium can be refunded if the visa is refused, with proof.
If you are visiting Canada without a Super Visa: Standard visitor insurance is sufficient. You can choose the duration and amount that match your stay.
Learn more
To find out which product is right for you, call us: (514) 500-7220.