What has changed since the original article?
The Super Visa can permit visits of up to five years per entry rather than the older two-year stay described in historic content. Since January 28, 2025, qualifying foreign-issued insurance may meet the requirements, and as of March 31, 2026 host income proof is assessed under updated rules.
These changes do not remove the insurance requirement. Each applicant still needs at least $100,000 emergency medical coverage valid for one year, including eligible health care, hospitalization and repatriation.
How the premium is calculated
Insurers consider age, coverage, deductible, duration and other underwriting factors. The treatment of pre-existing conditions can materially change the coverage offered.
Use real-time insurer rates rather than relying on an estimated age-table value from an old blog post.
Avoid buying the wrong plan
- Confirm the correct insured name and date of birth
- Choose a coverage start date that matches intended arrival
- Understand any monthly payment deposit and full premium
- Read pre-existing condition definitions and stability rules
- Retain actual policy proof for IRCC and the border