The exact medical-insurance standard
- At least $100,000 Canadian in emergency medical coverage
- Policy valid for at least one year from the date of entry
- Health care, hospitalization and repatriation included
- Issued by an eligible insurer under IRCC criteria
- Paid in full or qualifying instalments with a deposit; not an unpaid quotation
- Evidence available when applying and on every entry
Reference: IRCC Super Visa forms and documents.
Which insurers qualify?
An insurer based in Canada is one eligible category. Since January 28, 2025, insurance issued by certain foreign insurers can also qualify when OSFI authorizes the insurer to provide accident and sickness insurance, it appears on OSFI’s list of federally regulated financial institutions, and the policy is issued under its insurance business in Canada.
Do not assume a familiar international insurance brand qualifies without checking the precise underwriting company and policy documentation.
Insurance certificate vs quote
A quote is a premium estimate, not proof that insurance is in force. The final documents should identify the insurer, insured person, coverage amount, term and payment status. For eligible foreign-issued policies, IRCC sets an additional statement requirement.
Immigration eligibility is separate
Insurance alone does not guarantee a Super Visa. The applicant must also satisfy the applicable host relationship, income, medical examination and admission requirements. The 2026 host income rule changed effective March 31, 2026; verify current IRCC income instructions.